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Economic uncertainty may be roiling the country right now, but that’s not stopping home sales. In some areas, like the suburbs of New York City, bidding wars are back. In July, one house in Orange, N.J. had 97 showings and 24 offers, according to the New York Times.That same month, .3 billion worth of residential real estate sold in the suburbs of Washington, D.C., according to the Washington Post, compared to .2 billion the year before—demonstrating just how much demand there is in some parts of the country. That demand has caused median home prices to spike. Prices in September are 13% higher than they were the same time last year, the largest increase since 2013, according to real estate listing firm Redfin.“We are seeing really interesting trends emerge from COVID that are causing demand to change to an all-time high at the same time that the supply of availability is at an all-time low,” says David J. Wilk, assistant professor of finance and director of the Real Estate Program at Temple University’s Fox School of Business.That means a lot of homes, especially those close to big cities, are suddenly worth a lot more. For homeowners, it’s an envious position: Their equity has bloomed. But what should they do with it? Here are three options.1. Sell Your HomePrices are high, so it’s time to sell, right? As with everything in real estate, it depends.Selling might be the right move for older homeowners who are looking to downsize to a smaller house, a condo or 55+ living. It also may be ideal for homeowners interested in moving to a lower-priced housing market—if the timing is right, and you absolutely know where you want to go.Dottie Herman, CEO of Douglas Elliman, a Manhattan brokerage firm, says it’s also not a bad time to cash out of the ‘burbs to make a city move if you’ve wanted to do so—especially to Manhattan, where sales were sluggish this spring and summer. “If you really love New York City and you believe as I do that it will come back, it’s a great time to buy in the city,” she says, adding that it might be another three to four years before prices rebound.Beware: Your New House Also May Cost MoreIf you want to stay in the same area, a jump in your home’s price most likely means the house you want has made the same leap.You can still consider trading up, especially if your lifestyle has changed because of the pandemic, and you anticipate it staying somewhat altered when we’re on the other side of it. That may mean more people in the house more of the time—and the need for the space to match. “If you can work from home and you don’t have to commute every day, then that drastically changes your decision matrix,” Wilk says.Falling Interest Rates Can Make a Move Make SensePlus, with interest rates for 30-year mortgages at record lows, getting a bigger mortgage now might make sense in the long term. Just make sure you can still afford the payments and aren’t necessarily banking on that home also becoming a big pay out down the road because the housing market is cyclical and eventually will fall down again.“Rushing to sell your house or buy a house because of the short term isn’t a prudent move,” says Danny McAuliffe, CFP, wealth advisor and head of planning at Perigon Wealth Management. “Making decisions based on what you can afford and make sense for you and your family, that is going to be a better situation for the long term.”If you’re thinking of making that high- to low-cost market move, Herman warns that you should at least live in the place first by renting to see if you really like it. This is especially true for seniors who dream of ditching colder climates for warmer places.Not only does it make sense to get a feel for the area in which you want to live that you can’t achieve while on vacation, but you also will learn if you have the temperament to be away from family for so long. Otherwise, you’ll cash out now and have to buy back in—and who knows what the market will be like then.2. Have Your Home Appraised to Ditch Mortgage InsurancePrivate mortgage insurance (PMI) is usually tacked onto your monthly mortgage payment if you put down less than 20% on the property when you purchased it. PMI is there to protect lenders in case you walk away. But if your home is suddenly worth more, you may hold enough equity to request to have PMI cancelled.To do this, you need to show lenders the home has increased in value, which means paying for a home appraisal. Those typically cost between 0 and 0. Meanwhile, PMI typically costs between 0.05% and 1% of the loan amount annually, which means the appraisal will pay for itself.If you’re staying put, you should also reassess your insurance to make sure it matches what your home is now worth, says McAuliffe. That’s because a policy based on a lower price may not cover the current value of the home, should the worst happen and you need to rebuild.“Specifically you want to make sure that the dwelling coverage in your homeowners policy is sufficient to rebuild your home if something catastrophic were to happen,” he says, adding that these policies typically exclude earthquake and flood insurance.3. Take Equity OutWith interest rates so low, taking some equity out is another option. You can use that money to make renovations to your current home—which may be tax deductible, says McAuliffe—or pay off high interest credit card debt—as long as you don’t then rack up debt on them again.You can take equity out in several ways, including through a home equity line of credit (HELOC) or a cash-out refinance, where you pull the equity out in, well, cash. Homeowners at least 62 years old also can take out a reverse mortgage, which lets them borrow from their home’s equity.Herman says money drawn from equity could be used to buy another property, either as a second home, or to rent out. But only think about becoming a landlord if you have tolerance for it and can cover the mortgage in the case the property is empty between tenants, or tenants stop paying.Just make sure that you aren’t taking all of the equity out. People who got in trouble in 2007 and 2008 “pulled all of their equity out,” Herman says. “When prices dropped, they were stuck because they had used all the equity up in their home for something else.” So don’t press your luck and strip your house of all its old and new equity, or else you may wind up with a house worth less than what you owe on it. 6432

