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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

e find attached our letter to the USPS IG and a statement in response to USPS delays in general."Following a 30-year career in the United States Postal Service, and upon my election to the U.S. House of Representatives, I have continued to serve as a member of the House Committee on Oversight and Reform, the lone committee in the House with jurisdiction over the Postal Service. In the weeks leading up to the November 2020 election, data provided by the Postal Service indicated a noticeable drop in on-time mail delivery as millions of Americans used the agency to vote-by-mail. To understand these delays, I sent a letter to the Inspector General of the United States Postal Service to request an investigation into the origins of the delays, and more importantly, what needs to be done to reverse these trends. Unfortunately, during the Holiday season—the Postal Service’s busiest time of the year—the combination of record mail volume and surges in COVID-19 cases have further hampered the agency’s ability to promptly deliver mail. In fact, as UPS and FedEx prioritize the distribution of vaccines, the Postal Service has taken on much of their package volume, adding more stress to an already overwhelmed system. Last week, it was reported that thousands of Postal Service employees were quarantined due to the pandemic, creating employee availability shortages across the country.For the duration of the pandemic, Postal Service employees have reported working each and every day to ensure mail delivery continued as states across the country enacted stay-at-home orders. As COVID-19 vaccines become more widely available, I am fighting to ensure these heroic Americans are classified as essential workers, therefore enabling them to be among the earlier recipients of the vaccine. Last Friday, I spoke with Postmaster General Louis DeJoy regarding the ongoing delays associated with mail delivery and stressed the need to rectify the situation as millions of Americans continue to rely on the Postal Service. Let me be clear—the more than 600,000 Postal Service employees nationwide are among the most dedicated public servants in our government workforce, and I have no doubt that they are doing everything in their power to move the mail as quickly and safely as possible. This country owes them a debt of gratitude for their commitment, dedication, and perseverance over the last 10 months. I will continue to use my voice as a member of Congress, and as the only representative to have served an entire career in the Postal Service before being elected, to ensure the Postal Service is able to fulfill its mission to promptly deliver mail nationwide."This story was first reported by Heather Catallo at WXYZ in Detroit, Michigan. 9707

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

EL CAJON, Calif. (KGTV)- An El Cajon family says the least valuable items stolen during a recent burglary are the ones they most desperate to get back.  Last Friday, Shannon Torres returned to her home along Murray Drive around noon with her 3-year-old son. "Her heart dropped. She was terrified," said husband Omar Torres.Torres says she found the front unlocked and the French doors leading into the family room open."They had kicked it open and splintered it up near the top," he said.Inside the house, the bedroom drawers were open and Shannon's jewelry boxes were gone and along with them, dozens of pieces of jewelry.Among the missing items: a pearl necklace from her aunt that Shannon wore at her wedding, diamond earrings from her husband for their anniversary, and a silver-and-gold bird necklace. The latter was a Mother's Day present. The couple have three sons, ages eight, six and three."It's very sad. Heartbreaking," said Torres.That feeling was made more intense when they realized what else was in the jewelry boxes: a yellow-and-white flash drive on a key ring and a black SanDisk memory stick. On them were the birth videos of their sons, along with videos and stills of each of their first year of life."It was a tremendous time we want to be able to relive and now we can't on those videos. It's devastating. You want to be able to share with them and pass it on to them one day," he said.The bird necklace is engraved with the first letters of her sons' names, V - A - N. If you have any information on the case, you're urged to call Crimestoppers at 888-580-8477. 1604

EL CAJON (CNS) - A man was struck and killed by an SUV as he crossed a street in El Cajon, police said today.The man, believed to be 50 to 60 years old, was pronounced dead at the scene, Lt. Stephen Kirk of the El Cajon Police Department said.The motorist is cooperating with police and investigators do not believe drugs or alcohol were a factor, Kirk said. Police said the man was crossing Jamacha Road at the intersection with Granite Hills Drive at 10:15 p.m. Saturday and was struck by a 38-year-old El Cajon woman driving a 2019 Bentley SUV north on Granite.At the time of the collision, the man was walking outside the crosswalk, police said.The crash remains under investigation and Jamacha Road is expected to be closed in both directions between Granite Hills Drive and Washington Avenue until at least 4 a.m.The El Cajon Police Department is asking anyone with information to call 619- 579-3311. 914

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