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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

Driving down a dirt logging road in rural Maine, paramedic Nathan Yerxa can’t help but take in the view most days. Looking out over the landscape here, it’s as if the sky and the land seem to merge.Yerxa is a paramedic for North East Mobile Health Services and stationed in Jackman, Maine, a small town in the northern part of this state home to about 700 people. From the edge of town, you can see the Canadian border in the distance, and on any given day, paramedics here are responsible for covering an area that’s approximately the size of the state of Rhode Island.“The remote landscape and difficult terrain make it difficult to bring resources to the area,” Yerxa said, as he drove through town in a Ford pickup truck that’s been converted to an all-terrain ambulance.Like rural communities across the country, getting patients to an emergency room in this area is a difficult, often time-consuming task. The closest ER is about 70 miles away, a trip that can sometimes take close to two hours. While Jackman does have a community health center, the facility can’t perform many emergency procedures most larger hospitals can.So, in an effort to save time and lives, the emergency room is being brought to Jackman in an innovative new way, harnessing technology and the expertise of paramedics likes Yerxa.“I think it’s one of those situations where what’s old is new again,” he said.The idea is a Critical Access Integrated Paramedic program. Paramedics here are receiving more training in critical care. While at the same time, that pickup truck Yerxa relies on is being outfitted with tools like satellite internet and a satellite phone. First responders even have heart rate monitors that can send data wirelessly to a doctor anywhere.The concept is simple. Using technology, paramedics can instantly connect to a doctor no matter where they take a call. From stitches to ultrasounds, paramedics in this region are bridging the rural healthcare gap by instantly connecting via video chat to a doctor who may be hours away.“It is in many ways like a high-tech home visit that you might have seen 60 years ago, but we’re also bringing urgent care services with us,” Yerxa explained.Finding new ways for rural communities to connect is a key component to the program's success.Nationwide 25 million people don't have access to broadband.The COVID-19 pandemic has only magnified the issue. In Maine alone, 36,000 telehealth calls were made last month up from 650 the same time last year. Many times, though, patients and doctors have trouble connecting because of poor internet connections.Town manager Victoria Forkus pushed hard for the program.“We were in a way forced to implement this new program early because of COVID,” she said while sitting inside Jackman’s town offices.The whole program is costing Jackman and surrounding communities about 0,000 a year to implement. Some of the money will come from a tax increase, which is no small feat in a town where the median income is just ,000.But out here, the program has overwhelming support.“What’s the dollar amount on one of my neighbors’ lives? What’s the cost of saving a community member? It’s priceless,” Forkus added.The concept of the program is gaining attention across the state.Jim Rogers, with Health Connect Networks based in Maine, is lobbying Congress hard to expand rural broadband connectivity. It’s something he says is now more imperative than ever given the pandemic.“People in these rural communities just don’t have adequate internet to support a telehealth consult,” he said.As for Yerxa, he sees the program as something other rural communities across the country can emulate.“Hopefully, we can now provide 24-hour coverage to patients in any of these rural locations.” 3770

Dwayne "The Rock" Johnson announced his new comedy show is officially in production.The actor announced the news on social media Wednesday."Ladies & gents, here's the cast of our new NBC comedy, 'Young Rock," the actor tweeted. 239

Ed King, who co-wrote the Lynyrd Skynyrd hit "Sweet Home Alabama," the tune with the classic riff that became a Southern rock anthem, has died.The retired guitarist died Wednesday at his home in Nashville, according to his Facebook page. The post did not include a cause of death or King's age.King was a member of the Florida band in its early days. He left before a 1977 plane crash in Mississippi that killed three members of the group and later rejoined for a reunion tour, according to the Rock & Roll Hall of Fame.King was one of three writers of "Sweet Home Alabama," which was released on the album "Second Helping" in April 1974, according to Rolling Stone. The rollicking track begins with King counting "1-2-3" before the guitar lick that generations have come to know as a tribute to the state of Alabama."When we were out in the country driving all the time, we would listen to the radio. Neil Young had 'Southern Man,' and it was kind of cutting the South down. And so Ronnie (Van Zant) just said, 'We need to show people how the real Alabama is,' " guitarist and founder member Gary Rossington told Garden & Gun in 2015."It wasn't cutting him down," Rossington said of Young. "It was cutting the song he wrote about the South down. Ronnie painted a picture everyone liked. Because no matter where you're from, sweet home Alabama or sweet home Florida or sweet home Arkansas, you can relate."The iconic song was born in a practice session.Rossington told Garden & Gun?he kept playing a riff over and over while they waited for everyone to arrive for rehearsal."Ronnie and I were sitting there, and he kept saying, 'play that again,' " Rossington said in the 2015 article. "Then Ronnie wrote the lyrics and Ed [King] and I wrote the music."Four days later, the group recorded the hit, according to The Birmingham News."I am mainly known as the one who verbally counted off 'Sweet Home Alabama,' then played the infamous Stratocaster riff as well as the solos in that tune," King said, according to the newspaper."I am the luckiest guitar player that ever lived. Who could've guessed that song would pay the rent for over 30 years?"The band was named after a Jacksonville, Florida, high school gym teacher who was their nemesis. The teacher's name was spelled differently, Rossington told CNN. The group, who liked the Beatles at the time and just wanted to be a band, often got in trouble in gym class because of their long hair, Rossington said.On Thursday, tributes poured in for King.Rossington tweeted: "Ed was our brother, and a great Songwriter and Guitar player. I know he will be reunited with the rest of the boys in Rock & Roll Heaven."Randy Bachman with Bachman-Turner Overdrive said King "wrote the anthem of the south with Sweet Home Alabama and was such a talented guitarist."County music legend Charlie Daniels said King "played so many of the classic guitar parts on their early records.""Rest in peace Ed, you left behind some great riffs Buddy," Daniels wrote.King had been retired since 1996, according to his Facebook page.He once played the opening lick from "Sweet Home Alabama" for CNN's Jake Tapper, then with VH1 News. Tapper's interview with King in Nashville featured in the 2002 documentary "Lynyrd Skynyrd's UnCivil War.""Is there something unusual about the lick?" Tapper asked, during the interview.King stopped playing his red and black guitar and gave a classic answer."I think the tone of the guitar kinda, like, sounds like Alabama." 3538

