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Plan to buy your first home in 2021? It’ll probably take months instead of weeks, and you might feel demoralized at times.That’s not negative thinking. It’s an acknowledgment that the road to homeownership has potholes. The journey can be bumpy, but the destination is worth it. When you know at the outset that you’re in for emotional highs and lows, it’s easier to shrug off those lows and keep on truckin’.Here’s why 2021 will be a rough year for first-time home buyers — and how to manage your emotions during the process.Why buying a home in 2021 will be toughThere aren’t enough homes for sale to meet demand. At the end of October, the most recent month with available data, 1.42 million existing homes were available for resale. At that month’s sales pace, it would take just 2.5 months to sell every home on the market — an all-time low, according to the National Association of Realtors. The supply of new homes for sale was enough for 3.3 months, tied with the previous month for a record low.Supply is low because buyers are pouncing whenever homes become available. Most existing homes sold in October — 7 in 10 — were on the market less than a month, according to the NAR.With a slender stock of homes selling fast, buyers have little power. “The control is in the seller’s hands because of supply and demand,” says Terri Robinson, a Realtor with Re/Max Select Properties in Ashburn, Virginia.Set realistic expectationsExpect months to elapse between the first step of checking your credit reports to the final step of closing on the home. “The first thing that I hope people understand is it’s not an overnight process,” says Marc J. Jenkins, a real estate agent with Prime Property Partners in Atlanta.Jenkins tells first-timer clients that it typically takes five to eight months to buy a home. Understanding that homebuying timeline “prepares them mentally, emotionally and financially to see this process through.” Would-be buyers are prone to burnout if they expect the process to take a month, he says.Everyone wants a bargain, but buyers need to recalibrate the meaning of that word so it applies to today’s competitive environment. “A bargain, if I were to redefine that, is the home that you want for the price that you’re willing to pay,” Robinson says.Know where you’ll compromiseMore than three-quarters of home buyers in their 20s and 30s made compromises, according to NAR’s 2020 Home Buyers and Sellers Generational Trends Report. The most common compromises had to do with the condition or price of the home.So before you start seriously looking at homes, decide what you need and what you won’t budge on. You may have a maximum price and commute time, a minimum size or other requirements. Those are your deal breakers. Write them down. Resist the temptation to compromise on deal breakers, even when you feel discouraged. For all else, keep an open mind.Make decisions fastIn today’s market, many homes are on the market for less than a month, so it’s important to make an offer quickly once you find one you like. Let your list of deal breakers be your guide. If a home meets your criteria, including an acceptable price, it may be worth making an offer. Again, quickly, because many sellers field multiple offers within a day or two of listing the home and planting a “for sale” sign in the yard.“Even as a first-time home buyer, they may have to make a quick decision whether or not to buy a home,” Robinson says. To have the offer taken seriously, have a preapproval letter from a lender and make a competitive offer, she adds.Don’t take rejection personallyWhen first-time buyers make offers, “they’re going to get rejected many times,” says Laura Moreno, host of the “First Time Home Buyer Podcast” and founder of a tech startup called HomeFlow that offers an all-in-one homebuying platform.As rejected offers pile up, they take it personally or feel worthless, Moreno says. “What I tell them is just breathe. It’s not a judgment against you.”You might get lucky and have your first offer accepted. But don’t count on it. Realize that for the seller, this is a business decision.Wait before you celebrateYour offer was accepted? Great! Just remember that the home inspection and lender’s appraisal are coming next, and either of them can knock the deal awry. The more excited you get about the seller giving your offer a thumbs-up, the more disappointed you’ll be if you have to give the deal a thumbs-down after the inspection or appraisal.Think about the seller’s needsYou’re focused on your own needs and problems. That’s understandable, but there’s a benefit to thinking about the seller’s needs, too.Jenkins advises making the offer attractive to the seller. That might mean keeping the inspection period short: maybe just three to five days, so the seller can put the home back on the market promptly if you’re dissatisfied with the inspection and decide to move on.Having a preapproval letter from a reputable mortgage lender, paying all of your own closing costs and paying some or all of your agent’s commission are other ways to meet the seller’s needs.Have a backup plan: Don’t buy yetAs fervently as you want to buy a house in 2021, your best option might be to wait until fortune favors you. By putting homebuying on hold for a few months, you give yourself time to save for a bigger down payment and build your credit, and for your local housing market to become less competitive.More From NerdWalletHow first-home shoppers can keep a cool head in a hot market4 market headwinds facing first-time home buyersThe credit score needed to buy a houseHolden Lewis writes for NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL. 5691

