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Lumber stocks are at a historic high. We haven't seen these numbers since the 2008 housing boom and then crash. Experts say that's in part because of the housing market and record low mortgage rates.2020, the unprecedented year where nothing goes as expected, has brought us what realtors call a "sellers' market"."There’s plenty of buyers in the marketplace, but not enough supply so what we are seeing is multiple offers happening frequently on mid-price homes. So heavy competition in the marketplace.” Dr. Lawrence Yun, chief economist for the National Association of Realtors, said.The country's largest trade organization has 1.4 million members who help people buy and sell homes. Dr. Yun says the nation's housing market has even surpassed pre-pandemic sales. He attributes a lot of that to low mortgage rates and people realizing that working from home means they need more room.“Because of the strong demand for housing and we have a shortage of homes in the marketplace, so whatever home builders build, they can find a buyer so they build more homes. But one of the constraints is lack of construction workers along with the material cost that goes into construction, such as lumber,” says Dr. Yun, who also pointed out the country's underproduction.“Home builders have been producing below historical average for 10 straight years and the cumulative effect of underproduction is we don’t have sufficient inventory and that is the reason why home prices are rising and we need to build more homes to get into balance,” added Dr. Yun.Which is why, Laura Gonzalez, associate professor of Finance at California State University Long Beach, says we're experiencing a supply and demand situation when it comes to wood.“We just don’t have enough wood,” Gonzalez said. “It's difficult to make it ready and then transport it because of the pandemic. It's not that the industry is changing its just that we have had a shift both in supply and demand.”Gonzalez also says it's the basic equation of high demand meaning lower supply, which sends prices up and stocks soaring. Then there's the factor of where our wood comes from. She says, “We import some of our lumber from Canada both from lumber and other products. If we depend on other nations, we are more susceptible to changes in supply.”So, what comes next?“The issue of supply versus demand is going to correct in two years, but the opportunities for climate finance are ongoing that is not going to finish,” Gonzalez said.Which is why Dr. Yun says home prices will hold firm, and if you're waiting for a ‘burst’ or for prices to decrease, you might be waiting a while.“In future years, mortgage rate will certainly rise and that will choke off some of the demand, but hopefully we have adequate supply so we have a more balanced market condition where prices rise in manageable, 3-4% each year and people will feel comfortable at that rate of price appreciation,” says Dr. Yun.Dr. Yun recommends if you want or need to buy, don't overstretch your budget as the competition is fierce out there. If you want to sell, don't get greedy and overprice because your home will get stuck on the market. It's yet another aspect to this odd year that has brough the unexpected to us all. 3245

MENLO PARK, Calif. – Facebook is offering to pay some of its users to deactivate their accounts in the weeks leading up to the 2020 election.It’s part of a new research partnership Facebook is launching to better understand the impact its website and Instagram have on key political attitudes and behaviors during U.S. elections.“We need to better understand whether social media makes us more polarized as a society, or if it largely reflects the divisions that already exist; if it helps people to become better informed about politics, or less; or if it affects people’s attitudes towards government and democracy, including whether and how they vote,” said Facebook when it announced the study Thursday.Facebook expects between 200,000 and 400,000 adults will choose to participate in the study. In a press release, the company said participating “could include taking part in surveys or agreeing to see a different product experience.”The company also said, “other participants may be asked to stop using Facebook or Instagram for a period of time. A subset of participants may be asked to install an app on their devices – with their permission – that will log other digital media that they consume.”The press release did not mention compensating participants, but screenshots tweeted out by Washington Post reporter Elizabeth Dwoskin show Instagram users being asked how much they’d need to be paid in exchange for deactivating their account in late September, for either one week or six weeks.Facebook spokesperson Liz Bourgeois responded to Dwoskin’s tweet, saying that anyone who chooses to opt in, whether it’s completing surveys or deactivating Facebook or Instagram for a period of time, will be compensated.“This is fairly standard for this type of academic research,” Bourgeois wrote.Anyone who chooses to opt in – whether it’s completing surveys or deactivating FB or IG for a period of time – will be compensated. This is fairly standard for this type of academic research. More here: https://t.co/uw4B8XhsYY— Liz Bourgeois (@Liz_Shepherd) September 3, 2020 While participants and Facebook employees will be compensated, the company says it will not be paying its external research partners, a team of independent academics, two of which serve as chairs of Social Science One committees. They’re said to be experts in the fields of elections, democracy and social media.Facebook says researchers will select and invite representative, scientific samples of people in the U.S. to participate in the study.“Some potential participants will see a notice in Facebook or Instagram inviting them to take part in the study,” wrote Facebook. “Study samples will be designed to ensure that participants mirror the diversity of the US adult population, as well as users of Facebook and Instagram.”Facebook said last week that the study will start soon and end in December, but it doesn’t expect to publish any findings until mid-2021 at the earliest and it doesn't expect the research to affect the outcome of the election. 3038

