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If you’re a potential homebuyer eyeing interest rates and real estate listings, you might be scratching your head. Mortgage rates are historically low, which means the cost of borrowing is cheap. However, home prices are up in all areas of the country, according to the most recent data from the National Association of Realtors.Whether you’re a first-time buyer on a budget or you have a large down payment and a high income, nobody wants to lose money on real estate.Unfortunately, there’s no simple answer to the question of whether to buy or not to buy. For one, real estate is local. So, although home values continue to rise in every region, there are unique differences among states, cities and even neighborhoods. But there are some indicators homebuyers can plug into their own personal situation that can help them get a better handle on how well current market conditions line up with their goals.Related: Compare Personalized Mortgage Rates From 6 LendersMortgage Rates Could Start Rising With a Coronavirus VaccineA big wake-up call for mortgage borrowers came Monday when Pfizer announced preliminary results indicating its Covid-19 vaccine candidate is highly effective, causing markets to surge. Following the announcement, 10-year Treasury yields and mortgage rates both shot up.If the U.S. government approves the Pfizer vaccine, mortgage rates likely will start to rise, experts predict. This would exacerbate an already expensive housing market.“If the vaccine is approved, I would expect Treasury bond yields to move above 1% by 2021,” says John Lonski, markets economist at Moody’s Analytics. Ten-year yields are currently below 0.90%. “A vaccine will lead to an upturn in economic activity and business activity. Even if the Fed keeps the federal funds target in the current range, yields will rise, which means mortgage rates will, too.”Lower rates means more buying power; however, the large gains in home values have canceled out monthly savings. In fact, comparing starter home prices in the fourth quarter of 2019 with current starter home prices and their respective mortgage rates, today’s buyers will pay slightly more in monthly payments but could save tens of thousands of dollars in total interest paid.Home Prices Are RisingMedian single-family home prices climbed in all 181 metropolitan statistical areas tracked by the National Association of Realtors (NAR), according to its latest report. The double-digit year-over-year gains were most prominent in the West (13.7%), followed by the Northeast (13.3%), the South (11.4%), and the Midwest (11.1%).Median home prices on existing single-family homes shot up to 3,500, 12% higher from this time last year. This means that home prices are growing four times as fast as median family income.“Favorable mortgage rates will continue to bring fresh buyers to the market,” said Lawrence Yun, chief economist at NAR. “However, the affordability situation will not improve even with low interest rates because housing prices are increasing much too fast.”A colossal 65% of the areas measured (117 areas out of 181) saw double-digit price growth year-over-year.Although there’s strong growth in both urban and suburban areas, the data shows that less densely populated places are still performing better than packed cities in terms of homes sales and values. But some economists warn that with a vaccine on the horizon, the economy will snap back quickly thanks to a strong foundation going into the pandemic and could leave some homeowners with buyer’s remorse.“People are frightened. They’re running out of cities and going to suburbs. This fear-driven demand for housing is dangerous,” says Lonski, the Moody’s economist. “What happens to housing when Covid-19 is behind us? A lot of people will discover that they paid a little too much for homes. Unless you absolutely have to move, you should take a cautious approach to buying a home right now.”Look to New Construction to Help Slow Home Price GainsHousing affordability has been an issue for a few years now as residential construction has lagged behind demand, creating an enormous imbalance in the market. At the beginning of 2020, construction was picking up but Covid pushed a pause button on activity.The good news is that new residential construction is beginning to ramp up again. In September, housing starts were up by 11% year-over-year. According to the recent Dodge Data & Analytics 2021 Construction Outlook, U.S. construction starts are projected to increase by 4% next year, to 1 billion.“Construction has recaptured some of the momentum it lost at the beginning of the year, so that will be good for inventory,” says Danielle Hale, chief economist at Realtor.com.Hale says that inventory is really the only thing that can hit the brakes on rapid price growth, discounting other possibilities like baby boomers downsizing and expanding the pool of inventory as a meaningful solution.“As far as boomers moving and downsizing, we haven’t seen a lot of that,” Hale says. “We expect the biggest help on the inventory side to come from new construction. It’s not going to be completely easy—there will still be affordability challenges. We don’t expect prices to decline; instead price growth will just slow and get in line with wages.”What Homebuyers Should Consider Before BuyingThe five-year rule is the first thing you should consider before buying, which is a general calculation that shows when you’ll break even from closing costs.If you plan on moving within five to seven years, you’ll likely lose money on the sale—unless home prices jump up dramatically, which is not something buyers should count on.For homebuyers who plan on staying in the home long-term, there’s more time to build equity and make up for those hefty closing costs, which can equal about 2% to 5% of the purchase price.“Don’t get carried away by the madness of crowds. In the back of your mind you should be asking yourself: ‘Can I sell this property, if I have to, without losing too much?,’” Lonski says.To determine whether you can truly afford the house, consider taxes, insurance and repairs, in addition to the cost of the mortgage, which will vary based on your credit score, the type of loan you take out and the amount you put down towards the purchase out of pocket.Leslie Tayne, founder and head attorney at Tayne Law Group in New York, advises buyers to keep expenses at 30% of your income.“For example, when an individual has enough savings for a 20% down payment (to avoid private mortgage insurance), the mortgage payment is no more than 28% of their monthly income, and they have a 700+ credit score, buying a house can be a good financial move,” Tayne says. “Buying makes sense, too, when the value of the home decreases or there is an opportunity to purchase a property that is below market value.”Related: Compare Personalized Mortgage Rates From 6 Lenders 6919

