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In 2020, buying or selling a home has become quite tricky. Experts in the real estate industry are seeing a new trend: purchasing homes without ever stepping foot in them. "We've found ourselves in a really, really interesting situation right now with coronavirus. And also, dealing with a super low inventory across the country," said David Lewis, a realtor in the Atlanta area. Lewis says for those who are relocating, COVID-19 wariness may prevent potential buyers from seeing a property in person. Plus, traveling can be difficult right now."A lot of times, some of them we’re videoing the home for them and some of them are just looking at the pictures and submitting blind offers and just hoping, trusting us to give them a little bit of guidance and also making sure the inspections and things are in line to offer that level of protection," said Lewis.Experts say, when buying virtually, a good home inspection is a must. "It should catch most everything. Now remember, a home inspection is a visual inspection. We’re not allowed to take siding off a house, we see trim damage then that's what we see. We can’t take a look between that wall," said Donny Williams, the Director of Business Development and Marketing for All Atlanta AmeriSpec.Overall, he doesn't recommend buying a home without going inside it first, but he and many other inspectors at his company are seeing it more often now. "I was actually surprised the number of times it actually happened. The guys could remember seven to 15 times each. Times that by 18 guys and that's a lot," said Williams.Before the pandemic, Williams says he rarely would see people purchase homes sight unseen. But as long as contracting the coronavirus is a concern, home buying virtually could be here to stay. Just know that if you are thinking of buying a home this way, there are things a realtor won't be able to fully give their opinions on, such as the neighborhood."That's something that is always largely on the purchaser. There’s several laws and regulations around what a real estate professional can share and information they can give on a neighborhood. So, a lot of times that's always up to the consumer, anyways, right, to get a good feel for the neighborhood or understand the dynamics or school or surrounding area," said Lewis.Overall, make sure before you swipe right to buy a home, meet it first, if at all possible. Having a realtor and inspector you trust is key. Though, what they won't be able to help you with is if the house feels like your home. 2535

In a rare move, the Senate on Wednesday night voted to change longstanding rules to allow newborns?-- for the first time -- onto the Senate floor during votes.The rule change, voted through by unanimous consent, was done to accommodate senators with newborn babies, allowing them now to be able to bring a child under 1 year old onto the Senate floor and breastfeed them during votes.Illinois Sen. Tammy Duckworth, who gave birth this month to her second child, becoming the first US Senator to do so while in office, spearheaded the push for the rule change and applauded her fellow lawmakers who she says helped to "bring the Senate into the 21st Century by recognizing that sometimes new parents also have responsibilities at work.""By ensuring that no Senator will be prevented from performing their constitutional responsibilities simply because they have a young child, the Senate is leading by example and sending the important message that working parents everywhere deserve family-friendly workplace policies," Duckworth said in a statement after the vote.Duckworth decided to take her maternity leave in Washington, DC, rather than in Illinois, to be able to be on hand and available to cast her vote in the Senate if needed. But she expressed concern about the complex and strict Senate rules, which might impact her ability to do so while caring for -- and breastfeeding -- her newborn.There are a whole host of Senate rules that would make voting difficult for a senator while caring for her baby -- being unable to hand the baby off to a staffer, being unable to bring a child onto the floor and being unable to vote via proxy.Duckworth has been working behind the scenes for months to change the rules -- the likes of which have not been changed for quite some time. The last time the Senate granted additional floor privileges was in 1977 when it voted to change Senate rules to allow service dogs.The change was not done without some concern from some senators.Congressional aides tell CNN that there were many real questions from senators, expressing concern about the impact of opening the floor up to newborns. Sen. Amy Klobuchar, a Minnesota Democrat, said that the questions from other senators varied, from asking whether diapers will be changed on the Senate floor to questions if there should be a dress code for the baby on the floor."It's been quite a journey," Klobuchar told CNN of her help as the top Democratic member of the Senate Rules Committee, working with Chairman Roy Blunt of Missouri to get this out of quickly and onto the Senate floor."The Senate is steeped in tradition and just like the rest of the country, sometimes things have to change," she said.After the rule change passed this evening Sen. Dick Durbin, the second ranking Democrat in the chamber, said he thinks the change will be a welcome improvement to the floor."Perhaps the cry of a baby will shock the Senate at times into speaking out and even crying out on the issues that confront our nation and the world," Durbin said. 3049

In August, a male cub born to panda Mei Xiang at the Smithsonian National Zoo recently got his 3-month check-up.The cub has remained nameless, so now the zoo in our nation’s capital needs help naming the little guy.Until Nov. 20, the public can vote on one of four Mandarin Chinese names on the zoo’s website.The names are Fu Zai, which is Mandarin for “prosperous boy”; Xiao Qi Ji, or “little miracle”; Xing Fu, or “happy and prosperous”; and Zai Zai, a Mandarin Chinese nickname for a boy.Pronunciations for each name are available on the site via audio files. 570

