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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

EL CAJON, Calif. (KGTV) -- In 1987, at the age of six, Cody Martinez moved from Pine Valley to the Sycuan Reservation to live with his grandmother."My dad is Kumeyaay and Hispanic that is my link to my maternal grandmother, who is a tribal member here at Sycuan," said Martinez, the Chairman of the Sycuan Band of the Kumeyaay Nation. "Going from Pine Valley to Sycuan wasn't too difficult; both were pretty rural.""San Diego County has the most Indian reservations within the county line in North America," he said. "There wasn't a lot of cultural events that I could recall. The first large cultural event that I could vividly remember was our first pow wow that we hosted in 1989. Today we have a full-blown cultural resource department and museum, and we have monthly cultural events."As Martinez grew older, his interest and involvement in the community also grew."At a young age, I realized that we had our own community, that had its own authority," he said. "We had a tribal council, we made our own laws, and we had our own rules, and I just knew that that's something I wanted to be a part of."In high school, Martinez said he volunteered in the tribal office and sat on different committees. As a young adult, he worked for Sycuan's gaming commission for a few years, then landed a seat in the tribal council as the tribal treasurer.After taking some time off after losing reelection as tribal treasurer, he later took a role in the planning and development department.Ultimately, Martinez would gain support from tribal families in 2014 and make his way into a leadership role, serving as the Sycuan Band of Kumeyaay Nation's Chairman.He was reelected in 2018 and currently holds the position."Sometimes, with all the political craziness and COVID craziness, I find solitude and reassurance that we get to manage our own community," he said.Martinez is thrilled to celebrate Native American Heritage Month again, hanging on to the rich history and keeping it alive by passing it all down to the next generations."The cultural exposure, I have two sons, 10 and 12, to their generation has definitely grown, their exposure and access to cultural enrichment. My sons were able to learn how to count in Kumeyaay and basic numbers and directions when they were very young," he said. "I make sure that I can get them to participate as much as possible; the Sycuan education center has a preschool and after school program, and there's cultural enrichment built into those programs."The Sycuan Cultural Resource Center and Museum also launched in 2016 at 910 Willow Glen Drive, El Cajon, CA, 92019. 2611

Early spring is a wonderful time for tax scammers — the weather gets warmer, flowers start blooming and there’s a fresh crop of taxpayers to prey on. Tax scammers come up with all sorts of way to stalk their targets. Here are a few schemes on the IRS’ radar.1. The one where they call and threaten to arrest you 319

Donald Trump attended an August 2015 meeting that federal prosecutors believe was central to a criminal scheme to violate campaign finance laws to help Trump win the presidency, according to a source familiar with the matter.According to court filings, Trump was joined by Michael Cohen, who was his attorney at the time, and David Pecker, the chairman of American Media Inc., parent company of the National Enquirer.During the meeting, the group discussed a plan to shield Trump from potentially damaging stories. Prosecutors say this amounted to illegal donations to Trump's campaign.Trump's attendance was first reported by the Wall Street Journal in a November article. The meeting returned to the spotlight Wednesday when federal prosecutors announced that they agreed not to prosecute AMI for campaign finance violations in exchange for its cooperation.The newspaper reported that Trump asked Pecker what he could do to help his presidential campaign.Federal prosecutors in Manhattan mentioned the meeting when they charged Cohen over the summer with two campaign finance violations. Those crimes related to hush-money payments to two women who alleged affairs with Trump. For his part, Trump has denied the affairs.Prosecutors also described the meeting in the AMI agreement, which became public Wednesday.That document said Cohen, Pecker, and "one or more members of the campaign" met in August 2015. At that meeting, "Pecker offered to help deal with negative stories about that presidential candidate's relationships with women by, among other things, assisting the campaign in identifying such stories so they could be purchased, and their publication avoided."AMI now admits that after that meeting, Pecker agreed to "keep Cohen appraised" of negative stories about Trump. The tabloid played a role in facilitating the hush-money payments against the women, Karen McDougal and Stormy Daniels, in the months leading up to the 2016 election.Pecker and AMI haven't been charged with any crimes. Trump denies involvement in the scheme, and said Thursday that the "did nothing wrong with respect to campaign finance laws."But Cohen has pleaded guilty the campaign finance violations, and seven unrelated crimes. He said in court that the hush-money payments were made at Trump's direction, and that the goal of the payments was to stop the women from telling their stories before the election. 2408

Dozens of people have been killed, and tens of thousands more evacuated, after "unprecedented" flash flooding in a tourist hotspot in southern India.At least 37 people have died since heavy monsoonal rains first struck the state of Kerala on Wednesday, the state's relief commissioner P.H. Kurian told CNN on Sunday.The area, located on the tropical Malabar Coast, is famed for its network of idyllic waterways. 419