In 2015, Matthew Muncy, a father of four girls, was looking for work.“You go into the store and the kids, they’re wanting things, and you can’t give it to them,” he said. "Even so much as a candy bar could mean the difference between feeding them dinner or not."But the right job can be hard to find in Jackson County, Kentucky. The landscape is green with trees that scale up the mountains that shelter small cities like McKee, Kentucky from the hustle and bustle of the big cities.The entire county has one stoplight.“Great community, great people. I love it here,” said Keith Gabbard, CEO of Peoples Rural Telephone Cooperative.In this a population of fewer than 1,000 people, community means everything. It’s why Gabbard worked to bring hope to his neighbors, like Muncy.Gabbard brought fiber optic internet to the small city.“When you say fiber, people say, ‘cereal? What are you talking about?’” Gabbard recalled of what people thought when the idea first hit the area.Fiber optic internet is some of the fastest internet you can find.“Fine glass the size of a human hair that you send a light through,” he explained.In 2014, Gabbard's rural part of the Bluegrass State went from barely having any internet connection to now having some of the fastest internet in the country.“Think of the speed of light and how fast that is, that’s how I like to compare it,” Gabbard said. “Our Internet here is as good as New York City.”More than half of Americans say internet access has been essential during the novel coronavirus pandemic. However, according to 2016 figures, 39 percent of rural Americans lack access to broadband internet.The cost of bringing broadband to the Jackson County area wasn’t cheap. Gabbard says grants and loans covered most of the broadband network’s -million cost.But one of the biggest payoffs of the light-speed connection is opportunity.“We’re talking about people who have been working at a gas station before on minimum wage that are doing tech support for Apple from their home,” Gabbard said.Gabbard says the network has helped bring hundreds of jobs to the area.Muncy now works doing customer support for a major tech company.“If it wasn’t for the internet, I couldn’t do my job period,” he said.For him, the connection is to more than just the internet; it’s to a new life. 2320

If success at the box office equated into Academy Award success, you would expect "Star Wars," "Wonder Woman" and "Beauty and the Beast" to do well during Sunday's Oscars. While these movies, which represented the top three movies for domestic gross at the box office in 2017, were nominated for a combined six Academy Awards, a number of movies that didn't do so well at the Box Office received more nominations. As a matter of fact, if you combined the domestic box office totals of the nine films nominated for Best Picture, the total would still be lower than "Star Wars, The Last Jedi.""The Shape of Water" came in at No. 50 at the box office in 2017 according to Box Office Mojo. "The Shape of Water" led all movies in 2017 with 13 Academy Award nominations. "The Shape of Water" grossed million and is up for top awards such as Best Picture, Best Director (Guillermo del Toro) and Best Actress (Sally Hawkins)."Dunkirk" was second behind "The Shape of Water" for Academy Award nominations with eight, including nods for Best Picture, Best Director (Christopher Nolan) and Best Score. "Dunkirk" topped all nine films nominated for Best Picture, grossing 8 million in the US, ranking No. 14. "Three Billboards Outside Ebbing, Missouri" is up for seven nominations on Sunday. The film, which is also up for Best Picture, grossed just 2,168 in its opening weekend, according to Box Office Mojo. "Three Billboards Outside Ebbing, Missouri" has since made some cash, grossing million, which made it No. 55 domestically in 2017. "Phantom Thread," which has six nominations including Best Picture, had an even more humble box office journey. It grossed 6,495 in its opening weekend, before taking in million overall. The film did not crack the top 100 domestically. "Darkest Hour" also had six nominations and is up for Best Picture, and only grossed 5,000 its opening weekend. It has since grossed million in the United States. Among movies that topped the Box Office, "Star Wars, The Last Jedi" received four Academy Award nominations. The picture was the top grossing domestic film in 2017, making 8 million. The second-best grossing film of 2017 in the United States, "Beauty and the Beast," was nominated twice. The only other film with a nomination among those in the Top 10 at the box office was "Guardian of the Galaxy." "Guardian of the Galaxy," which was the fourth-highest domestic grossing film, received a nomination for Best Visual Effects.  2548

Hurricane Laura is expected to create an “unsurvivable storm surge,” of up to 15 feet in some places, according to the National Hurricane Center.Here is an explanation of what storm surge is, and why it can be so deadly.“Storm surge is the rise in seawater level caused solely by a storm,” says NOAA. It is measured as the height of the water above the “normal predicted astronomical tide,” caused by the storm’s winds pushing water onshore.A “storm tide” is the total observed water level during a storm that includes storm surge and astronomical tide. Astronomical tides are caused by the gravitational pull of the sun and moon.According to NOAA, the National Oceanic and Atmospheric Administration, the highest storm tides are often observed during storms that coincide with a new or full moon. 805

I-8, from SR-79 (Japatul Valley Rd.) to E. Willows all lanes closed due to snow and ice.#SDCaltransAlert #Imperialvalley— Caltrans San Diego (@SDCaltrans) February 22, 2019 186

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