HUDSON, Fla. — The online ad for NBEE TV makes big promises, like “our smart box will bring every movie, every tv show that’s ever been made, plus live sports with no blackouts.”The ad also promises “no monthly fees ever.”The Pasco Sheriff’s Office says NBEE TV, owned by Mickael Cantrell and Nancy Major, was selling these boxes out in the open.They cost between 0 and 0 and are modified to illegally stream all kinds of content.“This is someone blatantly on the side of the road just selling them, with signage, a store front; advertising on the internet with a website,” said Detective Darren Hill.Video piracy is a multi-billion dollar problem for the entertainment industry.And there are countless ways people are downloading illegally.It’s often a cat and mouse game to catch those responsible.But in this case, Hill found a statute that applied and checked with the State Attorney’s Office to make sure an arrest would stick.He also worked with the Motion Picture Association of America after seeing first run movies streamed through this box.“We saw that it had 'Black Panther', 'The Shape Of Water', 'Jumanji' was on there as well. Whenever someone steals that content and disseminates it for free, it usually results in higher prices for everyone else,” he saidHill said some people who bought these boxes have already turned them in as evidence. They aren’t being charged with a crime.He said if you have one, you should do the same, because the stream will likely be shut down soon.The Sheriff’s Office found the couple with about 50 of the boxes. The store in Hudson where the couple sold those devices is now shutdown. 1671

In a crisis, long-term planning may lose out to quick and dirty solutions — regardless of the consequences.As the pandemic and its economic fallout continues, more cash-strapped consumers could fall into this trap if the Great Recession is any indicator.A recent report by the Consumer Financial Protection Bureau found that from 2007 through 2010, debt settlements — which can be financially risky — increased. Meanwhile, credit counseling, a debt relief option that keeps consumers in good standing with their creditors, declined.Before you hit a moment of crisis decision-making, understand how to think through debt relief options.Why debt settlement isn’t all it’s marketed to beYou’ve probably heard the radio ads or maybe received a robocall promising a solution to your debt that can cut what you owe by 50% or more.Debt settlement claims are as lofty as the industry’s marketing budget. But these programs aren’t all they’re hyped up to be — and the ads gloss over the downsides.With debt settlement, you stop making payments to creditors and instead direct your money to the debt settlement company, which holds it in an escrow account. Then, typically after several months, the company contacts your creditors and haggles to cut a deal where the creditor accepts less than originally owed. This period of waiting between when you stop paying creditors and the debt is settled (which isn’t guaranteed) is where things can go awry.“There’s no free lunch,” says Glenn Downing, a Miami certified financial planner. “There really are some significant trade-offs with debt settlement. I’d try to make it a last resort.”Debt settlement risks include:Leaving yourself open to lawsuits: When you stop making payments to creditors and debts go delinquent, you can be sued by the original creditor or by a debt collector who purchases the debt. Until the debt is resolved, either through full payment, settlement or bankruptcy, you’re at risk of being sued.Owing a tax bill: The IRS considers any amount of debt settled as taxable income.Saving less than what was advertised: Debt settlement companies often take a fee of around 30% of your original debt balance. So even if you did settle for 50% of what you originally owed, you won’t come out as far ahead as you might expect after you pay the fee to the settlement company. Additionally, your debt can continue to grow when you stop making payments, as late fees and interest are added to your balance.Credit damage: Missing payments and defaulting on your debts are among the worst things you can do to your credit. These marks stay on your credit reports for around seven years and will make you look risky to future creditors, which can result in you not being approved for credit or having to pay higher interest rates.A better choice for long-term financial healthWhat if there was a way to roll multiple credit card payments into one, at a lower interest rate — while preserving your good standing with your creditors?That’s what nonprofit credit counseling agencies offer. These organizations have arrangements with many credit card companies that provide a lower interest rate in exchange for regular monthly payments over three to five years to resolve your debt.But many consumers aren’t aware of these benefits, according to a 2018 Harris Poll survey commissioned by Money Management International, a nonprofit credit counseling agency. It found that 62% of the 2,012 respondents didn’t know credit counseling can roll multiple credit card debts into one payment. And 73% weren’t aware that credit counseling offers lower interest rates on credit card debt.There are some drawbacks if you use a credit counseling agency’s debt management plan. You typically need a regular income to qualify, and if you miss a payment, the agreement can be dissolved, leaving you to manage on your own.But for the long-term health of your credit profile, credit counseling is the clear winner. This debt relief tool generally keeps consumers in good standing with creditors since they’re making good on their obligations. The only harm to their credit profile would come from closing credit accounts, which some agencies require.To find a reputable nonprofit credit counseling agency, look for one that has been certified by the National Foundation for Credit Counseling or the Financial Counseling Association of America.Know when a third option might be bestBefore choosing debt settlement or credit counseling, consider whether:You’re barely able to make regular debt payments.Your monthly debt payments — excluding student loans and housing costs — exceed 40% of your take-home pay.Your debt burden is interfering with your quality of life, for instance keeping you up at night.If so, you might want to consider bankruptcy. Although it’s been stigmatized, this debt relief tool can resolve what you owe faster than credit counseling or debt settlement. In addition, credit scores can start to rebound quickly in the months after filing.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletHow Credit Counseling Can Help YouDebt Settlement: How It Works and Risks You FaceWhen Bankruptcy Is the Best OptionSean Pyles is a writer at NerdWallet. Email: spyles@nerdwallet.com. Twitter: @SeanPyles. 5312

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