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COVID-19 will continue to impact the housing market heading into 2021.If you're looking to buy, experts say the first few months of the year are the time to do it.A housing forecast out Wednesday from Realtor.com finds mortgage rates will stay low, but only for the first half of the year.“We expect mortgage rates to increase near 3.4% by the end of the year, which would in any other year be record lows, but following on the heels of 2020, 3.4% is up a bit, but still historically low broadly speaking,” said Danielle Hale, Chief Economist at Realtor.com.Home prices have gone up by double digit percentages over the last couple of months. Some of that is expected to slow down as mortgage rates go up.Realtor.com is forecasting just below a 6% increase in home prices for all of 2021, but affordability is going to be a growing concern.“The housing market has been historically challenging for first-time homebuyers, with prices rising as dramatically as they have in the second part of 2020, first-time homebuyers are seeing a bigger gap between what they need to bring to the market for a down payment and what existing homeowners have in the way of home equity to use to trade up,” said Hale.If you already own a home, you may be thinking about selling when you see what it's worth now.Sellers are expected to continue to have the upper hand throughout 2021, with more buyers than homes for sale.You may see more competition with home construction ramping up, leading to more options available.“For existing homeowners, in particular who want to stay up in their home, the fact that we have still low mortgage rates in 2021 creates opportunities for them to consider remodeling to make their home a more suitable place for them to age in place,” said Hale.Another trend that's expected to continue in 2021 is interest in the suburbs. People have been moving out of cities as they're working remotely. Hale says the rising home prices and higher interest rates in 2021 could drive this trend as well. 2014

CINCINNATI – Through dogged reporting that exposes important truths and holds the powerful accountable, winners of the Scripps Howard Awards demonstrate how journalism can change the world.Today, the Scripps Howard Foundation announced the winners of its 65th Annual Awards in 15 categories. The Foundation will present more than 0,000 in prize money to the winning organizations and journalists at a live show in Cincinnati on Thursday, April 19, in partnership with The E.W. Scripps Company, the Foundation’s corporate parent. The event will be streamed live on Facebook and YouTube.“The power of journalism is evident in the impact that these winning entries have had on their communities and society as a whole,” said Liz Carter, president and CEO of the Scripps Howard Foundation. “We are honored to present these awards to the winners, and salute the work of all organizations who participated in the competition.”The 2017 Scripps Howard Award Winners:Breaking News: San Francisco Chronicle for “Wine Country Fires” – Coverage of the worst wildfire disaster in state history in October 2017.Judges’ comments: “The newsroom delivered rapid enterprise on questions surrounding the lack of advance warning provided to the public and more. The Chronicle’s effort is a textbook example of how to provide critical information on a fast-moving story.”Finalists: Houston Chronicle – “Hurricane Harvey: Houston’s Reckoning”; The Press Democrat – “Northern California Wildfires”Broadcast, Local Coverage – Jack R. Howard Award: Brendan Keefe of WXIA 11Alive Atlanta for “The Drug Whisperer” – An investigation into the ordeal of innocent people wrongly arrested for driving under the influence of marijuana.Judges’ comments: “This kind of one-man-band reporting is often a budget-cutting technique, but Keefe shows us multimedia journalists can produce the highest quality investigative reporting. … It is also obvious that his brand of reporting is not quick-turn, short-form stunt reporting but a serious examination of an important issue that could impact anyone behind the wheel.”Finalists: WCPO – “Policing Their Own”; WFAA – “Criminal Caretakers”Broadcast, National, International Coverage – Jack R. Howard Award: Debora Patta, Sarah Carter and Meshack Dube of CBS News for “Ambush in Niger” – Coverage of the deaths of four U.S. soldiers in the west African country.Judges’ comments: “CBS deserves praise, encouragement and thanks for meeting the jaw-dropping logistical and safety challenges that come with reporting from an active war zone. This was one of several examples the judges saw of CBS’ outstanding conflict zone coverage. CBS also breaks with the tradition of male war coverage journalists with the outstanding work in this winning entry by Debora Patta.”Finalists: CNN – “Passports in the Shadows”; “Frontline PBS” – “Last Days of Solitary”Business/Financial Reporting – William Brewster Styles Award: Brian Grow, John Shiffman and the Reuters team for “The Body Trade” – An investigation into commerce of human remains.Judges’ comments: “The reporters exposed a system of selling human body parts for medical research that will surprise readers and, in some cases, horrify them. People who donate their bodies for the benefit of others, a final act of generosity, deserve better than the treatment the reporters exposed.”Finalists: Milwaukee Journal Sentinel – “Mexico Blackouts”; The Post and Courier – “Stickin’ With the Pig: A Tale of Loyalty and Loss”Community Journalism – in partnership with Google News Lab: Bristol Herald Courier for “Addicted at Birth” – An extensive look at how the opioid crisis has impacted babies.Judges’ comments: “The newspaper, with a circulation of 16,500, investigated the problem from all angles, outlined solutions and educated the community. The impact is wide-ranging for taxpayers, hospitals, families and schools. The Bristol Herald Courier not only reported what’s happening but foreshadowed what the community could face in the future.”Finalists: Capital News Service – “Home Sick”; The Frontier – “Shadow Land: How Rape Stays Hidden in Oklahoma”Environmental Reporting – Edward J. Meeman Award: Kale Williams of The Oregonian/OregonLive for “The Loneliest Polar Bear” – A view of the real life of Nora the polar bear, an internet sensation.  4324

