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If American religion were traded at a stock exchange, your broker might be telling you to sell. The trend lines don't look great and haven't for quite some time.Social scientists and religious leaders have lots of theories about the long, slow slide, blaming it on everything from the internet to the politicization of conservative Christianity.A new Pew Research Center study offers something different: a survey of 4,729 Americans telling us precisely why they do (or don't) attend religious services.Some of their answers are unsurprising. Americans who don't believe in religion don't often attend church. Because duh.But the survey may confound other stereotypes about other Americans who rarely, if ever, attend church. As it turns out, they're all not atheists, or even members of the "spiritual but not religious" crowd. Many say religion is important in their lives, and lean conservative, politically."The people who attend religious services less often are not a monolithic group," said Becka Alper, a research associate at Pew.First, here are the top 10 reasons given by Americans who attend religious services at least once a month, according to Pew. Survey respondents were allowed to give more than one reason. The percentage refers to people who said this was a "very important" reason for their decision: 1329

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 election year in the middle of a global coronavirus pandemic, a new study finds the majority of Americans, about 80 percent, are confident in-person polling places will be run safely.Survey respondents also seem to agree that it is important for Americans to learn who won the election within a day or two of Election Day, about 82 percent, but only about 50 percent feel confident this will actually happen.Other questions asked on a recent Pew Research Center study appear to have strong partisan divisions.When it comes to being confident about in-person versus mail-in ballots being counted, overall 90 percent of respondents feel good about in-person ballots being counted as voters intended.The confidence in mail-in ballots being counted as voters intended differs; just 37 percent of those who support President Donald Trump say they are confident in mail-in ballots, compared to 77 percent of those who support Democratic presidential nominee Joe Biden.These feelings lead to a 30-point difference in which supporters are planning to cast their ballot in person on Election Day; 50 percent of Trump supporters say they will vote in-person, while just 20 percent of Biden supporters say they will.Roughly 20 percent of both Trump supporters and Biden supporters reported they had already voted or planned to vote in-person during their state’s early voting.The sides also differ on their feelings about how Election Day will be administered around the country. About 90 percent of all survey participants have confidence in their local community elections to be run well.However, 72 percent of Biden supporters feel confident about elections around the country and just 50 percent of Trump supporters feel confident about elections being run well around the country.The survey was conducted the first week of October, talking to more than 11,900 American adults. 1884

IMPERIAL BEACH, Calif (KGTV) –  A former United States border patrol agent says he nearly lost his arm in 2010 after training in Silver Strand Waters.  Joshua Willey says he contracted flesh-eating bacteria.“I just remember my arm was extremely swollen like I wanna say the size of a volleyball maybe, “ Willey said. “My family and I were told that I might have to have my arm amputated and that was hard to hear.”RELATED COVERAGE: 454

In a year filled with uncertainty and anxiety for students across the country, the students at James Faulkner Elementary School have found safety and solitude, not inside their small southern New Hampshire schoolhouse, but in the woods behind it.As COVID-19 cases spiked across the country and school districts agonized over whether to send kids back to in-person learning, students and teachers in this picturesque New England town decided to move classes outdoors. Now, three months into the school year, there’s talk of making these newly constructed outdoor classrooms a permanent fixture for kids, pandemic or not.“We’ve experienced this and seen that we can make it work,” explained elementary school teacher Jacquie Cornwell. “There’s been discussions about whether this is something we want to continue doing. It’s just been such a positive experience for our kids.”Cornwell, 34, has been teaching for nearly a decade. Going into this school year, she was incredibly concerned about her own safety and the safety of her students. Stoddard is home to just over 1,200 people, and the small school building here doesn’t lend itself to much social distancing. So, as the school year began, students here started constructing two “base camps” in the woods behind the school. Each morning, students pack up their books, pencils and snacks and head outside.They even petitioned the town of Alderman to use some of the land that isn’t technically on school property.Now, dozens of kids spent three to four hours a day learning outside. On a recent afternoon this fall, Mother Nature had painted their classroom walls in vibrant orange hues, as the maple trees that surround the property here prepared to shed their leaves for the winter.All of it has helped to foster a learning environment that Cornwell says has been free of stress and anxiety. Something hard to come by during a pandemic.“I’ve noticed that on days when we are outside, negative behaviors really seem to much less than when we are indoors,” she said.Looking around at her students scattered on small wooden benches around the woods, Cornwell can’t help but reflect on how surprised she’s been at how well this school year has turned out.“It’s really turned something that could’ve made this year horrible, sitting in desks, facing forward, not playing with friends, into one of the best years I’ve had in my nine years of teaching,” she said.The New Hampshire air is plentiful out here, which minimizes concerns about ventilation and COVID-19 lingering in the air. There hasn't been a single case of COVID-19 reported here this year. With the risk of spreading COVID lower outdoors, students can even take off their masks sometimes when having snacks or reading in socially-distanced groups.It’s brought on a sense of normalcy for these students, something they’ve longed for since the spring.“The woods have all kinds of sounds, the birds, the planes going by. It makes it feel normal,” said 10-year-old student Brie Bell.Bell and her classmates have taken pride in this outdoor space they've built by hand. They've hung hammocks for reading time and even built a fire pit for the colder months. With coronavirus cases spiking across the country, students here seem genuinely invested in keeping this concept going as long as it means they get to continue in-person learning.“I feel like they’re having these impactful experiences they’re going to carry with them for the rest of their lives,” Cornwell said. 3486