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Millions of homeowners and renters have been struggling to make housing payments since March.“The latest census pulse survey shows about a third of renters have little to no confidence that they will be able to make rent,” said Alieza Durana with Princeton University’s Eviction Lab.It’s been tracking the affordable housing crisis in America, but particularly how that has manifested during this pandemic.“We have counted over 39,000 evictions between March and August,” said Durana.Those evictions took place because the CARES Act’s federal moratorium on eviction only covered tenants in properties with federally backed mortgages, which is estimated to be about a third of all renters.However, more than a month ago, even that partial protection expired, and millions of Americans have been lingering with concern over whether they can keep a roof over their heads.“In the absence of government intervention, it doesn’t look good,” said Durana.Late Tuesday afternoon, the Centers for Disease Control and Prevention (CDC) issued a 37-page order that will ban evictions in order to reduce the spread of coronavirus. The order applies to owners and tenants of “any” residential property.However, there are a few important caveats.First, in order to be protected from eviction, you are required to provide your landlord with a signed copy of the declaration form that is located at the end of the CDC’s order.Secondly, on the form, you have to swear that your income is below the CDC’s outlined threshold and that you are unable to make full rent payment because of a substantial loss of household income. The CDC’s income threshold is ,000 for single filers and 8,000 for joint filers.Lastly, renters have to certify on the form that they will continue to pay whatever portion of their rent that is manageable and that they are aware whatever rent was not paid will still be owed in addition to late fees.The CDC’s order protects renters until the end of 2020, but it does not protect homeowners against foreclosures. So far, there is no mention from Congress or from the Trump Administration of help to landlords. 2128

LOUISVILLE, Ky. -- Senate Majority Leader Mitch McConnell says there will be a peaceful transfer of power if Joe Biden wins the 2020 presidential election.When asked by WLEX's Karolina Buczek if a peaceful transfer of power would take place once the election is settled and the former vice president ends up winning the Electoral College, McConnell responded with "of course" on Friday. 394

MAGALIA, Calif. (AP) — Cool weather helped fire crews gain ground Thursday against the nation's deadliest wildfire in a century, as the search went on for more bodies. At least 56 people were killed and 300 were unaccounted for a week after the flames swept through.The nearly 220-square-mile (570-square-kilometer) blaze in Northern California was 40 percent contained, the state fire agency said, and firefighters succeeded in slowing the flames' advance toward populated areas.More than 450 searchers were assigned to look for remains in Paradise, which was all but destroyed Nov. 8, and in outlying areas such as Magalia, a forested town of about 11,000. Many of the missing were elderly and from Magalia."If this town does recover, it's going to take many, many years," said Johnny Pohmagevich, an 18-year Magalia resident who lives up the road from many burned homes.Police drove around town, searching for those still in their homes and checking if they needed food and water.Butte County Sheriff Kory Honea said Wednesday night that 130 people were missing. His office later released a list of 300 who were unaccounted for, though spokeswoman Miranda Bowersox said some of those may simply not have checked in with officials or family.At the other end of the state, crews made progress against a blaze of more than 153 square miles (396 square kilometers) that destroyed over 500 structures in Malibu and other Southern California communities. The fire was 57 percent contained, Cal Fire reported.At least three deaths were reported in Southern California.Officials in Northern California put the number of homes lost there at nearly 8,800, and the sheriff said the task of recovering remains had become so vast that his office brought in 287 more searchers Wednesday, including National Guard troops. The search crews used 22 cadaver dogs.Interior Secretary Ryan Zinke joined California Gov. Jerry Brown on a visit to Paradise on Wednesday, saying it was the worst fire devastation he had ever seen."Now is not the time to point fingers," Zinke said. "There are lots of reasons these catastrophic fires are happening." He cited higher temperatures, dead trees and the poor forest management.The governor said officials would need to learn how to better prevent fires from becoming so deadly .It will take years to rebuild, if people decide that's what should be done, said Brock Long, administrator of the Federal Emergency Management Agency. "The infrastructure is basically a total rebuild at this point," he said.While most of Paradise was wiped out, in Magalia there was a sharp dividing line between homes that burned and those that were spared."Magalia has so many trees. I honestly can't believe it just didn't get leveled," said Sheri Palade, an area real estate agent.Tom Driver, the office manager and elder at Magalia Community Church, said he heard the church made it through the blaze, though he did not know whether his home did."I've been able to account for all of the congregation," said Driver, who is staying with family in Oakland. "They're all over the place, but they got out in pretty good time."Kim Bonini, one of those who got out safely, left after hearing someone on a bullhorn two blocks over urging people to leave. The power in her home had gone out that morning, leaving her with only her car radio."My cell didn't work, my house phone didn't work, nothing. Nothing except for me crawling into my car," Bonini said from her daughter's home in Chico. "If I wouldn't have heard them two blocks down, I wouldn't have known I had to evacuate."___Associated Press writers Janie Har and Olga R. Rodriguez in San Francisco, Amy Taxin in Santa Ana, California and Andrew Selsky in Salem, Oregon, also contributed to this report. 3778

