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If Marjory Stoneman Douglas High School were like any other school, you wouldn't think much of the freshly-painted burgundy hallways or the newly-installed 20-foot tall fences around the freshman building.If this were a normal student body, the eyes of the nation wouldn't be trained on their every move, and their summer break stories wouldn't include a tally of rallies, summits, nationwide tours and TV appearances.In any other place, in any other new school year, things would be as they were.But when your school is also the site of one of the deadliest school shootings in American history, nothing is ever really normal.Those fences, covered with "MSD Strong" and "Parkland Strong" banners, surround the shuttered building where a former student opened fire almost exactly six months ago. Those hallways are the same ones students rushed through on Valentine's Day as the gunshots rang out across campus.There are other changes, too.The school's swimming coach is now the athletic director, because the former AD was among those killed that day. There are now two principals at MSD, because the basic demands of running a school are now joined by the demands of managing a community in crisis.It's the little things like this; a change in paint color or a change in command, that reverberate outward like strange ripples, hinting at something bigger under the surface. 1383

IMPERIAL BEACH, Calif. — A suspected drunk driver nearly hit several beach-goers Sunday before his SUV ended up in the ocean.The driver, identified as 50-year-old Jorge Mosti, was driving in the 1600 block of Seacoast Dr. just after 6:30 p.m. local time when witnesses say his SUV left the roadway and went onto the beach, according to San Diego Sheriff's Department.As he continued onto the beach, SDSO said Mosti nearly hit several people as he drove about a mile down the beach. His vehicle came eventually came to a stop when it partially submerged in the ocean.Mosti reportedly then jumped out of the vehicle and started walking toward Tijuana, Mexico. He made it about half a mile before deputies caught up to him. Deputies said Mosti was holding an open beer can as they took him into custody.Imperial Beach Lifeguards also responded to help pull the SUV from the water.Witnesses at the beach identified Mosti in a curbside lineup, SDSO said. He was arrested on charges of reckless driving and driving under the influence of alcohol. 1078

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've always wanted a free chicken sandwich from Popeyes, now is your chance.Now until June 30, place a minimum order through the Popeyes site or mobile app, and you'll receive a free chicken sandwich.To receive the offer, the company says it has to be your first time ordering through the app. 310

IMPERIAL, California (KGTV)-- As businesses in San Diego enjoy modified re-openings, the lockdown continues for our neighbors in Imperial County. Governor Gavin Newsom announced the decision Friday after the number of COVID-19 infections continues to rise.Former San Diegan, Bob Diaz, has called the small city of Imperial, 'home' since 1998. He says he loves desert landscapes, and the relatively quick drive to visit his family in San Diego. Since the quarantine began in March, he has not seen them at all."I wish I could," Diaz said. "There are so many parks, the beach, the downtown, the Embarcadero, places that I love to go. But you know what? It's not worth the gamble."The 66-year-old says because of his age, he is taking the lockdown seriously."I knew that the numbers were looking pretty ugly," Diaz said.Friday, Governor Newsom and state officials mentioned Imperial County's data in a press conference."I noted a positivity rate over a 14-day period in the state of California at 5.3 percent. The positivity rate over a 14-day period in Imperial County is approaching 23 percent," the Governor said.Imperial is one of 15 counties under the state's COVID-19 monitor list. For its 180,000 residents, there are less than 300 hospital beds."What if I need healthcare, and the beds are already full?" Diaz asked.That has become a reality for many. The Governor said that there have already been more than 500 patients who were transferred out to other counties in the last five weeks. Diaz thinks there is a large group of patients unaccounted for in the county's data: people who come into the US from Mexicali."There are over 1 million people across the border, and I know a lot of them come for their healthcare in the US. I was always kind of worried about that," Diaz said.That is why he says he is content with remaining on lockdown."If it has to be another six months, so be it," Diaz said. 1914

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