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In a typical year, most people want to see family for the holidays. But many people don’t really want to stay with family.So if you’ve already made the decision to spend the holidays this year with family members outside of your household, here’s one perhaps welcome byproduct of 2020: Instead of sleeping in your childhood bedroom or on the basement futon, you might finally stay in a hotel.While 95% of Americans say it’s usually important to spend the holidays with family, 30% say they believe they would enjoy the holiday season more if their family came together without all sleeping under the same roof. That’s according to an online survey of 2,000 U.S. adults by SWNS Media Group and commissioned by Motel 6, done in 2019 — before COVID-19 was part of the vernacular.Now you have reason to be optimistic about an otherwise brutal 2020 — you finally have a tough-to-argue-with excuse to not stay with family (or not to let family stay with you, if you’re usually the host). Instead, if you’re still planning to see family, it’s more likely that this is the year you find yourself staying at a hotel or vacation rental.Here’s why you should take advantage of this one silver lining in what most people agree has been a crummy year for traveling and seeing family.You’ll have better quality timeTwenty percent of respondents in SWNS Media Group’s 2019 survey said getting on each other’s nerves was a top concern when it comes to staying with family during the holidays. Another 20% cited family drama. More time together means more opportunities to get annoyed and allow tense topics to creep up: the election, the pandemic, the economy, healthcare … and the list goes on.According to the Centers for Disease Control COVID-19 guidelines, gatherings that last longer pose more risk than shorter gatherings. So instead of a long weekend with family, this year you might meet up for a few hours to have Thanksgiving dinner at a park, or to go on a neighborhood walk to view the Christmas lights.Just a few hours together before heading back to your hotel allows you to focus on easier conversation topics without causing a ruckus. That’s enough time to discuss the latest happenings in Zoom school or to chat about your newfound hobbies, without getting into areas that are more likely to ruffle feathers.You’ll sleep more comfortablyStaying with family as an adult can be uncomfortable — literally. Maybe you and your kids are shoved in a basement. A loose piece of plywood from the futon is jamming into your back. Your kids are in sleeping bags on the floor in the hallway, blocking your path to the bathroom (which you’re sharing with your sibling and their own family).This year, go for the hotel or vacation rental. You’ll have a real bed. The kids might get their own room, and you won’t have to share a bathroom with anyone outside of your household.You’ll also get to live on your own schedule. So turn on the TV in the morning without worrying about your host’s dog barking at it. Or stay out as long as you want, without grandma worrying that you’re out too late (even though you’re a full-grown adult).You have a good excuse not to host guestsIf you’re usually the host, you already know it’s a lot of work. But this year, you’ve got a built-in excuse to avoid those extra loads of laundry and dishes. No making sure you have enough vegan, gluten-free and keto food options in your pantry to accommodate all of your guests.Instead, you have an opportunity to see family members in your city without them living inside your house. This year, you might recommend the family meet up for apple-picking (the CDC lists visiting orchards where people use hand sanitizer before picking apples as only a moderate-risk activity).Even if you’re still serving as the host in some capacity — perhaps offering up your backyard for an outdoor feast — you’re off the hook for one of the worst aspects of being a host: ensuring everyone has a bed to sleep in for the night. Nearly 40% of hosts said organizing sleeping arrangements is one of the most stressful parts of preparing for guests, according to the SWNS Media Group survey.You won’t offend your host by not staying with themWhile some folks find aspects of hosting incredibly stressful, some guests find it just as stress-inducing to decline invitations from hosts who insist you sleep over. Some of the world’s top etiquette experts have devoted effort into devising ways to politely-but-firmly decline invitations from hosts who are adamant that you stay over.Bu this year, you don’t need an etiquette expert to help you explain why you’d rather opt for a hotel.You’ll find better hotel deals this yearIf you’ve always toyed with the idea of staying at a hotel but staying with family usually wins out in the name of saving money, here’s another reason to give in to the hotel for the 2020 holidays: You’ll likely score better rates than in any other year.With summer travel down, hotel chains offered up some pretty good deals, many of which are still valid now — and many hotels offered up bonus points in their loyalty programs with every stay. At one point, Best Western was handing out gift cards just for staying with them.Luxury travelers can still take advantage of a super sweet deal in Fairmont’s nearly unbeatable buy one, get one free offer for every night’s stay until April 30, 2021 (book before Nov. 16, 2020).If travel doesn’t pick up, it’s likely you’ll find more deals ahead of the winter holiday season. In fact, Hyatt has already announced that all World of Hyatt members will earn 3x points for qualifying stays through January 4, 2021, for up to 150,000 bonus points (anyone can become a member for free online).And if you’re a Hilton Honors member, you’ll earn double bonus points for stays at Hilton hotel between now and December 31, 2020. That’s good for building up your hoard of Hilton Honors points, but it’s also great if you’re trying to earn Hilton Honors elite status, as you’ll also earn double night credits for your stay.The bottom lineThis year has been rough in a lot of ways, but it’s also provided opportunities for silver linings. Travelers have already experienced some positive changes, like waived airline change fees, improved hotel cancellation policies and better airplane sanitization (because when were the tray tables ever cleaned before this?).And this holiday season, there’s one more reason to look on the bright side: Whether you’re masking it up for Christmas this year or hosting a socially distanced in-person Thanksgiving picnic, you’re finally off the hook for sleeping on the squeaky futon in the basement. Perhaps the best present you can give yourself this holiday season (without feeling guilty about it): your own hotel room.More From NerdWalletWhen Should You Book Basic Economy?Travel Insurance Options for Digital NomadsHow Safe Is Air Travel Right Now?Sally French is a writer at NerdWallet. Email: sfrench@nerdwallet.com. Twitter: @SAFmedia. 6979

