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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

Eight college football games scheduled this weekend have been canceled due to the spread of the coronavirus. Among them, the championship game between unbeaten Coastal Carolina and Top 25 Louisiana-Lafayette was called off.The Sun Belt Conference canceled the contest because of a positive COVID-19 test from a member of Coastal Carolina, which resulted in an entire position group being forced to quarantine in order to follow protocol.“We are very disappointed that the championship game cannot be played, but we are so proud of all of the players and staff members and their hard work during this truly challenging season," said Sun Belt Commissioner Keith Gill. "We will honor both teams as 2020 Sun Belt Conference Co-Champions."Coastal Carolina defeated Louisiana in October by a 30-27 margin.Of the eight college football games canceled this weekend, five include a Top 25 team.The upcoming college football weekend features several big matchups that will determine the four teams that will be invited to the College Football Playoff. As of now, the top seven teams are still slated to play this weekend.Here is a list of the games canceled this weekend:Vanderbilt vs No. 8 GeorgiaPurdue vs No. 11 IndianaNo. 19 Louisiana vs No. 12 Coastal CarolinaMichigan vs No. 16 IowaGeorgia Tech vs No. 18 MiamiArizona vs CaliforniaUL-Monroe vs TulaneSMU vs UTSA 1365

Donald Trump’s official campaign account was briefly blocked from posting on Twitter on Wednesday. Twitter claimed that a post by the campaign was misleading and violated its service terms.While Trump did retweet the post on his personal account, he did not have his access revoked.The campaign resumed access to the account later on Wednesday.Meanwhile, Facebook has deleted a post by President Donald Trump for the first time, saying it violated its policy against spreading misinformation about the coronavirus.The post in question featured a link to a Fox News video in which Trump says children are “virtually immune” to the virus. Facebook said in a statement Wednesday that the video includes false claims that a group of people is immune from COVID-19.It says that is a violation of its policies around harmful COVID-19 misinformation. 851

EL CAJON, Calif. (KGTV) - The owners of the Cottonwood Golf Club in El Cajon have filed an application with the county to convert the property into a sand mine.Details were revealed at the Valle del Oro community planning group meeting earlier this month.The proposal calls for a three-phase mining operation over 10 years.The first phase would take place on the course west of the Steele Canyon bridge, which has already been closed to golfers.Sand is needed as a component of concrete, which has become scarcer during the construction boom of the past decade.The mine would produce a maximum of 570,000 tons a year, creating an estimated 170 heavy truck round trips a day from the site.The property is owned by Beverly Hills real estate agent Michael Schlesinger, who also owns the shuttered golf courses at Stoneridge Country Club and Escondido Country Club.10News reached out to EnviroMine, the consulting company involved in the plan. They said they would comment at a later date.Nearby residents have already created an opposition group called “Stop Cottonwood Sand Mine.”Barry Jantz is one of the organizers who argues a sand mine is not compatible with the neighborhood.“The character of the neighborhood would be impacted,” said Jantz.More specifically, he says they are worried about the noise and traffic from the trucks, as well as pollution, environmental impacts and the potential to decrease property values. They will be holding a meeting at the Rancho San Diego library on Wednesday, November 27 at 6 p.m. 1535

Doc Rivers confirmed he will not be back as the NBA Los Angeles Clippers’ head coach following a stunning loss in the Western Conference semifinals earlier this month.Rivers’ Clippers, bolstered by the addition of Kawhi Leonard this season, was set on a collision course with the Clippers’ in-arena rival Los Angeles Lakers for the Western Conference title. The Denver Nuggets stood in the Clippers’ way of playing the Lakers. The Clippers blew a 3-1 series lead by losing to Denver three consecutive games.The Clippers finished the regular season in second place, behind the Lakers, in the Western Conference standings.River released the following statement:“Thank you Clipper Nation for allowing me to be your coach and for all your support in helping make this a winning franchise. When I took this job, my goals were to make this a winning basketball program, a free agent destination, and bring a championship to this organization.“While I was able to accomplish most of my goals, I won't be able to see them all through. Though it was a disappointing ending to our season, you are right there and I know what this team is capable of accomplishing with your support. Thank you to all the players, coaches, and staff for helping us get here. Most importantly, thank you to the fans. We went through a lot, and I am grateful for my time here.”Rivers is seventh all time in playoff wins with 91 and 11th all time in regular season victories with 941. In his seven seasons with the Clippers, Rivers’ squads made the playoffs six times, but failed to advance to the conference finals.Before coaching in Los Angeles, Rivers coached in Orlando and Boston. Rivers steered the Celtics to an NBA title in 2008. 1713

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