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Do you have a turkey in your freezer that you're preparing to cook for Thanksgiving? Depending on the size of the turkey, it might be time for you to begin thawing the bird.Here is a general rule of thumb on when to move your turkey from the freezer to the refrigerator, according to the USDA:4 to 12 pounds — 1 to 3 days12 to 16 pounds — 3 to 4 days16 to 20 pounds — 4 to 5 days20 to 24 pounds —5 to 6 daysBut let's say you missed the deadline, does that mean you'll have to wait until Thanksgiving to cook the turkey. There is a way to thaw the turkey using water, but it does require some labor.According to the USDA, after placing the turkey in a water-tight bag, submerge the wrapped turkey in cold tap water. Then, change the water every 30 minutes until thawed.Here is how long it takes to thaw a turkey using water.:4 to 12 pounds — 2 to 6 hours12 to 16 pounds — 6 to 8 hours16 to 20 pounds — 8 to 10 hours20 to 24 pounds — 10 to 12 hoursOnce a turkey is thawed, the USDA says that a turkey must be cooked within one to two days before becoming contaminated.As a reminder, turkeys need to be cooked to an internal temperature of 165 degrees. 1157

Due to the wildfires raging in Northern California, San Francisco, Stockton and Sacramento were the world's three "most polluted cities" on Friday morning, according to Berkeley Earth, a nonprofit that aggregates data from air-quality monitoring sites.PurpleAir, which has a network of sensors around the world, also showed that California had worse air than traditional smog hotspots in India and China.CNN meteorologist Brandon Miller confirmed that "no region on Earth had as many air quality stations in the highest ranges" of particulate matter, or PM, the toxic mixture of particles and droplets that worsens after wildfires.Those values, he said, "stretched for hundreds of miles over Northern and Central California, from the mountains to the valleys and the coast."Schools, colleges and public transit have closed as smoke from the Camp Fire descends on the region."It appears to be the worst air quality ever experienced in San Francisco," said Dan Jaffe, a professor of environmental chemistry at the University of Washington. He called the situation "an air quality emergency," and experts said the smoke could undo decades of progress on pollution."We have made tremendous efforts and investment to clean up our air with considerable benefits for public health," said Dr. Daniel Jacob, a professor of atmospheric chemistry and environmental engineering at Harvard University. "But now it's like we're getting stabbed in the back with those wildfires." 1472

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

DOWNTOWN (CNS) - Authorities shut down lanes of Interstate 5 in Downtown San Diego as firefighters battled a small fire that broke out in palm trees near San Diego City College's campus, just west of the freeway Saturday afternoon.The fire was first reported at 3:44 p.m., according to a California Highway Patrol incident log.The CHP closed the right two lanes of southbound I-5, leaving only the left two lanes open. Ramps onto I-5 were also closed in the area, including the ramps from C Street and Pershing Drive to southbound I-5, according to San Diego police Officer Robert Heims. Firefighters had the fire knocked down by about 4 p.m., according to the San Diego Fire-Rescue Department.Lanes on I-5 were going to be closed for at least an hour while firefighters worked to clean up the fire, the CHP log said. 825

EL CAJON, Calif. (KGTV0 - An East County mom panicked about the challenges of distance is calling upon her neighbors for answers.The Ascher family moved from Connecticut to El Cajon nearly two weeks ago. Along with the stresses of the move, there is the reality of distance learning, which proved challenging for Megan Ascher and her kids back in march. Her kids are entering kindergarten, and 2nd and 6th grades. Both Ascher and her husband work full time."Feeling overwhelmed and completely lost on how to begin or end this journey," said Ascher.She was lost, but she found her answer online. After Ascher saw a similar group in San Diego, she created an El Cajon Facebook group called 'Neighbors Helping Parents.'"The concept is to get neighbors, parents, and families working together and supporting each other," said Ascher.That support will run the gamut, from neighbors sponsoring a child's school supplies, printing out homework or picking up a lunch at the school if the parents are tied up."It does take a village, especially during a pandemic," said Ascher.Ascher's 'village' includes neighbors with and without school-age children, including some retired teachers ready to step up. Special education teachers have volunteered their time."I have neighbors willing to help with distance learning, tutoring online and going into the homes of families," said Ascher.Ashcer says the group will also help organize learning pods. Just two days after starting the group, some 120 people have joined."It says there is this big sense of community, and it's really good to see that," said Ascher.Ascher is just beginning to work out how this will be coordinated, but she says the panic is gone, as she leans on her neighbors."In the end, by banning together, I hope we can help our kids thrive and succeed," said Ascher. 1830

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