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I cannot bring myself to include a link, because why give it more air? But that op-ed belittling Jill Biden, urging her to drop the Dr., mocking her research on community college, likening her degree to an honorary doctorate, is disgusting. 1/2— Melissa Korn (@melissakorn) December 13, 2020 305

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

Illinois authorities are investigating allegations of neglect after a fire in Chicago killed 10 children, officials said Tuesday.Eight bodies were discovered Sunday after the blaze broke out in the two-story building. The other two victims, both 14, died this week at John H. Stroger, Jr. Hospital, said Natalia Derevyanny, a spokeswoman with the Cook County Bureau of Administration.The investigation was opened after fire officials said there were no adults in the home, Illinois Department of Children and Family Services spokesperson Alissandra Calderon said in an email.A family member told CNN affiliate WGN the children were at the house for a sleepover. 669

IMPERIAL BEACH (KGTV) - A man was arrested Saturday in Imperial Beach after residents say he rushed into a home and wrecked their bathroom, leaving blood everywhere. Resident Miguel Ledesma said their front door was open to let in the breeze, "I heard some noise behind me and I turned around and the door was wide open, so I saw him rush through." The man was mumbling about being chased. Ledesma said the man backed up, tripping over the Christmas tree, knocking it over in the process, and went into the bathroom. Ledesma said that's when his brother shut the door to protect the family."There were screams, the lady who lives in there she was screaming pretty loudly," Neighbor Matthew Rodriguez said."We started hearing all these noises, all the breaking, the mirror, the shower curtain, everything in there is destroyed, there's bloody pretty much," Ledesma said. Officers finally removed the man, handcuffing him. The man was later loaded into an ambulance.He had visible cuts on his neck and arms, and a bandage around his head. Ledesma said he came in without a scratch and left bloody."It was pretty scary because we didn't know what he was going to do before the cops showed up," Rodriguez said."We're all okay, he didn't take anything, he just destroyed the bathroom pretty much," Ledesma said. He said they reached out to the property manager to get the bathroom fixed, but his mother was already cleaning with bleach. 1440

Housing and rates are worrying some economists that a recession is looming."One of the biggest concerns is the housing market," said Lindsey Piegza, chief economist for Stifel, on CNNMoney's "Markets Now" live show Wednesday. "It's throwing up a very large red flag and suggests maybe this 4% growth we saw in the second quarter is not sustainable."Home sales?have declined in four of the past five months as housing prices have grown -- but paychecks have remained stagnant. Many people can't afford to buy homes, and those who can are taking on a lot of debt to get into them.Piegza says that echoes what happened right before the Great Recession in 2008."We're not there yet, but this is what led us to the housing crash," she said.How could this happen again? Piegza believes that a decade of rock-bottom interest rates helped people forget about the dangers of borrowing too much."I don't know if we learned our lesson from the Great Recession," she said. "We are going back to a lot of the easy lending that we used to see."Although Piegza said a recession isn't necessarily imminent -- especially after quarterly growth just came in at the fastest pace in almost four years -- there are signs of waning momentum in the economy.Interest rates, for example, are starting to become a bad omen.The Federal Reserve, which finished up its two-day meeting Wednesday, is expected to raise its target rate two more times this year. Higher rates have boosted short-term US Treasury bond rates. But the longer-term bond rates haven't risen along with the shorter-term rates, because investors are growing wary about the economy over the long haul.With two more interest rate hikes planned, the Fed could boost short-term rates higher than long-term ones, inverting the so-called yield curve. An inverted yield curve has preceded every recession in modern history."We could easily be there by the end of the year," Piegza said. "I think we'll see pressure on the longer end by the end of the year, but the Fed will still be raising rates on the short end."Fed Chairman Jerome Powell has said that he is not concerned about an inverted yield curve. Piegza strongly disagrees."It is a predictive measure of a recession," she said. 2266

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