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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

Doctors are concerned seasonal affective disorder, also referred to as SAD or "the winter blues," could be a lot more prominent this year due to the coronavirus pandemic.“It is going to be more challenging this year than others, certainly going through all the stress we’ve been dealing with during this global pandemic,” said Dr. Eric French, a psychiatrist with the HealthONE Behavioral Health and Wellness Center.SAD is a form of depression brought on by multiple factors, including less daylight and more time indoors.It can be treated with a number of therapies and medications, but even that looks different because of the pandemic.“But certainly, Zoom calls might not feel as personal as a visit, but quite frankly, it works and it’s certainly a lot better than isolating,” said French.French says telehealth works, as does group therapy, light therapy and sticking to a strict schedule.“We want people planning their day instead of just kind of hibernating and ending up in their pajamas on their couch and not taking care of themselves,” said French.He says that historically, October is one of the busier months for adult behavioral health.They are experiencing a surge in hospitalized patients due to the pandemic, in part because substance abuse and suicide attempts are up.French also says avoid marijuana and alcohol to deal with anxiety or depression. Instead, focus on getting outside, eating right, sleeping well and staying socially connected. 1469

Dozens of wildfires are burning throughout California in August as news is emerging that a wildfire burning in Northern California is the largest in state history. The fires burning a few miles apart, known as the Mendocino Complex, started on July 27 and now encompasses an area the size of Los Angeles. 2018 also marks the second straight year California has recorded the state's largest wildfire following the Thomas Fire in 2017. A fire that began Monday is also spreading quickly in Orange County. Known as the Holy Fire, the blaze is tearing through fuel that has been accumulating for 40 years. Currently, nearly 30 wildfires are burning throughout California. Scroll through the map below for more information on each fire:  765

EL CAJON (CNS) - A man who barged onto a school bus full of children in Campo and pulled a knife on the driver pleaded guilty to assault with a deadly weapon and misdemeanor child endangerment on Thursday.Matthew Douglas Barker, 37, is scheduled to be sentenced Jan. 22.El Cajon Superior Court Judge Robert Amador said he would likely suspend a 6-year prison term and sentence Barker to a year in jail, then order suspend a 6-year prison term and sentence Barker to a year in jail, then order him released to a long-term residential facility while on felony probation.Sheriff's officials said the school bus was pulling away from a stop in the 900 block of Jeb Stuart Road in Campo when the driver noticed a man running toward it about 8:30 a.m. on May 25.RELATED: Good Samaritans wrestle armed man off school bus filled with Campo Elementary studentsThinking the approaching pedestrian was a parent trying to stop the bus for a child who had missed it, the driver pulled to a stop and opened the front door of the coach, sheriff's Sgt. William Uelen said.Barker then began to board the vehicle, which was full of Campo Elementary School students, prompting the driver to inform him that he was not allowed to do so. When the intruder refused to stop, the driver tried to physically block him from getting into the passenger area, Uelen said.Seeing the two men fighting, a grandmother of one of the students hurried aboard to try to help the driver. As the struggle between the three escalated, the assailant pulled a knife, Uelen said.At that point, a second bystander entered the bus and intervened.After a scuffle, he was able to pry the weapon away from Barker and pull him off the bus.Meanwhile, an older student ushered the other children to the back of the vehicle, called out for help to some parents who were still nearby and helped the young students get out of the bus through a back door and rear windows.Arriving deputies arrested Barker, a Campo resident, without further incident. No injuries were reported.Barker was not on drugs, but surveillance video on the bus showed that he was not in his right state of mind, said Deputy District Attorney Taren Brast. 2182

Do you have an iPhone? There's a lot of confusion these days over its COVID-19 tracking feature.Some people want it, some don't, and a lot of us are just plain confused.Yes, it's true: Apple's iOS 13.5 update over the summer added a COVID tracking feature to your iPhone.But that doesn't mean the government is spying on you, according to both Apple and reports in the tech blogs ZDNet and 9 to 5 Mac.You will need to activate the system with help from a local health department.You can find it by going Settings > Privacy > Health.Once in Health, look for COVID-19 exposure logging. It explains that an "authorized app is required" to turn the feature on. (9 to 5 Mac has more detailed instructions)Is Apple secretly tracking you?But from the doesn't that stink file, fears that Apple is secretly tracking you for exposure to the coronavirus.First of all, if your location services are "on," your phone keeps a record of everywhere you have been. That is not new, and has been an issue for years. But there is no truth to rumors that Apple -- or the government -- is checking to see if you are near people infected with the coronavirus.You have to turn the feature on for that to happen.And people with the virus would have to turn on the feature too.No smartphone can simply sniff out the virus out of the air. If so, they could warn us if we are near someone infected (now THAT would be a great feature).Bottom line: No one is tracking your iPhone for COVID exposure, unless you want them to.As always, don't waste your money.______________________________Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps").Like" John Matarese Money on FacebookFollow John on Instagram @johnmataresemoneyFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com 1857