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Police involved shooting at 25th District with hits to Chicago Police officer & offender. Officer en route to Advocate Illinois Masonic Medical Center. Reports of another officer who sustained injuries and en route to Loyola Hospital. Media staging at Masonic.— Chicago Police Communications & News Affairs (@CPD_Media) July 30, 2020 349

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

Please, Please help @SFPD investigators find the suspect(s) in this case.If you have any information please contact the #SFPD anonymous tip line (415)575-4444.Thank You.@shamannwalton @abc7newsbayarea @nbcbayarea @KTVU @KRON4Desk— Capt.Troy Dangerfield (@1YCEU) July 5, 2020 282

Police are investigating an alleged sexual misconduct incident at Las Brisas Academy in Goodyear, Arizona.The allegations were first reported to the principal Wednesday night, by the parent of the victim, who found text message conversations between 27-year-old Brittany Zamora and her 13-year-old male student.The conversation indicated there were sexual activities happening between the two, on and and off campus. According to police records, the teen's parents were alerted to the explicit messages by a parental app.After initially reporting the relationship to the Las Brisas principal, the 13-year-old's father also contacted Buckeye police.In a report made to police, the victim's father said he received a phone call from Zamora and her husband, who were allegedly "pleading with him not to contact the police." During the call, Zamora's husband reportedly asked to "meet up" and "settle this." 921

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

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