Dr. Anthony Fauci, director of the National Institute of Allergy and Infectious Diseases, said on Tuesday that he will celebrate his 80th birthday virtually through a Zoom call.Fauci turns 80 on Thursday, and has been working long hours as the federal government’s leading infectious disease expert amid the coronavirus pandemic. In an interview with CNN’s Wolf Blitzer, Fauci said he normally spends his birthday with his daughters.With the coronavirus pandemic still spreading through the US, Fauci will only be spending the milestone in person with his wife.Fauci’s birthday comes one day before Christmas. He is following the type of advice he has been giving to Americans amid the holidays. The US is averaging more than 2,500 coronavirus-related deaths and is still battling a surge spurred by Thanksgiving gatherings.“I am going to practice what I am preaching to my fellow Americans in this country,” Fauci told Blitzer. “I am going to do something that is quite modified from what I had done traditionally. I am going to have a quiet dinner in my home with my wife. I would love to have my three daughters who are on different parts of the country, different states that would have to fly in for the most part. We are going to do a Zoom together. We are going to be talking to each other and toasting each other.”Fauci cautioned that people should avoid traveling during the holidays.“This type of travel is risky,” Fauci said. “Particularly if people start congregating, when they get to their destination in larger crowds in indoor settings, I'm afraid that if in fact we see this happen, we will have a surge that's superimposed upon the difficult situation we are already. And so it could be a very difficult January coming up. If these things happen.”In the District of Columbia, Thursday has been proclaimed “Dr. Anthony S. Fauci Day” by mayor Muriel Bowser.“We are incredibly proud to count Dr. Fauci among the many DC residents who are sacrificing so much to keep our communities healthy and safe,” Bowser said. 2036

DOWNEY, Calif. (AP) — A man suspected of gunning down a liquor store owner near Los Angeles leaned out a car window during a chase and blasted away with a handgun before being dragged wounded from the car Friday.There was no word on his condition as he was taken away in an ambulance.He is believed to be the gunman who walked into a Downey liquor store on Tuesday night and shot down Gurpreet Singh, 44, of Cerritos, Sgt. Mark Haxton said.Police have said nothing was taken from the store and there was no immediate word on a motive for the attack.On Friday afternoon, police and Los Angeles County sheriff's deputies began chasing a black Toyota Prius in Downey, southeast of Los Angeles.The high-speed chase stretched along a freeway and surface streets, during which video showed a passenger in a black T-shirt lean halfway out of the front passenger's window and fire two-handed at pursuing patrol cars.Video showed the man using a distinctive long-barreled revolver strikingly similar to one that was used in the store killing.The chase ended at about 3 p.m. in neighboring Vernon when traffic trapped the car and the passenger again fired. A car behind the Prius managed to back away, and police who pulled up in the next lane riddled the Prius with gunfire, shattering windows.A short time later, a bloodied woman driver got out and surrendered. There was no immediate word on her condition.The street near a railroad track was emptied, and sheriff's SWAT teams were called in. Two armored vehicles blocked in the Prius.During a standoff that lasted more than an hour, authorities rolled a robot up to the open driver's door to peer inside the car and later fired two flash-bang grenades into the vehicle.When the man inside didn't get out, a police dog was sent in to pull at him. Only then did SWAT members drag the motionless man from the car.He was strapped to a gurney and taken away by ambulance. There was no word on his condition. 1954