Members of the Ottawa Senators were caught on camera slamming one of their coaches while they were in the Phoenix area to face the Arizona Coyotes last week, the Ottawa Sun reported Monday.During the video, Senators players made derogatory comments about an assistant coach during an Uber ride in the Valley. The conversation was being recorded, presumably by the Uber driver and without the knowledge of any of the players.Forward Matt Duchene, defenseman Chris Wideman, center Chris Tierney, defenseman Thomas Chabot, defenseman Dylan DeMelo, forward Colin White and forward Alex Formenton were in the vehicle during the conversation in question. The video lasts a total of five minutes.During the video, the players made comments about Senators assistant coach Martin Raymond, questioning the effectiveness of his coaching and his meetings to discuss strategy. “Do you notice that when he runs the video, if you actually do pay attention, he doesn’t ever teach you anything? He just commentates what’s happening," Wideman said.“Here’s the other thing, too. We don’t change anything, ever. So why do we even have a meeting? I haven’t paid attention in three weeks," Duchene said.In response to the video, the players seen in the video issued the following statement Monday night:"We want to apologize publicly to Marty Raymond, our teammates and coaches for our comments in Phoenix, Arizona on October 29. Our private conversation was recorded without our knowledge or consent. We're passionate about our team, and focusing on growing together. We are grateful for the support of our fans and organization. This is an important learning experience, and we will do better."In addition, Senators head coach Guy Boucher issued the following statement:"Nothing is more important to us during this rebuild than making sure our players and coaches are fully committed to our plan, our values and our system of play. We have every confidence in Marty Raymond's coaching; in the effort and determination of our team; and in the sincerity of our players' apology. We are now treating this as a team matter, and will be making no further comment to the media."The video was posted on YouTube and Twitter last weekend before being removed, but the Ottawa Citizen has since reposted the video. It appears the Uber driver may also be in some trouble, as Rob Khazzam, general manager of Uber Canada, said the following via Twitter on Monday evening:"A video was released by the media today of several Uber passengers being filmed without their consent while having a private discussion during a trip in Phoenix. This is a clear violation of our terms of service and we worked vigorously to investigate this issue. Filming or recording passengers without their consent is totally unacceptable and if reported / detected we will investigate + take action to preserve our communities privacy and integrity. In this specific case, we made efforts to have the video taken down."Warning: This video contains strong language.The Coyotes defeated the Senators 5-1 on Oct. 30. 3148

Lumber stocks are at a historic high. We haven't seen these numbers since the 2008 housing boom and then crash. Experts say that's in part because of the housing market and record low mortgage rates.2020, the unprecedented year where nothing goes as expected, has brought us what realtors call a "sellers' market"."There’s plenty of buyers in the marketplace, but not enough supply so what we are seeing is multiple offers happening frequently on mid-price homes. So heavy competition in the marketplace.” Dr. Lawrence Yun, chief economist for the National Association of Realtors, said.The country's largest trade organization has 1.4 million members who help people buy and sell homes. Dr. Yun says the nation's housing market has even surpassed pre-pandemic sales. He attributes a lot of that to low mortgage rates and people realizing that working from home means they need more room.“Because of the strong demand for housing and we have a shortage of homes in the marketplace, so whatever home builders build, they can find a buyer so they build more homes. But one of the constraints is lack of construction workers along with the material cost that goes into construction, such as lumber,” says Dr. Yun, who also pointed out the country's underproduction.“Home builders have been producing below historical average for 10 straight years and the cumulative effect of underproduction is we don’t have sufficient inventory and that is the reason why home prices are rising and we need to build more homes to get into balance,” added Dr. Yun.Which is why, Laura Gonzalez, associate professor of Finance at California State University Long Beach, says we're experiencing a supply and demand situation when it comes to wood.“We just don’t have enough wood,” Gonzalez said. “It's difficult to make it ready and then transport it because of the pandemic. It's not that the industry is changing its just that we have had a shift both in supply and demand.”Gonzalez also says it's the basic equation of high demand meaning lower supply, which sends prices up and stocks soaring. Then there's the factor of where our wood comes from. She says, “We import some of our lumber from Canada both from lumber and other products. If we depend on other nations, we are more susceptible to changes in supply.”So, what comes next?“The issue of supply versus demand is going to correct in two years, but the opportunities for climate finance are ongoing that is not going to finish,” Gonzalez said.Which is why Dr. Yun says home prices will hold firm, and if you're waiting for a ‘burst’ or for prices to decrease, you might be waiting a while.“In future years, mortgage rate will certainly rise and that will choke off some of the demand, but hopefully we have adequate supply so we have a more balanced market condition where prices rise in manageable, 3-4% each year and people will feel comfortable at that rate of price appreciation,” says Dr. Yun.Dr. Yun recommends if you want or need to buy, don't overstretch your budget as the competition is fierce out there. If you want to sell, don't get greedy and overprice because your home will get stuck on the market. It's yet another aspect to this odd year that has brough the unexpected to us all. 3245