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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 not getting a push alert every time someone opens your front door, you're living in the past.Smart-home technology company August just announced new versions of its connected locks and doorbell camera.The company's newest locks have a sensor that can tell when a door is open or closed and send you alerts on your phone. Similar features are already available with smart home kits like SmartThings. 416

In a city where a bowl of noodles doesn't usually cost more than , a shop in Taipei has been charging 5, or TWD10,000, for its beef noodle soup -- and diners are happily paying for it.Beef noodle shop Niu Ba Ba, founded in 1990 in Taiwan, serves just eight types of beef noodles -- ranging from the classic Beef Father Beef Noodle Soup () to the most expensive -- the Presidential Beef Noodle Soup (5). 421

Hurricane Willa has made landfall near Isla Del Bosque, Sinaloa, on the western coast of Mexico, approximately 50 miles south of Mazatlán.The storm will quickly weaken over the next 24 hours as it makes its way across the Sierra Madre range and becomes a rainmaker for northern Mexico and Texas on Wednesday.When Willa made landfall Tuesday evening, it had top winds of 120 MPH. The Category 3 storm, while still a major hurricane, has weakened since peaking as a Category 5 hurricane on Monday. Willa has been a danger for forecasters as well. An aircraft with the Air Force Reserve's Hurricane Hunters was forced to turn around Monday over concerns for its onboard equipment after a lightning bolt from one of Willa's outer rain bands blasted it, according to the National Hurricane Center.In a tweet Monday, Mexican President Enrique Pe?a Nieto said he has asked the National System of Civil Protection to take all steps necessary to protect those in the hurricane's path as well as those affected by Tropical Storm Vicente, a weaker system tracking south of Willa that's also primed to make landfall Tuesday. Vicente likely will be a tropical depression by the time it comes ashore, the hurricane center said.Airlines have started moving out of Willa's path. Southwest Airlines has canceled all flights at the international airport in Puerto Vallarta, a resort city in Jalisco state. American Airlines has canceled its flights in Mazatlán, about 275 miles to the north.Willa's landfall comes three years to the day after the strongest hurricane to hit the Pacific coast, Patricia, a Category 5 storm, made landfall in Jalisco.The back-to-back systems of Willa and Vicente have helped make the 2018 hurricane season in the northeast Pacific one for the record books.The season is now the most active hurricane season on record using a measurement called accumulated cyclone energy, which combines the number of storms and their intensity through their lifetimes to give an overall measurement of tropical activity in a given region. 2048

In 2016, President Obama used the Affordable Care Act to extend federal sex discrimination protections to people who identify as transgender.But after a recent move by the Trump administration, some of those protections are now gone.“What happened with the recent Trump administration ruling is that they basically said they were taking out that definition of sex discrimination and stated that it only applied to a person’s birth sex and couldn’t be applied to their gender identity and that they were no longer going to enforce any protections on the basis of gender identity," said Dr. Eliabeth Kvach. “I think there’s something to be said, to think about what it’s like to be a person where the government says you don’t deserve to get accessible health care,” said Andrew MillerKvach and Miller both work at Denver Health in Colorado. Both call the recent rule change in DC a direct threat to the lives of transgender men and women.“We have for example, 300 patients on our list to be able to receive vaginoplasty or gender confirming surgery for transgender women. And if you’re waiting years to get that surgery and then all of a sudden you’re worried about whether your insurance is going to cover it, that is enormously psychologically devastating to people,” said Kvach.“I think that we’re already seeing that with cases coming out of hospitals denying care to transgender and non-binary folks," said Miller.“I certainly think that it is dangerous to the lives of transgender and non-binary people,” said Kvach.Denver Health is a LGBTQ+ Center of Excellence. For the health system it means any patient regardless of sexual orientation, gender identity, or other LGBTQ identification can receive treatment from any doctor for any health need“LGBTQ health care isn’t specialty care, it’s just health care,” said Miller.And while Miller is an employee at Denver Health, this is an extra important issue for him personally.“I identify as a transgender man, and as I said before, my pronouns are he, him, his. I was born female, and at a certain point in my life, I recognized that being a woman didn’t fit for me, it was like I was living this false life,” said MillerFor him, and many trans people, being called the wrong name or the wrong pronoun isn’t just a simple mistake“When we say hey, my name is Andrew, that’s what I go by, but you call me my birth name, what I hear is, 'It doesn’t matter that I told you my name.' You get to be more of an expert on me than I get to be on me. Why should I feel safe that you’re going to actually take care of me, if you can’t even call me my name?” Miller said.For trans people around the country, this rule change might mean they could be denied hormone therapy or gender reassignment surgery. Procedures the transgender and health care providers who treat them, deem medically necessary.“Medical treatment with hormones and with surgery help a person’s body align with who they are, with their gender identity,” Kvach said.But it also means they have to be worried about being denied treatment for anything from a sore throat to life saving surgery.“I’m from the south, I think about it all the time. What it would be like to go back home and have a medical emergency and not be able to get care. To be a person denied health care, and it’s terrifying,” said Miller.And that increased anxiety can lead to bad health outcomes from avoiding preventative treatment to suicide.A survey from the Trevor Project released this month shows that more than half of kids who identify as transgender and nonbinary have seriously considered suicide in the last 12 months.While this rule change may be disheartening to many, institutions like Denver Health reaffirm their commitment to treating transgender people, like people“I want folks to be able to go to the doctor and feel safe. I want my community to survive,” Miller said. 3878

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