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Buying a home can be nervewracking, especially if you’re a first-time home buyer. Not only is it probably the biggest purchase of your life, but the process is complicated and fraught with unfamiliar lingo and surprise expenses.To make the first-time home buying journey a little less stressful, NerdWallet has compiled these 25 tips to help you navigate the process more smoothly and save money. 404

California Democrat Gil Cisneros has defeated Republican Young Kim in a closely watched House race, adding yet another blue seat to the party's new House majority.Cisneros, a former Navy officer, will represent California's racially diverse 39th Congressional District, which was previously held by retiring Republican Rep. Ed Royce.Kim, who was seen as a charismatic potential successor to Royce, her one-time boss, finally succumbed to her opponent on Sunday.In a concession published to Facebook, Kim said she believes that the "competitive nature of this election shows that my message and service to this community resonated."The Democratic win in the district adds to several other pickups for the party in the districts representing Orange County, a place that used to be reliably Republican. Democrats now control seven seats representing the county, four of which are pickups from Republicans. 910

Capping days of commemorations of her extraordinary life, Supreme Court Justice Ruth Bader Ginsburg becomes the first woman in American history to lie in state in the U.S. Capitol Friday.Ginsburg’s casket was brought to the Capitol Friday morning for a private ceremony in Statuary Hall attended by her family and lawmakers, and with musical selections from one of Ginsburg’s favorite opera singers, mezzo-soprano Denyce Graves. Speaker of the House Nancy Pelosi welcomed everyone to the Capitol, and Rabbi Lauren Holtzblatt spoke during the ceremony.Democratic presidential nominee Joe Biden and his wife, Jill, and running mate Senator Kamala Harris also attended.Members of the House and Senate who are not invited to the ceremony because of space limitations imposed by the coronavirus pandemic are paying their respects before a motorcade carrying Ginsburg’s casket departs the Capitol early afternoon. 915

CARLSBAD, Calif. (KGTV) – The Carlsbad Police Department held a community meeting to address a creeper that’s been prowling through neighborhoods.RELATED: Carlsbad Police release sketch of suspected prowler who entered homes on occasionAbout 50 people attended the Thursday night meeting at the Carlsbad Senior Center.Police passed out the sketch of the man they say has been looking through people’s windows and then climbing through the glass.In one case, the prowler climbed into a teenager’s window but ran off when the girl woke up and started screaming.Police say the incidents happened between Sept. 11 and Sept. 16.  In all cases, police say the man went in through an unlocked window on the ground floor. 731

BUIZINGEN, Belgium (AP) — To ensure the merriment of millions of Belgian children, the government is offering a special exemption from the stringent coronavirus measures to beloved St. Nicholas. The saint always delivers bountiful presents on the morning of Dec. 6. In a tongue-in-cheek letter Thursday, Belgium's health and interior ministers soothed the worries of youngsters fearing they might go without presents. The officials said Nicholas wouldn’t have to quarantine after arriving in Belgium from Spain, where he lives, and would be able to walk rooftops to drop gifts into chimneys even during curfew hours. They wrote: "Do what you do best: make every child happy. We are counting on you.” 707