OXFORD, Ohio — It came in a screenshot of a group chat: One white student called a group of black students the n-word.Some students organized a movement to rally for more inclusive change. A Snapchat message of that rally was posted with the caption "Who let the zoo out?" -- followed by monkey emojis, often a symbolic slur used against black people.Nationally, college enrollment among black people has skyrocketed, according to Pew Research Center: In 2012, they made up 14 percent of 18- to 24-year-olds enrolled in college.But at Miami University of Ohio, black students make up less than 5 percent of the undergraduate and graduate population.A group of students say Miami must do better. After the two recent displays of bigotry, they want to see action from the top, not just words."Racist people are going be racist," said Davaughn Golden, a member of Miami's Black Student Action Association.The organization is calling on other Miami students to step up to racism when they see it."It's about holding your friends accountable, because if you like to say it's not an individual issue, we have to prove that -- by when an individual is racist, the community has to respond," Golden said.University President Greg Crawford met with the students this week. And he sent a tweet, saying, in part, that he can't tackle the issue alone."We all must play an active role in creating the kind of community where everyone feels welcome," he wrote.Claire Wagner, university spokeswoman, said sometimes it takes an extra step: Asking a friend if they realize what they really said, and how it can affect others.De'Vante Montgomery, president of the Southwest Ohio Black Democrats, said many of his peers want to see more action. They're asking for pre-orientation diversity training and reforming recruitment practices, among other changes."We want to see something done that Miami is moving in that right direction," Montgomery said.Wagner is optimistic Miami is helping to grow the next generation of leaders, "in a variety of ways.""I do want them to continue to be leaders because I hope they would agree the university is not the offending entity here," she said. 2178

Parked on the corner of a Kenmore, Washington brewery is a bright orange food truck. It’s called The Vet Chef and inside is a former Marine with a passion for food.“The restaurant is a lot like the military,” said Chef Kyle Gourlie.“You have to do things at a certain time, follow the orders of the head chef,” said fellow veteran, Paul Welling, who worked at The Vet Chef for several years.Marine Corps Veteran Kyle Gourlie is used to following orders. “I did one tour to Ramadi, Iraq. I was a machine gunner on the top of a Humvee," he recalled. His orders look a little different these days, and he’s grateful for the new adventure. This food truck is the beginning of a new chapter, born from a love Gourlie’s had his entire life.“Aw man, I love food,” said Gourlie. “I could work a 14-hour day, wake up in the morning and start cooking food at my own house. It makes me happy. It’s my art, it’s everything to me.”The happiness he’s found now came after a long period of struggle and recovery.When Gourlie was deployed, an explosion almost killed him.“I peered over the top of my Humvee, and it was an IED. It blew me sideways. I broke my back in five places, my neck in three, and had a brain injury, but thankfully, I walked away with no scars,” recounted Gourlie.He spent two years healing, and even when he was physically ready to move on, Gourlie realized the transition to civilian life couldn’t happen overnight.“I’ve had morning routine to evening routine, every single day, planned out for me, order after order and that’s been my life. Now, I’m expected to do all this, and I don’t even know how to fill out a check, which was me, I had no concept of how to fill out a check. It’s scary," he said.It was his family who encouraged him to follow his passion into the kitchen and open The Vet Chef.“I was blessed I had a family and a wife because without them I would be lost.”But he didn’t want to stop there. Gourlie is making sure he’s hiring other vets to pay his good fortune forward.“A food truck, veteran-owned and operated that wanted to create this opportunity for other vets, and I’m like, ‘I could really get behind that’,” said Navy veteran Paul Welling.Even if their military careers made them friendly rivals, the bond Gourlie and his team share as service members is irreplaceable.“It’s been really nice to see people who have been on our truck build back into society, and I’m building with them, and it’s been wonderful,” said Gourlie.But working in this food truck is so much more than a job. Gourlie makes sure to pass on all of his culinary skills, so each of the veterans who come through here is prepared for a career for years to come.“We don’t always have that job that transitions in the civilian world, so you learn a lot of skills in the military, you can use those, but it doesn’t really give you a job path,” said Welling. “I think it’s great he wants to utilize those skills to maybe work on the food truck and maybe open up their own food truck and become masters of their own destiny.”And it’s not just professional skills these vets are learning. “Not every day is gonna be perfect,” said Welling. “One day, your generator’s going to go out in the middle of service, and I think that’s a good mantra for life: nothing is going to be perfect, but you try to help people and there’s always tomorrow.”Gourlie hopes tomorrow holds a future where this orange truck is a familiar sight across the country.“If we can ever get food trucks into vets’ hands and help them run their business, I think it’s gonna be wildly successful and get people back into society a whole lot better,” said Gourlie.It’s a mission this veteran will work tirelessly to accomplish because this comfort food feeds so much more than hunger.“They deserve every success they possibly could have because they’ve sacrificed so much,” said Gourlie. “It makes me feel blessed and honored to be a part of that.”If you'd like to learn more about The Vet Chef, click HERE. 3984

