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If you're a pet owner, you know your furry friend can be expensive, especially when it comes to their medical bills. Last year, Americans spent billion at the vet. That's why more owners are now opting for pet insurance. But, is it worth it?"When you are presented with a ,000 bill for emergency surgery, you might only have to pay a couple hundred dollars," says Dr. Jessica Weeks, with BluePearl Veterinary Partner.   Routine care for a dog can be on average 7, and for cats, it’s around 2, according to the American Pet Product Association.  "Most people aren't prepared financially for those things that happen unexpectedly," says Dr. Weeks.Last year, there were 1.83 million pets insured, and experts say that number is climbing.   There are a few caveats with pet insurance, Dr. Weeks says. A majority of the plans do not cover shots and checkups. They only cover the big medical expenses, like treatments and surgery. Additionally, many plans will make you pay the bill in full and then they'll reimburse you after.   "There are similarities as far as pre-existing conditions,” says Dr. Weeks. “If your pet already has an illness and you try to get insurance, a lot of times insurance won't cover that."  That's why vets recommend you do your research. Dr. Weeks recommends owners with young pets get insurance.  As far as the best pet insurance goes, Consumer Watchdog’s top three picks include: Healthy Paws, Pet Plan and Embrace Pet Insurance.   "To be honest, when I have owners come in who have pet insurance, it's a huge relief on my part,” says Dr. Weeks. “So, I can offer standards of care of medicine and do the best that we can for those patients."  1756

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 in an industry hit hard by the pandemic, you may be considering making a career change.However, it can be hard to know where to begin and you may not feel like you're qualified.LinkedIn has a new tool called "career explorer" that could help you figure out the best career to transition into.You put in the job that you have or had most recently and it shows you in demand jobs that are a strong match for those same skills.“When it comes to retail positions, soft skills, there's a lot of soft skills that are acquired being in retail and we know from hiring managers that soft skills are highly in demand right now, especially in a COVID world,” said Blair Heitmann, a LinkedIn career expert. “Those are skills like communication, thought leadership, management and we know that those are just as important to those hard skills.”You want to make sure you're listing those skills. LinkedIn found people who have five or more skills on their profile are discovered by recruiters 27 times more.“You could have been on a team of servers that was a part of the restaurant that was the fastest growing restaurant in the area,” said Heitmann. “That demonstrates the quality of the service, so you want to make sure that you really word about the impact that you had on the role.”If you were a food server, the career experts at LinkedIn say you have three quarters of the skills you need to be a customer service specialist, which is one of the most in demand jobs. The similar skills include customer service and time management. 1543

Immigration and Customs Enforcement officers arrested 115 San Diego and Imperial County, California residents in a three-day sting targeting federal immigration law violators, officials said Friday.Among the group were 50 convicted criminals and seven people who re-entered the United States after being deported. All but seven of the arrests took place in San Diego County, according to ICE.Those arrested include a Center Street Locos Gang member in Oceanside who had been deported four previous times. He had multiple criminal convictions including grand theft, controlled substance for sale, and driving under the influence.A Kazakhstan citizen wanted by authorities in that country on charges of tax evasion and embezzlement was taken into custody in Oceanside. Interpol had issued a ‘Red Notice’ arrest warrant for him in November.Another high-profile arrest included a Mexican citizen who had served a federal prison term in 2009 after being convicted of illegal re-entry after deportation.  Officials said he had three criminal convictions for spousal abuse and had previously been removed from the U.S. to Mexico on ten prior occasions.  RELATED: ICE arrests 150 in Northern California, blasts Oakland mayor over warningAn immigrant who illegally reenters the United States after having been previously removed faces a felony prison term of up to 20 years, according to ICE. Four of the people arrested in the sting will face federal criminal prosecution for illegal re-entry after deportation. Those who are not facing federal charges may be immediately removed from the United States.“This week’s operation targeted public safety threats, such as convicted criminal aliens, individuals with final orders of removal, those who illegally re-entered the country after being removed, and individuals who have otherwise violated our nation’s immigration law,” said Greg Archambeault, field office director for ICE Enforcement and Removal Operations in San Diego. The three-day sting comes after a report in the Los Angeles Times indicating more immigrants with no criminal history were arrested by San Diego's Immigration and Customs Enforcement from October to December 2017 than anywhere else in the country. ICE officers arrested 1,622 people without criminal records, and 637 people with criminal records in San Diego during the first fiscal quarter of 2018, according to the LA Times.RELATED: San Diego murder suspect was undocument immigrant, sources sayICE said there are public safety targets who have not yet been arrested, including a Mexican citizen convicted of statutory rape and sex with a minor in 2012 and a known gang associate convicted of domestic violence in 2010. Both men had been previously removed from the U.S.In a news release, ICE officials cited California state laws that affect the way the agency operates. 2875

If you are way into politics, you are not the average American. Not even close.A new poll from the University of Pennsylvania's Annenberg Public Policy Center reveals how shockingly little people know about even the most basic elements of our government and the Constitution that formed it.Take your pick from this bouillabaisse:* More than one in three people (37%) could not name a single right protected by the First Amendment. THE FIRST AMENDMENT.* Only one in four (26%) can name all three branches of the government. (In 2011, 38% could name all three branches.)* One in three (33%) can't name any branch of government. None. Not even one.* A majority (53%) believe the Constitution affords undocumented immigrants no rights. However, everyone in the US is entitled to due process of law and the right to make their case before the courts, at the least.(And the First Amendment protects the rights to free speech, free exercise of religion, freedom of the press and the rights of people to peaceably assemble, in case you were wondering.)"Protecting the rights guaranteed by the Constitution presupposes that we know what they are," said Annenberg Director Kathleen Hall Jamieson. "The fact that many don't is worrisome."The Annenberg poll is far from the first to reveal not only our collective ignorance about the basic tenets of democracy but also the fact that we are even less informed than we were in the past.Take this Pew Research Center poll from 2010. When asked to name the chief justice of the Supreme Court, less than three in 10 (28%) correctly answered John Roberts. That compares unfavorably to the 43% who rightly named William Rehnquist as the chief justice in a Pew poll back in 1986.What did the 72% of people who didn't name Roberts as the chief justice in 2010 say instead, you ask? A majority (53%) said they didn't know. Eight percent guessed Thurgood Marshall, who was never a chief justice of the Court and, perhaps more importantly, had been dead for 17 years when the poll was taken. Another 4% named Harry Reid, who is not now nor ever was a Supreme Court Justice.What we don't know about the government -- executive, legislative and judicial branches -- is appalling. It's funny -- until you realize that lots and lots of people whose lives are directly affected by what the federal government does and doesn't do have absolutely no idea about even the most basic principles of how this all works.It leads to huge amounts of discontent from the public when they realize that no politician can make good on the various and sundry promises they make on the campaign trail. 2654

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