EL CAJON (CNS) - A resident at an East County independent-living facility was ordered Thursday to stand trial on a murder charge for allegedly killing a fellow resident by beating him in the face and head with a frying pan following an early morning argument.Brad Masaru Payton, 26, faces 26 years to life in state prison if convicted of the murder charge and an allegation of personally using a deadly weapon in the killing of Matthew McCarthy.Police said the violence at the transitional group home in the 1200 block of Naranca Avenue in El Cajon was reported shortly before 5 a.m. last Dec. 20. Patrol officers arrived to find a badly beaten McCarthy in a bedroom at the residence, said El Cajon Police Lt. Walt Miller.RELATED: Police called from home 78 times leading up to murder with frying panMedics took the victim to a hospital, where he was pronounced dead. Payton was arrested without incident.According to Miller, the victim and the defendant knew each other and lived in separate rooms. Witnesses said the two were arguing for unknown reasons just before Payton allegedly attacked McCarthy with a blunt object, which turned out to be a frying pan, Miller said.Payton, who is being held in lieu of million bail, is due back in court Oct. 17 for a Superior Court arraignment.More coverage:911 calls detail life at El Cajon independent living facility where man was attackedEl Cajon mayor says state laws are to blame for problems with independent living facilitiesEl Cajon home where man was beaten to death with pan set on fire 1550

Dr. Anthony Fauci, director of the National Institute of Allergy and Infectious Diseases, received his initial dose of a coronavirus vaccine Tuesday morning. Fauci was among a group of federal government health officials and health care workers who were vaccinated. He was joined by Health and Human Services Secretary Alex Azar, National Institutes of Health Director Francis Collins, and front-line workers from the NIH. Watch the public vaccinations below:Before his was inoculated, Fauci was asked why he decided to get the COVID-19 vaccine. He gave two reasons – because he sees patients and because he wants to encourage Americans to do the same so the nation emerge from the pandemic. "For me it’s important for two reasons, one is that I’m an attending physician here on the staff at the National Institutes of Health Clinical Center, and so I do see patients, but as important or more important, it’s as a symbol for the rest of the country that I feel extreme confidence in the safety and efficacy of this vaccine and I want everyone who has the opportunity to get vaccinated, so we can have a veil of protection over this country that would end this pandemic," said Fauci.Azar was asked the same question and said he wants the American people to know that he has absolute confidence in the integrity of the vaccine production process. “As secretary, it’s on my authority that these vaccines are authorized, and I want the American people to know that I have absolute and complete confidence in the integrity and the independence of the processes used by the FDA to approve these vaccines,” said Azar. “I am just so grateful to NIH and Moderna, and all the participants of Operation Warp Speed for bringing us to this point where now we can see the light at the end of the tunnel from this dark period.The men and women received the vaccine recently approved by Moderna, which began being administered to Americans on Monday after it received an emergency use authorization from the FDA late Friday. A clinical trial of the Moderna vaccine indicated it is 94% effective against the coronavirus. Those who are administered Pfizer's vaccine are asked to return 21 days later for a booster.The vaccine was one of two authorized by the FDA for emergency use. Earlier this month, Pfizer’s coronavirus vaccine received an emergency use authorization from the FDA. The vaccine will be the first of two shots. Those vaccinated with Moderna's coronavirus vaccine will be asked to get a booster 28 days later.Fauci has expressed optimism that getting the US to herd immunity through a coronavirus vaccine will begin allowing Americans to return to normal. Getting enough people vaccinated to allow for a return to normalcy, however, might not happen until well into 2021, Fauci has cautioned."Just over the past few days, science has allowed us to have a vaccine that when we distribute it to people throughout the country, and hopefully throughout the world, we will crush this outbreak that has really terrorized us for the last 11 months, not only here in the United States, but worldwide,” Fauci said at an event last Friday at Duke University. “It's damaged severely the economy and led to people suffering things, not necessarily directly related to being ill themselves, but all the secondary consequences that go with the effects of a global pandemic such as this." 3381

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