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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

Donna and Sam Van Why are adjusting to a new lifestyle. Several years ago, after signs of failing short-term memory, doctors informed the couple that Donna was dealing with a neurocognitive disorder that’s possibly Alzheimers. Sam is now her primary caregiver.“I have a long ways to go in getting my cooking up to where Donna was before,” Van Why said.According to the Alzheimer’s Association, more than 5 million Americans are living with Alzheimer’s disease. Director of Scientific Engagement Rebecca Edelmayer says the disease causes progressive memory and function loss due to nerve cell death that happens in the brain. This leads to stages of dementia.“Dementia are those symptoms that people are experiencing outwardly," Dr. Edelmayer said. "So this could be changes in their memory or their thinking. It could also be changing in their personality or some of their behaviors. Like they may have issues with depression, or agitation, or even sleep disturbances.”Currently, there’s no treatment for Alzheimer’s, but research is moving at a fast pace and Van Why is always thrilled to hear about any new discoveries.“We may not be to the point of the solved vaccine for Alzheimer’s, but these steps are tremendous,” Van Why said.Aside from treatment, preventing the disease in the first place would be substantial progress and getting a yearly flu shot could be an answer.“New research presented at the Alzheimer’s Association International Conference suggests that flu and pneumonia vaccines may be associated with a lower risk of Alzheimer’s,” Dr. Edelmayer said.Fourth-year medical student Albert Amran made the discovery when pulling medical history of nearly 40,000 people in a national database. He says he and his colleagues at McGovern Medical School at UT Health in Houston looked at patients' charts focusing on drug history to see if anything could be repurposed to reduce the risk of Alzheimer’s disease. The influenza vaccination popped out.“What we’re thinking is happening that as people get older the people who gets shots essentially are keeping their immune systems in shape,” Amran said.However, it should be noted that this research isn’t conclusive. Amran says it’s all very new and needs to be observed in a clinical study. Edelmayer suggests the risk reduction for Alzheimer’s could even be from a completely different factor.“It’s very possible that these are indirect effects," Dr. Edelmayer said. "That people who are getting vaccinated also take care of their health in other ways. And things could really add to a lower risk of Alzheimer’s and other dementias.”Amran says the next step is seeing if these findings can be confirmed in different populations. In the meantime, families feeling the effects of Alzheimer’s are doing what they can to help the ones they love while waiting for a treatment or cure.“I am trying my best to stay in the house or with Sam. I’m lucky I got him,” Donna Van Why said. 2944

Each year it is the duty of the Governor of this state to proclaim the following as days of special observance; January 19, "Robert E. Lee Day"; February 12, "Abraham Lincoln Day"; March 15, "Andrew Jackson Day"; June 3, "Memorial or Confederate Decoration Day"; July 13, "Nathan Bedford Forrest Day"; and November 11, "Veterans' Day"; the Governor shall invite the people of this state to observe the days in schools, churches, and other suitable places with appropriate ceremonies expressive of the public sentiment befitting the anniversary of such dates. 566

Do you get your car washed at one of those automatic washes? Would you go as often if you heard about collisions and damage happening inside?Mark Crotty of Arizona took his new car through a Super Star Car Wash. He says while in the wash, a car two cars ahead somehow came off the rollers. Crotty said the truck in front of him stopped, which caused his car to be sandwiched with the truck and a big SUV from behind. He said that SUV pushed him about 15 feet through the rest of the wash. Crotty says Super Star Car Wash took no responsibility for the damage caused. He ended up paying hundreds to repair damage to his bumpers.Jennifer Chahoud also had damage to her new car. She also said it happened inside a Super Star Car Wash.Chahoud says cars suddenly stopped in front of her and her car was hit. She said for weeks, Super Star claimed they were not responsible.Chahoud said only after complaining to the Better Business Bureau that they paid for repairs to her car.Jake Morrissey says it happened to him too.He said his car was in neutral and his hands were off the steering wheel as all drivers are asked to do. Then his car collided with a car in front and back of him.He said Super Star claimed no responsibility and said it was not their equipment. Instead, he says the car wash blamed another driver.Morrissey said Super Star gave him the driver's name and location and told him to take it up with her. He approached her, but said she denied knowing anything about it and threatened to call the police. He sued, and Super Star blamed this other driver.Morrissey lost and still hasn't had his damage repaired, and he now questions why cars are put on the conveyor belt so closely.Morrissey added he wonders why there aren't sensors that immediately stop the line when there's an issue.JR Ruelas of Super Star Car Wash said these collisions are very rare. He said when they happen, they are usually the fault of the driver.Ruelas said drivers put on their brakes or move the steering wheel taking them off the track.He says in the above cases, the car wash equipment was not the problem.He defended the practice of giving drivers information of other drivers to seek reimbursement.He said Super Star does take responsibility when they are at fault, but couldn't give exact numbers.Ruelas said there are sensors on the conveyor line, but they are not in the middle, where many of these collisions happen.Crotty, Chahoud and Morrissey all said their damage was not their fault, and ask how could it be when they have no control over their car's movement? And they say, they were just stuck.All three of them demanded that Super Star give them a video of their incidents from cameras inside.If you have similar issues, or your car is damaged in another way, make sure to get that video.Also, keep all receipts, file a police report, get damage estimates and push the car wash to reimburse you for the damage.If they don't, you could consider taking them to small claims court. 3076

Donald Trump's personal attorney Michael Cohen also represents Fox News host Sean Hannity, Cohen's attorneys said Monday afternoon.Cohen had told the court earlier he had at least 10 clients between 2017 and 2018, including the President, and the former GOP fundraiser Elliot Broidy who acknowledged paying .6 million to a Playboy model with whom he had an affair.Judge Kimba Wood ordered Cohen to attend and provide information about his clients as she weighs an emergency action by Cohen's attorneys to stop prosecutors from reviewing more than a dozen electronic devices and documents seized during a FBI raid of Cohen's office, home and hotel room last week. 672

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