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If there are NFL games this fall, and if fans are allowed to attend in person, face coverings will be required. That’s the latest from the football league as they make changes because of the coronavirus pandemic.Some teams and stadiums have announced mask policies, and now it will be league-wide. NFL spokesman Brian McCarthy confirmed that all fans are to wear face coverings. 386

If you were born after 1959, when Hawaii became the 50th state, 50 states in this country is all you've ever known. Paul Strauss, the shadow-senator for the District of Columbia, thinks it's time to change that. "This is the first century where we haven’t admitted a new state yet," Strauss told Scripps National Political Editor Joe St. George."That flag used to always change and get more and more stars on it," Strauss added.As shadow-senator, Strauss has no vote in committee or on the floor of the United States Senate. The possibility of another state joining the Union is intensifying as the prospect for a Democratic sweep on Election night increases. WHY ODDS ARE INCREASINGDemocrats are expected to maintain control of the House of Representatives and the chamber has already passed a bill admitting D.C. into the union.Democratic Nominee Joe Biden has also backed the idea. Meanwhile, if Democrats take back the Senate and change the filibuster rule, the possibility of D.C. becoming a state is even more likely. That's because Democrats would only need 51 votes in favor of statehood. Currently 60 votes are needed and unlikely even if Democrats win big on election night. DEMOCRATS' POLITICAL MOTIVE Of course Democrats have a political motive in making the District of Columbia a state beyond the belief that "no taxation without representation" is unjust. D.C. is an overwhelmingly Democratic city with only 4% voting for President Trump in 2016. In all likelihood, two Democratic Senators would be elected, giving Democrats a major political advantage for decades to come. "This is not about the voice of the people of the District of Columbia, this is a raw powerplay," Senator Steve Daines, R-Montana, said in a recent interview with Scripps. Daines says if D.C. truly wants representation, Virginia or Maryland could annex parts of the city where people live. Strauss couldn't disagree more. "We want to join the union. What could be more patriotic than that?" Strauss said. For those who say the Constitution calls for the seat of government to not be in a state, Strauss says a new special district would be created outside of D.C.'s jurisdiction and stretch from the Supreme Court to the Capitol, through the National Mall and to the White House. 2278

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

ICYMI: The 2020 @ArmyNavyGame, presented by @USAA, will return to West Point for the first time since 1943.?? https://t.co/mdSCEyVfXc#GoArmy | #BeatNavy | #ArmyNavy pic.twitter.com/7405S9SIDG— Army Football (@ArmyWP_Football) October 23, 2020 250

HUNTSVILLE, Ala. (AP) — Alabama police say a dispute over crab legs at a dinner buffet ended in a brawl that left two people facing misdemeanor charges.Huntsville police officer Gerald Johnson says he was eating at the Meteor Buffet restaurant when a fight broke out.Johnson tells WHNT-TV that diners were using service tongs like fencing swords and plates were shattering, and a woman was beating a man. Johnson says diners had been waiting in line for crab legs for more than 10 minutes, and they lost their tempers once the food came out.The station reports Chequita Jenkins is charged with assaulting John Chapman, who suffered a cut on his head. Chapman is charged with disorderly conduct.Court records aren't available to show whether either person has a lawyer. 776