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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

Dunkin' Donuts is chowing down on the gluten-free craze.The company introduced its first-ever gluten-free bakery product: a fudge brownie. It's available in all of Dunkin's 8,500 US stores beginning Monday.Dunkin' said in a statement it recognizes "the importance of providing alternative choices for people with dietary restrictions or who choose a gluten-free diet."Gluten-free food has soared in popularity, projected to rake in billion in sales by 2020, a 20% increase from 2015, according to food industry research company Packaged Facts. (Besides those suffering from Celiac disease, there are few health benefits to a gluten-free diet.) 654

DULZURA, Calif. (KGTV) - A Dulzura man is describing his harrowing escape, after he woke up to his apartment on fire.At Barrett Lake Winery Monday morning, flames tore through a converted barn housing the apartment of vineyard foreman Patrick Rowan. Around 5:30 a.m., Rowan woke to a loud noise and opened a door which opens into the barn's interior."So bright, about 20 feet away. Looked like the sun parked in the room next to me," said Rowan.He saw flames everywhere and rushed into a second apartment unit to rescue two barn cats, but they kept running off."When I looked back, the door -- ceiling part -- was falling. Everything was on fire, except to the left, so I ran through there," said Rowan.He ran back his own apartment to get his pets: two Siamese kittens named Tom and Jerry. For minutes, he tried to coax them to come out from under the bed, but they didn't. He then noticed that his only exit, the kitchen area, was on fire."The roof, ceiling, and door are all wood, and all on fire. Started falling, so I had to get out of there. I ran through the fire, but didn't get burned," said Rowan.As he escaped, he didn't feel fear, only guilt."I felt like a piece of **** because I couldn't save my animals. They were my homies. They were the only things that mattered," said Rowan.One kitten died in the fire. The other is missing. Rowan's apartment was a total loss, and he didn't have renters insurance.He'll be homeless for the holidays, but he's still planning on buying gifts for family and friends."I'm not letting it ruin anything. I'm getting people gifts. People are yelling at me about it ... I don’t have anything anyways. The few hundred dollars I want to spend don't matter," said Rowan.Fire investigators told the property owners the fire was suspicious and the investigation is ongoing. ABC 10News reached out to investigators and are waiting to hear back.A Gofundme campaign has been set up to help Rowan get back on his feet. 1962

DOVER, Del. (AP) — Erik Moses has been named president of Nashville Superspeedway. He's the first Black man to hold that title at any NASCAR track. Moses most recently served as president of the XFL's DC Defenders. Prior to working for the XFL, Moses served as CEO of the DC Sports & Entertainment Commission, Director of D.C. Department of Small & Local Business Development, and Senior Vice President at Events DC.He now leads the charge of the scheduled Nashville reboot in 2021. Moses says he was "hired to do a job, not because of what color I am." 570

Do you like a good marshmallow mystery?If you like both, Peeps has launched eight new flavors for spring. As for three of them, you have to guess the flavor. The mystery flavors are available only at Walmart and will be wrapped in white packaging with a question mark.You can guess the flavors and share your guess on Peeps' social media pages.Peeps will announce the mystery flavors close to Easter.As for the new flavors, they are sour cherry, pancakes and syrup, Neapolitan, lemon sherbet and orange sherbet, which both are dipped in fudge.  562

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