In a tweet on Monday, President Donald Trump said wearing a face mask is "patriotic."The president took to Twitter to encourage people to wear masks during the coronavirus pandemic."We are United in our effort to defeat the Invisible China Virus, and many people say that it is Patriotic to wear a face mask when you can’t socially distance. There is nobody more Patriotic than me, your favorite President! 414

Hurricane Harvey was a big headline in 2017. A year later, many continue to recover from the storm. They’re also remembering the government’s response, as they head to the polls to cast their ballots in the upcoming midterm election.“Yes, for the last three and a half years, walking into this house has been very depressing, I would say,” says Houston homeowner Greg Roberts.It hasn’t been easy for the Roberts, who live in Houston’s Meyerland neighborhood."We got flooded out in 2015, 2016, and 2017 with Harvey, as well," Roberts says.The Roberts haven’t lived in this home since it was first flooded in 2015. Harvey brought in more flood damage.Now, the couple is raising their home's foundation higher than the levels Harvey's waters reached. "If you look up and down the streets of this neighborhood and many others, you will find many others that have been lifted or completely demolished," Roberts says.Many residents in the area are preparing for the next storm. But the past isn't lost in this election cycle.  "The topic of flooding and recovery from flooding has not left the public conscious for at least the last three years, probably before, especially the past three and a half years,” Roberts says.Roberts says it’s a major talking point for politicians in Texas.After so much flooding, the Roberts say they've already answered another tough question about their future. Why do they stay?“That's a good question,” Roberts says. “It's a person by person decision; there's no question about that. We love for years. We fought for years to get into this neighborhood. So, we just really love the areas."There were a lot of things we really love about this neighborhood, so we stuck it out. We prayed about it thought about it and took all things into consideration." 1808

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

If you like lighting your tongue on fire with spicy foods, then here's some good news for you.On Tuesday, Hormel's revealed its Ghost Reaper Chili, which they've deemed as the "world's hottest chili." “Chili is a dish that can be enjoyed so many different ways, whether it’s straight out of the bowl, on a hot dog, incorporated into dips and other recipes, or as a pour-on for a quick and delicious dinner upgrade,” said Sarah Johnson, Hormel? chili brand manager in a press release. “However fans want to enjoy their chili, for a short time they can lay stake to a pretty bold claim: that they’ve tasted the hottest canned chili in the world.”The Minnesota-based company says its eye-watering concoction contains beef, beans, as well as a combination of ghost peppers and Carolina reapers, which are some of the hottest peppers on the planet.Beginning on Sunday at 7 a.m. CT, Hormel's is offering a limited-time two-pack that'll also include Hormel Ghost Reaper World’s Hottest Chili with Beans.According to People Magazine, the limited-edition item is only available on Target's website. 1097