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Hurricane Delta once again became a major hurricane on Thursday, with top winds of 120 mph as of 10 p.m. CT. The hurricane has regained much of the fury it lost crossing the Yucatan Peninsula on Wednesday.In an update Thursday morning, the NHC said that Delta is expected to "grow in size" throughout the day on Thursday before bringing dangerous conditions to the Gulf Coast early Friday morning.Storm surge and hurricane warnings are already in effect for parts of the Gulf Coast, particularly along the Louisiana shoreline.Louisiana cities likely to see damaging winds from the hurricane include Alexandria, Lafayette, New Iberia, and Morgan City, according to the National Hurricane Center. On Thursday afternoon, the National Hurricane Center said Hurricane Hunters found that Delta had a 30-mile wide eye. Government hurricane forecasters say they expect Delta to continue strengthening until early Friday morning, but then begin to weaken as strong shear is expected to affect the hurricane. Louisiana has taken the brunt of the impact of the 2020 hurricane season. Hurricanes Marco and Laura have already made landfall in the state, causing inland flooding and significant damage along the coast. Hurricane Sally also did significant damage nearby Gulf Shores, Alabama, when it made landfall in September.The Associated Press reports that Delta marks the sixth time this year that evacuations have been ordered from Louisiana's barrier islands.Delta luckily spared two Mexican resort towns, Cancún and Playa del Carmen, from deaths or major damage after the storm made landfall on the Yucatan Peninsula, CNN reports. 1632

In another sign of the times for retail, Lowe's is closing 51 North American stores.The home improvement chain said Monday that locations are underperforming and the decision will help the hardware chain focus on its most profitable stores and "improve the overall health of its store portfolio."Lowe's (LOW) is shutting down 20 stores in the U.S. and 31 in Canada. The company said that a "majority" of the shuttered stores are within 10 miles of another Lowe's location.The stores will be closed before Feb. 1, 2019. The company will try to find jobs at nearby stores for its employees affected by the closings."We believe our people are the foundation of our business and essential to our future growth," said CEO Marvin R. Ellison.Lowe's is struggling to keep up with its larger rival Home Depot. Ellison, who joined the company in May, has already made some big strategic decisions, including closing all of its Orchard Supply Hardware stores and slashing inventory at its Lowe's stores.The company cut its sales and profit outlook for the year. Its next earnings report is on November 20. 1102

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

IMPERIAL BEACH, Calif. (KGTV) - Parents in Imperial Beach say the conditions are Reama Park could be dangerous to their children, as playground equipment is starting to show signs of deterioration."It's not normal wear and tear," says Casandra Stoll, who brings her daughter to the park almost every day. "I'd say it's something that needs to be addressed for sure."Stoll says her daughter tore her pants on a crack that developed in one of the slides. She also pointed out parts of the playground where rust and cracked plastic have created jagged edges."If she were to get cut on that, you have to worry about tetanus and any other kind of infection you can get," says Stoll.Other areas of the park have patches in the padded ground that are missing. Even the plastic coverings on park benches and tables have been worn away to expose the rusted metal.Rust on the playground equipment has also created holes in the pipes. Some of them are big enough for a child's finger to get stuck in.Parents says they understand that the playground won't always be in pristine condition. They're willing to accept some rust from the sea-air and normal wear and tear on the equipment. But they say the damage at Reama Park is too much.Sam Townsley brings his daughter Samantha to the park often. He wants her to be able to run free and have fun but says he's keeping an eye out for damage and danger."She's got a sense of autonomy," he says. "As long as there's no overt risk, it's alright."Parents say they hope the city can make repairs quickly."I just hope they can maintain it and keep it up and keep it safe for all the kids to enjoy for years to come," says Stoll.The City of Imperial Beach responded to 10News Tuesday, saying they’re waiting for money to come from the state parks bond, and expect to receive 0,000 for repairs within the next fiscal year.Officials also said they’re aware of the problems, and that Reama Park is in the worst condition of any Imperial Beach park. 1985

In a memo sent to state governors, the federal government says that states should be prepared to begin distribution of COVID-19 vaccines to the public this fall.The memo signed by CDC head Robert Redfield told governors that the federal government has contracted with the McKesson Corporation to assist in distributing the vaccine to local and state health departments, medical facilities, doctor officers, and other vaccine providers.In the letter, Redfield requested governors to waive any regulatory barriers that would prevent McKesson from operating distribution facilities. Redfield said the goal is to have these facilities operational by November 1.According to McKesson, the company provides “next-day deliveries” to pharmacies and has a nationwide network of distribution centers.While there is urgency for both public health and economic reasons for a vaccine, some experts have expressed concern over the speed of a vaccine and whether the expedited timeline is long enough to demonstrate efficacy. Dr. Anthony Fauci told NBC News on Wednesday that he believes a “safe and effective” vaccine could be ready by the end of the year."I believe that by the time we get to the end of this calendar year, that we will feel comfortable that we do have a safe and effective vaccine," he told NBC News.On Monday, a third vaccine candidate entered “Phase 3” trials in the US. AstraZeneca is testing its COVID-19 vaccine candidate for 30,000 participants. The AstraZeneca vaccine would come in two separate doses, according to the National Institutes of Health.Even though a vaccine could be ready by year’s end, trials will be expected to continue for over a year to monitor for possible side effects.According to the FDA, a typical Phase 3 trial would take one to three years.“NIH is committed to supporting several Phase 3 vaccine trials to increase the odds that one or more will be effective in preventing COVID-19 and put us on the road to recovery from this devastating pandemic,” said NIH Director Francis S. Collins, M.D., Ph.D. “We also know that preventing this disease could require multiple vaccines and we’re investing in those that we believe have the greatest potential for success.” 2208

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