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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

In an old traditional historic church building sits a seemingly nontraditional religion."We don’t pretend that we’ve invented something new; we just gave it a title and a safe place for people to use cannabis in their spiritual journeys to come here, and worship, and pray,” said co-founder Steve Berke. “We don’t tell them who to pray to. It’s really an open-minded spiritual community."Their religion is Elevationism. Berke says it's about elevating one's self to the best version of self."While we do believe that cannabis can help you on your way to your spiritual journey, it’s also okay if you don’t use cannabis," said Berke.He says they have people all over the world come to their church. People of all political views, races, and even other religious beliefs have joined their congregation."Elevationism is not a replacement to your existing faith. It’s more of a supplement to it. You can be a Christian and an Elevationist. You can be Jewish and an Elevationist. You can be a Buddhist and an Elevationist," said Berke.Before COVID-19, like any other church, they would hold a Sunday service in their sanctuary with speakers, music, and lessons to take away. But unlike a traditional church, the consumption of cannabis was allowed."We certainly encourage people to try cannabis, and if it doesn’t work for you, that’s OK. You don’t have to use cannabis. We don’t tell you when to use it. We don’t tell you how much to use it," said Berke.Since the pandemic, they’ve had to stop the Sunday service but have continued with their daily BEYOND, a guided meditation paired with a light show. It’s family-friendly, no consumption allowed, and open to the public."Everybody takes something different from the meditation and that’s the goal. The goal is some people will take one quote of that mediation and apply it to their lives," said Berke.And just like any other church, Berke says they give back to their community."We’ve led by example. We’ve volunteered picking up trash in the neighborhood, volunteering at animal shelters, feeding the homeless. We do all of the things that a normal church does without preaching a dogma inside our church," said Berke.For now, they have one location in Denver but plan to expand to Los Angeles next year. They're also working on more guided meditations."We’ll have BEYOND Happiness, BEYOND love, BEYOND doubt, so all these different themes encouraging people to think and question existing establishment thought and really encourage their spiritual paths and journeys," explained Berke.Berke says the one golden rule of their ministry is similar to other traditional religions: treat others the way you want to be treated."We’re all one human race. We may have different beliefs. We may believe in different gods, but that’s okay, right? Because we’re all spiritual and we all ultimately want this world to be a better place for the next generations," said Berke. 2920

Hurricane Irma may be gone, but days of darkness and devastation are just beginning in Florida.Residents could go for days without power after the storm uprooted homes, trees and power lines, leaving 4.4 million customers without electricity statewide in simmering temperatures, officials said."Temperatures will be around 90 for many, especially central and southern Florida for the next several days," CNN meteorologist Taylor Ward said. "High humidity will make it feel like the low to mid-90s. While it isn't above normal, it's certainly warm and humid which is miserable without power." 599

I-8, from SR-79 (Japatul Valley Rd.) to E. Willows all lanes closed due to snow and ice.#SDCaltransAlert #Imperialvalley— Caltrans San Diego (@SDCaltrans) February 22, 2019 186

If you've ever wanted to stay at a toy store, FAO Schwarz in New York City wants to make those dreams come true.According to Airbnb, on Dec. 21, a family of four from the same NYC household can spend the night in the iconic toy store for one-night-only.The lucky family will have free rein of the two-story, 20,000-square-foot store, including a private tour and a real FAO Schwarz toy soldier. 402

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