PHOENIX, Ariz. (KGTV) - A San Diego woman is demanding answers from Phoenix police after her uncle was shot to death by officers outside his apartment.This week, ABC10 News spoke to 18-year-old San Diegan Sadie Whitaker about her family's outrage surrounding the death of her 40-year-old uncle, Ryan Whitaker, who was shot by Phoenix police in May. It was captured on police body camera video that was just released.“I feel like this needs to be heard everywhere. It needs to be national news. It was just wrong,” said Sadie.Police said a concerned neighbor called in to report that Whitaker and his girlfriend may have been having a physical fight inside their Phoenix apartment.In the police body camera video, officers are heard knocking on the door and identifying themselves. Whitaker opens the door and appears to step out with a gun in his right hand which he then appears puts behind his back and lowers to the ground with his left hand visibly in the air. The encounter quickly escalates and shots are heard being fired.Police said the second officer in the video shot Whitaker, believing the first officer was in immediate danger. Whitaker did not fire, they report.Sadie tells ABC10 News that a few days before that, someone had knocked on their door but took off. “This night, when the same thing happened, he brought his gun to the door for protection,” Sadie added.She said his gun was legally purchased and he had no criminal history.After shots were fired, Whitaker's girlfriend appears to become hysterical. She’s heard asking why officers shot him. An officer is heard telling her that Whitaker had just pulled a gun on them. She responds that it’s dark and someone just knocked on the door.An officer is heard saying, “Your neighbor called saying he heard you guys going at it.” She responds, “Literally, we were making salsa and playing Crash Bandicoot so there may have been some screaming from PlayStation but it wasn't domestic violence or anything.”“I do not think [the shooting] was justified whatsoever,” said Sadie.Whitaker's family is calling for the officers to be terminated and face criminal prosecution.“I want there to be awareness and I want people to know that this kind of stuff is going on,” Sadie says.Phoenix Police told ABC10 News that they can’t comment because of pending litigation. The officer who fired rounds is now reportedly assigned to a non-enforcement position. 2420

PINE VALLEY, Calif. (KGTV) - A suspected human smuggler was sentenced to 30 months in prison for barreling through a Border Patrol checkpoint, narrowly missing vehicles and severely injuring a border agent.Jorge Garcia-Osornio, 28, of Michoacán, Mexico, was charged with transporting certain aliens and aiding and abetting from the Nov. 14, 2017 incident.Border officials said Garcia was illegally in the U.S. when he approached a Pine Valley border checkpoint with two illegal immigrants hidden in the floor of his vehicle. As he neared the line of cars waiting, Garcia made an illegal U-turn and began driving in the opposite direction on the freeway, officials said.RELATED: Border Patrol tests body cameras in East San Diego CountyAgents began to pursue Garcia before he made another U-turn and headed back toward the checkpoint at speeds reaching 100 miles per hour.As he reached the checkpoint, officials said Garcia narrowly missed two vehicles and a border agent, and blasted through a metal sign, sending debris in all directions.“In committing his criminal act, Garcia not only placed the lives of those he smuggled in grave danger, but seriously injured a Border Patrol agent in the process,” Chief Patrol Agent Rodney S. Scott.RELATED: Border Patrol agent arrested in North San Diego County on drug, weapons chargesThat debris severely injured a nearby agent, who likened the blow to being "hit with a baseball bat." The agent was taken to a nearby hospital for treatment and has yet to return to duty.Garcia continued on for another three and a half miles at high speeds before exited a freeway and crashing into a hillside. One of the undocumented immigrants hiding in the vehicle told agents he "feared for his life."Garcia was arrested nearby after ditching his crashed vehicle. As part of his plea deal, he admitted to charges of driving the wrong way, using a dangerous weapon, and seriously injuring a border agent, among other charges.RELATED: Mother arrested by border agents in viral video released, reunited with familyThe man was expecting to earn between ,400 to ,000 for transporting each undocumented immigrant.“This defendant had no regard for the safety of his passengers, other drivers on the freeway or agents at the checkpoint,” U.S. Attorney Adam Braverman said in a release. “It’s a miracle no one died in this incident. Smugglers operate in a world where immigrants are just dollar signs, not people. 2527