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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) -- Over two dozen people were displaced Sunday night after a fire ripped through an apartment building on Bradley Avenue in El Cajon. The fire started on the first floor of the building, inside of a unit that was being renovated. Witnesses told 10News they heard a commotion and people screaming there was a fire. Several neighbors say they stepped in to help using buckets of water to put out the flames. Firefighters say the fire appeared to have started inside the walls of the apartment with a plumbers torch that was being used during the renovation. Fire officials say the fire damaged four of the units, displacing 21 adults and 12 children. The Red Cross is providing shelter for the night for those displaced. One of the men working inside the apartment suffered a minor burn on his left hand but told 10News he was okay. 864

EL CAJON, Calif. (KGTV) -- A metal recycling facility in El Cajon burst into flames Wednesday afternoon, sending thick, black smoke into the air.The fire erupted at the intersection of Magnolia Avenue and Bradley Avenue near In-N-Out Burger.In total, 20 firefighters from Santee Heartland and San Miguel responded to the blaze. Firefighters said they had to use breathing tanks because they didn't want to come into contact with the heavy smoke.The official cause of the fire hasn’t been confirmed, but crews received reports that the fire started in the car crusher then spread to nearby recycled materials. "Oh it stinks really bad. I took hazmat training. Any time they are burning stuff like that stay upwind and don't smell that stuff,” said Larry Sutton, a worker in the area.Crews used an aerial water stream to send 1,000 gallons of water per minute onto the large fire. "We had one in July, fire prevention bureau working with the business to make ensure materials are stored properly and measures are safe,” said Justin Fuller with the San Miguel Fire Department.Crews also consulted with a hazmat team due to the nature of the fire. Officials said they are working to try and control runoff from the fire which may contain hydraulic fluid from the car-crushing device. 1287

Donald Trump once tried to offer Karen McDougal money after they had been intimate, the former Playboy model told Anderson Cooper Thursday in an exclusive interview on CNN."After we had been intimate, he tried to pay me, and I actually didn't know how to take that," she said of their first alleged sexual encounter.When Cooper asked if Trump tried to hand her money, McDougal said, "He did." 400

Discussing your salary with co-workers is seen as a taboo subject, but now some people are saying you should be talking openly about how much you make. "I think salaries in the work place have been taboo to talk about for years, and I think that's created a number of problems," says Marcus Ollig, president of the recruiting firm The Advocates. Ollig has been managing employees for years and believes transparency is important. However, he says, sharing your salary with co-workers is not the way to go about it. "You may hear that you are actually paid more than the person you're talking to, and now they ask you the question back, and now, you might not want to share because you don't want to make them feel bad," explains Ollig. Many people we spoke with say they want open dialogue and feel it's healthy in the workplace. However, Ollig says the real question you should find out is are you being paid what you're worth?Instead of going to your co-worker, Ollig recommends going to your boss. They are the only person who can tell you your worth in the company, Ollig says.But before you do, first do some research. Go to online sites like Glassdoor, Pay Scale and The Bureau of Labor Statistics. Those sites will show you the average pay range of someone in your position. "Speak to a really legitimate recruiter or temporary staffing agency, depending on what you do, because they have data on every job that they service," suggests Ollig. Once you're equipped with the knowledge, then it's time to speak to your boss."If your employer says, 'You are doing great, but there is no way I can get you from x to y,' then maybe talk about different positions, if you like the company" Ollig says. "And if that's not a possibility, maybe it's time to move on." 1857