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COVID-19 will continue to impact the housing market heading into 2021.If you're looking to buy, experts say the first few months of the year are the time to do it.A housing forecast out Wednesday from Realtor.com finds mortgage rates will stay low, but only for the first half of the year.“We expect mortgage rates to increase near 3.4% by the end of the year, which would in any other year be record lows, but following on the heels of 2020, 3.4% is up a bit, but still historically low broadly speaking,” said Danielle Hale, Chief Economist at Realtor.com.Home prices have gone up by double digit percentages over the last couple of months. Some of that is expected to slow down as mortgage rates go up.Realtor.com is forecasting just below a 6% increase in home prices for all of 2021, but affordability is going to be a growing concern.“The housing market has been historically challenging for first-time homebuyers, with prices rising as dramatically as they have in the second part of 2020, first-time homebuyers are seeing a bigger gap between what they need to bring to the market for a down payment and what existing homeowners have in the way of home equity to use to trade up,” said Hale.If you already own a home, you may be thinking about selling when you see what it's worth now.Sellers are expected to continue to have the upper hand throughout 2021, with more buyers than homes for sale.You may see more competition with home construction ramping up, leading to more options available.“For existing homeowners, in particular who want to stay up in their home, the fact that we have still low mortgage rates in 2021 creates opportunities for them to consider remodeling to make their home a more suitable place for them to age in place,” said Hale.Another trend that's expected to continue in 2021 is interest in the suburbs. People have been moving out of cities as they're working remotely. Hale says the rising home prices and higher interest rates in 2021 could drive this trend as well. 2014

CLAYTON, Mo. (AP) — St. Louis County’s top prosecutor announced Thursday afternoon he reached the same conclusion recently that the Department of Justice did years ago, that there is not enough evidence to charge a former officer in the fatal shooting of Michael Brown in Ferguson, Missouri. Prosecuting Attorney Wesley Bell's announcement could reopen old wounds amid a renewed and intense national conversation about racial injustice and the police treatment of minorities. Bell said his office's investigation did not exonerate the former officer, Darren Wilson. 574

Consider this. What would happen if there was a fire in your home and your smoke detectors didn't ring?An Elma, New York man is questioning how safe he was, with Kidde smoke detectors, having experienced that very situation.Roy Fedeson has lived in the same home for 35 years. He was out of town one weekend in February, working a manual labor job, when he got a call that the electrical wires coming from his house were arcing. 436

CORONADO, Calif. (KGTV) -- A man's peaceful visit to Coronado's Dog Beach turned into one of major concern when he saw boat debris lining the shore.Todd Tremelling feared the dogs and marine life would eat the materials. Tremelling was at Dog Beach over the weekend when he saw a boat stuck along the fence that separates the public part of the beach from Naval Air Station North Island.The boat is one of about a dozen abandoned boats that have washed ashore due to storms. On Saturday, he saw a crew from the base removing the boat with a backhoe."They were using the bucket to beat it into a million pieces, or probably 10 million," said Tremelling, who regularly takes his two dogs to the beach. When he returned on Sunday, he saw the shoreline was lined with boat debris, including wood paneling, fiber glass, and foam that lined the hull. Tremelling filled a bucket with the debris before an animal could eat it. "They need to do a better job," said Tremelling, of the removal. Sandy Duchac, a spokeswoman for Naval Air Station North Island, said crews follow strict procedures when removing the boats. "At the end of the day we do everything we can to remove the debris from the boats that people allow to come ashore," she said. "There's very little we can do about teh debris that ends up on the Coronado side."Duchac said the Navy has removed about a dozen boats that washed ashore after storms in the last year. It's almost impossible to identify the owners because the boats are often abandoned and the ownership information has been removed.It costs taxpayers about ,000 to remove each boat.  1646

City commissioners in Portland, Oregon, voted to cut nearly million from the Portland Police Bureau's budget in response to concerns about police brutality and racial injustice. The cuts approved Wednesday are part of a city budget passed by the commissioners with a 3-1 vote. The police budget had stood at about 0 million before the commission action. The money saved by eliminating the gun reduction violence team, school resource officers and transit officers will be redirected to social service programs.Portland is the latest city to cut police funding. Thousands of protesters have filled the streets nightly for three weeks following the police killing of George Floyd in Minneapolis.Two weeks ago, Minneapolis City Council voted to begin the process of dismantling its police department. The call to dismantle and defund police departments is among the reforms many activists as part of the Black Lives Matter movement have requested since Floyd's death. 980