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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) - The City of El Cajon is adding hand washing stations and sanitizing streets to stop the spread of hepatitis A.El Cajon officials are working closely with the County of San Diego to conduct vaccination events, said Assistant City Manager Graham Mitchell.San Diego public health officials said many of the Hepatitis A cases are in Santee, La Mesa and El Cajon.The City of El Cajon has 38 existing hand washing stations at city parks and is working to install more at Prescott Promenade, the county library, and trolley stations.RELATED: How can you tell if you have hepatitis A?El Cajon officials also requested that the MTS power wash trolley stations.For more information on El Cajon’s hepatitis A response, click HERE.  764

Dr. Anthony Fauci, the nation's top expert on infectious diseases, said Tuesday that he believes that it's "unlikely" that a viable COVID-19 vaccine will be available before the Nov. 3 general election.Fauci's comments contradict those of President Donald Trump, who implied Monday that a vaccine could be ready by October.During a health forum with Research!America, Fauci said that while it's not impossible for a vaccine to be safely granted Emergency Use Authorization within the next two months, he doesn't think one will be made available until the end of the year.Fauci noted that there are three vaccine candidates currently in the midst of the final phase of testing. Two of those candidates — vaccines made by Moderna and Pfizer — both became the first vaccines to begin Phase 3 testing on July 27.Fauci also noted that both trials are about two-thirds of the way enrolled, and expects those trials to be completely filled by the end of the month. But both trials involve two shots, which need to be taken 28 days apart.Given the current enrollment levels and the four-week window for the leading vaccine candidates, Fauci concluded that it's "unlikely" that enough testing and research will be completed by Nov. 3 to grant Emergency Use Authorization.Watch Fauci's interview with Research!America below. Discussion about a potential COVID-19 vaccine begins at the 6:19 mark.For months, Fauci has been consistent in his vaccine timeline. Since late April, his public statements have indicated that he's "cautiously optimistic" that a vaccine will be ready by January 2021.Over the holiday weekend, President Donald Trump claimed that a vaccine could be made available by October."[It's] going to be done in a very short period of time — could even have it during the month of October," the President said at a press briefing on Monday. "We'll have the vaccine soon, maybe before a special date. You know what date I'm talking about."On Tuesday, nine drug companies signed a joint pledge, promising to uphold "high ethical standards" in developing a COVID-19 vaccine. The companies also added that they would not seek governmental approval for emergency use authorization until they are confident the procedure is safe. 2236

EL CAJON, Calif. (KGTV) -- Despite the pandemic, the 74th annual Mother Goose Parade continues in 2020, although it may look a bit different.This year, the parade and all of its sights and sounds have gone completely virtual for the first time. The parade's theme, "A Whole New World," couldn't be more true, but fans of the El Cajon tradition can expect the same holiday magic they've come to enjoy year after year.Take a walk through the parade's history, floats and balloons, and more surprises as we kick off the holiday season in San Diego County with the virtual edition of the Mother Goose Parade. Watch the virtual parade in the player below: 659

EL CAJON, Calif. (KGTV) - After a series of crashes over the summer, people in El Cajon are calling on the city to add some safety measures to the intersection of Magnolia Avenue and Renette Avenue."It's very dangerous," says Julia Reyes, who lives near the intersection. "We have a lot of families and kids crossing through here. We have two schools near here too.""It's a regular race track," says David Pina, who also lives on the corner. He recently replaced the fence in his yard because a suspected drunk driver plowed into it over Memorial Day weekend."We were all in the house and heard a big bang in the street and all of the sudden, boom, right in the yard," he says.The intersection has stop signs for cars headed East and West. There are also cones and left-turn restrictions in the middle of the intersection. Pina says that only makes it worse."That sign ends up in the street all the time," he says of the "No Left Turn" sign in the middle of the road. He adds that people ignore the cones and drive straight through the intersection illegally.Neighbors have asked the city to install traffic-calming measures. They think a stop sign, speed humps, flashing lights or a sturdier barrier could be a solution.10News reached out to the City of El Cajon to see if there have been any discussions about adding safety measures to the intersection. A spokesperson from the Department of Public Works asked us to submit a formal public records request. Because of the holiday weekend for Labor Day, the city has not had a chance to reply to that submission.For Pina, he hopes something can be done soon. He worries that the next crash may cost him more than just a fence."My grandson sleeps in that front room," he says. "You gotta worry about the kids. I if somebody did come through that fence and come into the house, there's no chance for anybody. You got some serious issues."The City of El Cajon sent 10News the following information Thursday: 1964