Miller Lite is giving away free beer as part of a campaign that’s bidding farewell to work holiday parties.These parties are being canceled because of the COVID-19 pandemic and many say they won’t miss them. In fact, a survey conducted by ENGINE INSIGHTS found that over 50% of full-time office employees say they aren’t sad to see these parties go, and 70% would choose time off from work over a holiday party.These canceled parties will leave workers with more time on their hands, so Miller Lite says it’s giving away 6-packs to help fill it with more “Miller Time.”If you’d like to claim your 6-pack of Miller Lite, you can sign up for a rebate here. You’ll be asked to provide your birthdate to enter the website and a phone number for the rebate to be texted to.Once you’ve been texted the rebate, you can purchase a 6-pack of Miller Lite and scan your receipt to receive money back through PayPal or Venmo.In some states, you can receive a full rebate, but in others, you’ll get a 50% rebate or it may be prohibited by law in your state. Click here for the full terms and conditions.In addition to the free beer, Miller Lite also teamed up with artist Alex Prager to memorialize cringy moments from holiday parties with sculptural figures. They’ll be featured in an an art installation on display outdoors at the Los Angeles County Museum of Art (LACMA) and in a virtual experience at LACMA.org.The outdoor installation, sponsored by Miller Lite, will be open and free to the public at LACMA starting Saturday, November 21 and will run through January 3, 2021. It will be held on the museum’s Smidt Welcome Plaza, following strict distancing and safety protocols.“With many companies nixing the traditional holiday party, we’re focused on the silver lining – more time with a few real friends, which is what Miller Time is all about,” said Courtney Carter Dugan, director of activation for Miller Lite. “Not having to make awkward small talk or being forced to take photobooth pictures with coworkers is a holiday gift in and of itself.” 2052

MANDEVILLE, Louisiana — If you've been putting off tidying up the house, let this serve as an incentive.Harold and Tina Ehrenberg, a couple from Mandeville, Louisiana, were cleaning up for Thanksgiving guests when they found a lottery ticket they'd purchased months earlier. It turned out to be worth .8 million."We have family coming into town for Thanksgiving, so I was cleaning up the house and found a few Lottery tickets on my nightstand that we hadn't checked," Tina Ehrenberg said in a statement released by the Louisiana Lottery.It's a good thing the couple found the ticket when they did. The drawing was June 6. Theirs was the only winning ticket.Had they waited two more weeks, they'd have gotten zip; the window to claim the prize — 180 days — would have closed.The pair said they couldn't believe their good fortune."I called the winning numbers hotline over and over," Tina Ehrenberg said.Added Harold Ehrenberg: "We kept checking the numbers again and again!"After taxes, the couple took home .2 million, which they plan to put toward retirement."We don't have any plans to buy anything crazy or go on any big trips," Tina Ehrenberg said."The most fun," her husband added, "is going to be depositing that check." 1239

Loved ones held a fundraiser today for the family of a mother killed by a hit-and-run driver. The CHP says Bernadette Castillo was struck last week along the 94 in Jamul. Her family and friends held a barbeque to raise funds for her funeral at Colina Del Sol Park on Friday.July 27th was a day that Debra Marulli will never forget. "Shock. Pain. A little bit of comfort because I know she’s not hurting," said Marulli. "Somebody loves her. To leave her on the side of the road like she’s an old pet, it's cruel." Loved ones held on to positive memories today while raising money for her funeral. "She was amazing," said Marulli. "She went out of her way to help anybody. She didn’t hold a grudge against people."The CHP has not identified a suspect. For now, everyone who knows her is just waiting for that to happen."We want closure I know her family wants closure, her son needs closure," said Marulli. "Come talk to somebody. Please"If the driver is found and arrested, CHP says they will face felony manslaughter and hit and run charges.  1110

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