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Education Secretary Betsy DeVos announced late Friday that the US government will extend a federal student loan forbearance on borrowers for an additional month as more businesses are closing due to a surge in coronavirus cases. This means that payments of federal student loans will not be due in January.The decision does not impact private student loans, which have generally still required repayment by Americans during the pandemic.While the federal student loan forbearance is scheduled to end on January 31, President-elect Joe Biden has discussed taking more permanent action on reducing the student loan burden on millions of Americans.Federal student loans were placed on forbearance in March. In August, President Donald Trump directed DeVos to extend the forbearance through the end of 2020. While those who wanted to continue making student loan payments were able to continue doing so, automatic payments of federal student loans stopped early in the pandemic as unemployment levels jumped to record levels.Amid the forbearance period, the federal government was not charging interest on borrowers."The coronavirus pandemic has presented challenges for many students and borrowers, and this temporary pause in payments will help those who have been impacted," said DeVos. "The added time also allows Congress to do its job and determine what measures it believes are necessary and appropriate. The Congress, not the Executive Branch, is in charge of student loan policy." 1493

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

Dr Pepper fans are struggling to find the soda on store shelves.The company told fans it is working to get more products out."We're doing everything we can to get it back into your hands. That means working with our distribution partners to keep shelves stocked nationwide while ensuring the safety of our employees," Dr Pepper said in a statement on social media. We know it’s harder to find Dr Pepper these days. We’re working on it – hang tight! Note: This applies to all flavors of Dr Pepper – including our newest permanent addition to the family, Dr Pepper & Cream Soda. pic.twitter.com/Kf0UedMuiw— Dr Pepper (@drpepper) August 10, 2020 Back in July, aluminum cans were also facing a shortage problem even before the pandemic hit because of high demand.“Can manufacturers are fully focused on filling the extraordinary demand from all sectors of the industry’s customer base,” said President of the Can Manufacturers Institute Robert Budway in a statement.Other products that are currently facing shortages because of COVID-19 are Clorox wipes, coins, meat, and toilet paper.The soda company is encouraging fans to contact their local retailer directly for the most up-to-date availability.This story was originally reported by Sydney Isenberg at KXXV. 1270

Do you have a turkey in your freezer that you're preparing to cook for Thanksgiving? Depending on the size of the turkey, it might be time for you to begin thawing the bird.Here is a general rule of thumb on when to move your turkey from the freezer to the refrigerator, according to the USDA:4 to 12 pounds — 1 to 3 days12 to 16 pounds — 3 to 4 days16 to 20 pounds — 4 to 5 days20 to 24 pounds —5 to 6 daysBut let's say you missed the deadline, does that mean you'll have to wait until Thanksgiving to cook the turkey. There is a way to thaw the turkey using water, but it does require some labor.According to the USDA, after placing the turkey in a water-tight bag, submerge the wrapped turkey in cold tap water. Then, change the water every 30 minutes until thawed.Here is how long it takes to thaw a turkey using water.:4 to 12 pounds — 2 to 6 hours12 to 16 pounds — 6 to 8 hours16 to 20 pounds — 8 to 10 hours20 to 24 pounds — 10 to 12 hoursOnce a turkey is thawed, the USDA says that a turkey must be cooked within one to two days before becoming contaminated.As a reminder, turkeys need to be cooked to an internal temperature of 165 degrees. 1157

During this special time of the year, I am delighted to share “America the Beautiful” and pay tribute to the majesty of our great Nation. Together, we celebrate this land we are all proud to call home. #WHChristmas pic.twitter.com/fdZmB3rdXL— Melania Trump (@FLOTUS) November 30, 2020 292

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