Customers at Starbucks will have new ways to pay for their drinks and food while still earning stars in their rewards program.The changes to the Starbucks Rewards loyalty program begin Tuesday, September 15.Customers have complained for years about the need to reload their Starbucks card in order to spend money at the coffee giant and earn loyalty stars. In order for customers to earn stars in their loyalty program, customers had to use a Starbucks card or gift card to pay. This forced regular customers to constantly reload their card to ensure there was enough money for their purchases.Starting Tuesday, alternative ways to pay will be allowed and still allow members to earn stars for purchases. Alternative methods include debit/credit cards, cash, and select mobile wallets.However, there’s a catch.Customers paying with their Starbucks card or gift card will earn two loyalty stars per spent, and those paying with alternative methods will earn one star per spent. 990

Community Health Centers that serve hundreds of thousands of San Diegans are now dealing with millions of dollars in federal cuts.So far, they've instituted a hiring freeze and put expansion plans on hold. But if Congress doesn't act soon, those cuts could force the centers to reduce hours starting in January. "We pray that it won't," said Giselle Brown, who goes to the La Maestra Community Health Center in City Heights for basic medical care. "People would be left out, they wouldn't be getting the proper help or care that they need."La Maestra is part of the Health Center Partners of Southern California network, consisting of 17 low-cost clinics in San Diego, Imperial and Riverside Counties.The Federal Government subsidizes centers like it around the country with about billion a year. But about 70 percent of that is expiring, and the first funds disappeared Sept. 30. Congress has not renewed it.However, the House is scheduled to vote Friday on a bipartisan bill that would extend the funds for two years. Vernita Todd, a V.P. for the health center system of Southern California, says she's concerned the bill may not get out of the Senate - and the January deadline of reducing services is only getting closer. Brown says she hopes the funding is restored, not just for her, but for her community.    1376

Cindy McCain, the widow of Arizona Sen. John McCain, has endorsed Joe Biden, the Biden campaign announced on Tuesday."My husband John lived by a code: country first. We are Republicans, yes, but Americans foremost. There's only one candidate in this race who stands up for our values as a nation, and that is Joe Biden," Cindy McCain tweeted Tuesday evening.Biden was on the 2008 Democratic ticket that opposed John McCain's presidential election.Biden told supporters during a fundraiser Tuesday that McCain would join him at several virtual campaign events on Tuesday.During the Democratic National Convention in August, a video aired highlighting the friendship between McCain and Biden as Senate colleagues.The video featured Cindy McCain.“My husband and Vice President Biden enjoyed a 30+ year friendship dating back to before their years serving together in the Senate, so I was honored to accept the invitation from the Biden campaign to participate in a video celebrating their relationship,” Cindy McCain tweeted.The Biden-McCain relationship has been well documented over the years.In 2017, following Sen. McCain’s brain cancer diagnosis, Biden appeared on ABC’s “The View,” which is co-hosted by the senator’s daughter Meghan McCain. The segment was emotional, as Biden discussed how he lost his son Beau in 2015 from the same type of cancer that ultimately killed Sen. McCain.McCain died in August 2018 from brain cancer.While McCain was once the standard bearer for the Republican Party, his influence in the party dwindled in his later years. In 2017, shortly after his cancer diagnosis, McCain joined just two other GOP senators in striking down legislation that would have repealed parts of the Affordable Care Act. McCain’s vote drew scorn from Republican leaders including President Donald Trump.The frosty relationship between Trump and McCain became evident following McCain’s death, when he opted in his will not to invite Trump to his funeral, but extended invitations to former Presidents Bill Clinton, George W. Bush and Barack Obama. 2066

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