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If you've ever had a surgical procedure, you know it can often mean a high hospital bill. Now, more people are turning to surgery centers for a lower cost.Sandi Bowen is one of those people.Something as simple as picking out a shirt is more challenging for Bowen than she ever thought it'd be. On Easter, she found a lump in her breast. Doctors told her it was cancer."It was very very very confusing," Bowen says. "It still is. It brings tears to my eyes, because I don't understand how I got it."Instead of a lumpectomy, she decided to remove her entire breast. And instead of going to a hospital for breast reconstruction, Bowen opted for the Kaiser Permanente Ambulatory Surgery Center, where she got the surgery. In less than 24 hours, she was back home recovering.  "I felt very special," Bowen says. "They were there every time I moved. They came in and talked to me, even goofed around with me."Dr. Mike Sawyer, the director at the center, says they've worked hard to address concerns regarding patient care."If it's a patient that just needs physicians to kind of come to the bedside, and maybe we have to have some kind of intervention, we're able to do that because are here and we are present," Dr. Sawyer says. "On site, as they say. If it's really something that requires a higher level of care, that again allows us to do a pretty quick transfer process over to one of our partner hospitals."Compared with hospitals, Kaiser Permanente says its patients are seeing an average cost savings of 30 percent on their procedures. It can be anything from simple orthopedic procedure to joint procedures.However, Dr. Sawyer says there are important questions you need to ask before determining if a surgery center is the best option for you."Does your physician feel comfortable with this operation there?" Dr. Sawyer says. "Have you and your physician discussed all the ramifications of that procedure? And then what sort of plans does that ambulatory surgery center have if you were required a higher level of care?" 2037

In 2020, buying or selling a home has become quite tricky. Experts in the real estate industry are seeing a new trend: purchasing homes without ever stepping foot in them. "We've found ourselves in a really, really interesting situation right now with coronavirus. And also, dealing with a super low inventory across the country," said David Lewis, a realtor in the Atlanta area. Lewis says for those who are relocating, COVID-19 wariness may prevent potential buyers from seeing a property in person. Plus, traveling can be difficult right now."A lot of times, some of them we’re videoing the home for them and some of them are just looking at the pictures and submitting blind offers and just hoping, trusting us to give them a little bit of guidance and also making sure the inspections and things are in line to offer that level of protection," said Lewis.Experts say, when buying virtually, a good home inspection is a must. "It should catch most everything. Now remember, a home inspection is a visual inspection. We’re not allowed to take siding off a house, we see trim damage then that's what we see. We can’t take a look between that wall," said Donny Williams, the Director of Business Development and Marketing for All Atlanta AmeriSpec.Overall, he doesn't recommend buying a home without going inside it first, but he and many other inspectors at his company are seeing it more often now. "I was actually surprised the number of times it actually happened. The guys could remember seven to 15 times each. Times that by 18 guys and that's a lot," said Williams.Before the pandemic, Williams says he rarely would see people purchase homes sight unseen. But as long as contracting the coronavirus is a concern, home buying virtually could be here to stay. Just know that if you are thinking of buying a home this way, there are things a realtor won't be able to fully give their opinions on, such as the neighborhood."That's something that is always largely on the purchaser. There’s several laws and regulations around what a real estate professional can share and information they can give on a neighborhood. So, a lot of times that's always up to the consumer, anyways, right, to get a good feel for the neighborhood or understand the dynamics or school or surrounding area," said Lewis.Overall, make sure before you swipe right to buy a home, meet it first, if at all possible. Having a realtor and inspector you trust is key. Though, what they won't be able to help you with is if the house feels like your home. 2535

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

IKEA is offering to buy back certain furniture that is no longer wanted or needed to resell in their bargain section. In exchange, customers get an IKEA gift card for up to 50 percent of the original price."By making sustainable living more simple and accessible, Ikea hopes that the initiative will help its customers take a stand against excessive consumption this Black Friday and in the years to come," the Swedish furniture giant said in a release.The buyback initiative will be available in 27 countries in late November, including the United Kingdom, Russia and Canada, but not the US at this time.The New York Times reports there are some IKEA stores around the world with various buyback programs, but this would be the first time the initiative would be scaled across this many countries.“Rather than buy things you don’t need this Black Friday, we want to help customers give their furniture a second life instead of making an impulse buy,” says Ingka Group Deputy Retail Operations Manager Stefan Vanoverbeke in a press release.Products like dressers, bookcases, shelf units, chairs, tables and cupboards must be fully assembled in order to be eligible for the buyback offer. Customers will have to fill out a form and drop it off at an IKEA store. An employee will assess it and offer a price to buy the item back at, depending on the condition of the product. The item is then put in the discount area of the store and sold for the price IKEA bought it back for.The company says the initiative is part of their sustainability push, to address “unsustainable consumption and its impact on climate change.”Coronavirus pandemic lockdowns and stay-at-home orders have been good for home improvements and IKEA. The company announced last week sales have surged 45 percent year-over-year. 1804

Hurricane Lane may have passed by the island chain over the weekend, but Hawaii is still feeling the storm's aftereffects as residents recover from days of heavy rain and remain on the lookout for even more showers.Lane dropped 52.02 inches of rain on Hawaii from August 22-26, the second highest rainfall total from a tropical cyclone in the US since 1950, according to preliminary data from the National Weather Service (NWS).That's behind only the 60.58 inches dumped on Nederland, Texas by Hurricane Harvey last year.Hawaii's Big Island -- the easternmost island in the chain -- was hammered hardest by rain. Some residents there had to be evacuated, with water rescues occurring in Hilo and Keaau, the NWS said. A number of roads were closed by flooding and landslides. 782