EL CAJON (CNS) - A driver whose blood-alcohol content was nearly quadruple the legal limit slammed into the back of a pregnant woman's car in Ramona two years ago, killing the woman and her unborn child, a prosecutor told a jury Wednesday.But a defense attorney denied that his client caused the crash, claiming the prosecution's case was based entirely on circumstantial evidence and a shoddy police investigation.Andrew Milonis, 46, is accused in the Mother's Day 2017 crash that killed 29-year-old Jessica Foderingham and her unborn child, a girl who Foderingham and her husband planned to name Ayanna. Milonis is charged with two counts each of second-degree murder, gross vehicular manslaughter while intoxicated, hit-and-run and drunken driving.RELATED: Witness: Driver in El Cajon crash, that killed pregnant mother, was 'very intoxicated'Foderingham was eight months pregnant when her Dodge Dart was hit, sending it careening into a tree in the center median on San Vicente Road about 6:45 p.m. May 14, 2017.Deputy District Attorney Laura Evans said in her opening statement that Milonis had been drinking throughout the day, having at least seven drinks at a local bar before he got behind the wheel of his GMC Yukon.The prosecutor said a bartender recommended that Milonis arrange a Lyft ride to get home, but he ignored the advice. Then while driving, Milonis struck a tree and multiple telephone poles before crashing into Foderingham's car, Evans said.RELATED: Driver accused of killing pregnant woman, taking Lyft to barAfter the crash, Milonis continued driving to a nearby hotel, where employees called a Lyft driver for him, Evans said. When the Lyft driver arrived and asked Milonis where he wanted to go, the defendant allegedly told the driver something to the effect of, "Anywhere I can get a drink," according to Evans.He was driven to a bar on Main Street, where sheriff's deputies located and arrested him shortly after he arrived. When his blood was tested, he had a blood-alcohol content of 0.20, but Evans alleged it was above 0.30 at the time of the crash -- well above the 0.08 legal limit.The prosecutor told jurors the impact of the crash left a partial imprint from Milonis' license plate on the back of Foderingham's car, and there was no evidence of mechanical issues on either car that might have contributed factors to the crash.RELATED: Vigil held for pregnant Ramona crash victimSix months earlier, Milonis has been arrested on suspicion of DUI for allegedly driving drunk and hitting a neighbor's fence before going home, according to Evans, who said he suffered a minor head injury in the crash and had a 0.28 blood alcohol content at the time.Christian Foderingham, a U.S. Marine, testified Wednesday that he and his wife's two young sons from a previous relationship began Mother's Day by making her breakfast and showering her with gifts throughout the day. The couple then left home for Jessica Foderingham's grandmother's house in Ramona, taking two cars -- Jessica in her Dodge Dart and Christian driving the boys in his Hyundai.He was driving ahead of his wife when he heard a loud bang behind him, saw a dark-colored SUV swerve onto a sidewalk and witnessed his wife's car slam into a tree. He testified that after hearing the loud noise, he saw his wife's car flying through the air before it struck the tree head-on and bounced back into lanes of traffic.RELATED: Judge raises bail to M in Ramona fatal hit and run"It felt like my heart stopped," he testified.Foderingham said he ran to his wife's car, smashed the driver's side window open and cut off her seatbelt to remove her from the wreckage. An off- duty firefighter helped Foderingham perform CPR until emergency personnel arrived and took her to Palomar Medical Center in Escondido, where she died, according to the victim's husband.Milonis' attorney, Ward Clay, told jurors the crash was "a tragic accident" but said Milonis was not responsible."No one witnessed exactly how the accident happened," Clay said.The attorney said Christian Foderingham never got a good look at the SUV driver.Foderingham testified that the SUV had tinted windows and there might have been two people inside. He could only confirm that the driver was Caucasian.Clay claimed that at the time of the crash, Milonis was not near the crash scene.The attorney also said the California Highway Patrol "made major mistakes" in their investigation of the case, and that "critical, forensic evidence" had been lost or destroyed, though he did not specify what that evidence was.Clay said he expected the jury to be "angry and want to hold someone responsible. But that person is not in this courtroom." 4692