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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

If you’re looking to save money on a vacation, you could spend hours researching and budgeting every minute of it — or you could simply try traveling like a minimalist instead.Minimalists generally live with fewer possessions, freeing up time, money and other resources to focus on things and experiences they value more. The lifestyle also saves them money on consumption when they travel.You, too, can adopt minimalist travel habits and potentially hang on to hundreds — or thousands — of dollars. Consider these travel tips for your next vacation. 573

I’m at a loss. No words. I’ve been part of two big families with Grant Imahara over the last 22 years. Grant was a truly brilliant engineer, artist and performer, but also just such a generous, easygoing, and gentle PERSON. Working with Grant was so much fun. I’ll miss my friend.— Adam Savage (@donttrythis) July 14, 2020 330

In a Facebook Live interview Thursday with company founder and CEO Mark Zuckerberg, Dr. Anthony Fauci reiterated that America is making costly mistakes in fighting the novel coronavirus.Fauci, the White House's top expert on infectious diseases, blamed some states — without naming them specifically — for "skipping steps" and reopening too quickly."You've got to do it correctly. You can't jump over steps, which is very perilous when you think about rebound," Fauci said. "The proof in the pudding is: Look what's happened. There really is no reason why we're having 40-, 50-, 60,000 (new cases per day) other than the fact that we're not doing something correctly."Fauci urged Americans not to look at social distancing restrictions in opposition to a return to economic normalcy, but as a means to rebounding."We should be looking at public health issues as a gateway to getting the economy back," Fauci said.Zuckerberg agreed with Fauci — and even took a dig at the Trump administration."It's really disappointing that we still don't have adequate testing, that the credibility of our top scientists like yourself and the CDC are being undermined and until recently parts of the administration were calling into question whether people should even follow basic best practices like wearing a mask.," Zuckerberg said.Fauci's hour-long conversation with Zuckerberg comes days after the White House's top trade expert Peter Navarro published an op-ed in USA Today in an attempt to discredit Fauci. President Donald Trump later said that Navarro "shouldn't be doing that," and USA Today has said the piece did not meet the paper's fact-checking standards.On Wednesday, in an interview with The Atlantic, Fauci called the episode "bizarre," and urged other White House staffers to end political infighting regarding the pandemic.Once a staple on television — both news interviews and in the White House's daily coronavirus task force briefings — Fauci has been notably absent from the airwaves in recent weeks. When asked by The Atlantic if the administration was curtailing his TV appearances, Fauci said he couldn't comment, but added that "I think you know what the answer to that is."Trump maintains that he and Fauci have a "very good relationship." 2261

If the fans want it, Heinz is ready to roll out a brand new product, "Mayochup," a mixture of their classic tomato ketchup and their new mayonnaise.Heinz posted a poll on their Twitter page where fans will have three days to vote for or against the potential product. If Mayochup gets 500,000 yes votes, it will be available in stores. 343

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