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If you're a pet owner, you know your furry friend can be expensive, especially when it comes to their medical bills. Last year, Americans spent billion at the vet. That's why more owners are now opting for pet insurance. But, is it worth it?"When you are presented with a ,000 bill for emergency surgery, you might only have to pay a couple hundred dollars," says Dr. Jessica Weeks, with BluePearl Veterinary Partner.   Routine care for a dog can be on average 7, and for cats, it’s around 2, according to the American Pet Product Association.  "Most people aren't prepared financially for those things that happen unexpectedly," says Dr. Weeks.Last year, there were 1.83 million pets insured, and experts say that number is climbing.   There are a few caveats with pet insurance, Dr. Weeks says. A majority of the plans do not cover shots and checkups. They only cover the big medical expenses, like treatments and surgery. Additionally, many plans will make you pay the bill in full and then they'll reimburse you after.   "There are similarities as far as pre-existing conditions,” says Dr. Weeks. “If your pet already has an illness and you try to get insurance, a lot of times insurance won't cover that."  That's why vets recommend you do your research. Dr. Weeks recommends owners with young pets get insurance.  As far as the best pet insurance goes, Consumer Watchdog’s top three picks include: Healthy Paws, Pet Plan and Embrace Pet Insurance.   "To be honest, when I have owners come in who have pet insurance, it's a huge relief on my part,” says Dr. Weeks. “So, I can offer standards of care of medicine and do the best that we can for those patients."  1756

IMPERIAL BEACH, Calif. (KGTV) — Days before South Bay locals head out to enjoy Fourth of July festivities, thousands of gallons of sewage flowed into the South Bay's coastline Tuesday.The runoff comes a week after millions of gallons of sewage flowed into Imperial Beach's coastline from the Tijuana River.The 858,000 gallons of untreated and treated sewage runoff came from Tijuana Tuesday, including flows from the ruptured Collector Poniente line, according to the U.S. Section of the International Boundary and Water Commission (IBWC).RELATED: IB coastline closed due to 3.5 million gallons of Tijuana sewage runoffSun and Sea Festival dealing with sewage spill in Imperial BeachThe same line dumped about 3.5 million gallons of sewage into the Tijuana River last week, prompting a full closure of the Imperial Beach coastline.IBWC says the Mexican Utility (CESPT) has been working on the broken line. Mexico's Pump Station CILA was not able to divert all of the flow from Tuesday in the Tijuana River Channel.The IB coastline remains closed from U.S.-Mexico border to the north end of the Tijuana Slough National Wildlife Refuge, according to the county's alert website. 1183

Images from Niagara Falls are going viral online, showing the stark difference in how Canadian and American companies and customers are handling social distancing guidance during the pandemic.The pictures and videos being shared compare two boats, one with a lot of people onboard and one with very few people onboard. The Canadian tour boats are seen with hardly any people onboard, while the American boats have people shoulder-to-shoulder. @samatha.1617 Niagara Falls, the Canadian boat versus the American boat ##maidofthemist ##canada ##niagarafalls ##fyp? Titanic - Titanic For those not familiar with the international site along the New York-Ontario border, on the American side is a company operating boat tours called Maid of the Mist which gives its passengers blue rain ponchos and on the Canadian side is Hornblower Cruises which gives their riders red ponchos.Maid of the Mist recently posted on Twitter thanking their customers for social distancing. 977

If you’re a potential homebuyer eyeing interest rates and real estate listings, you might be scratching your head. Mortgage rates are historically low, which means the cost of borrowing is cheap. However, home prices are up in all areas of the country, according to the most recent data from the National Association of Realtors.Whether you’re a first-time buyer on a budget or you have a large down payment and a high income, nobody wants to lose money on real estate.Unfortunately, there’s no simple answer to the question of whether to buy or not to buy. For one, real estate is local. So, although home values continue to rise in every region, there are unique differences among states, cities and even neighborhoods. But there are some indicators homebuyers can plug into their own personal situation that can help them get a better handle on how well current market conditions line up with their goals.Related: Compare Personalized Mortgage Rates From 6 LendersMortgage Rates Could Start Rising With a Coronavirus VaccineA big wake-up call for mortgage borrowers came Monday when Pfizer announced preliminary results indicating its Covid-19 vaccine candidate is highly effective, causing markets to surge. Following the announcement, 10-year Treasury yields and mortgage rates both shot up.If the U.S. government approves the Pfizer vaccine, mortgage rates likely will start to rise, experts predict. This would exacerbate an already expensive housing market.“If the vaccine is approved, I would expect Treasury bond yields to move above 1% by 2021,” says John Lonski, markets economist at Moody’s Analytics. Ten-year yields are currently below 0.90%. “A vaccine will lead to an upturn in economic activity and business activity. Even if the Fed keeps the federal funds target in the current range, yields will rise, which means mortgage rates will, too.”Lower rates means more buying power; however, the large gains in home values have canceled out monthly savings. In fact, comparing starter home prices in the fourth quarter of 2019 with current starter home prices and their respective mortgage rates, today’s buyers will pay slightly more in monthly payments but could save tens of thousands of dollars in total interest paid.Home Prices Are RisingMedian single-family home prices climbed in all 181 metropolitan statistical areas tracked by the National Association of Realtors (NAR), according to its latest report. The double-digit year-over-year gains were most prominent in the West (13.7%), followed by the Northeast (13.3%), the South (11.4%), and the Midwest (11.1%).Median home prices on existing single-family homes shot up to 3,500, 12% higher from this time last year. This means that home prices are growing four times as fast as median family income.“Favorable mortgage rates will continue to bring fresh buyers to the market,” said Lawrence Yun, chief economist at NAR. “However, the affordability situation will not improve even with low interest rates because housing prices are increasing much too fast.”A colossal 65% of the areas measured (117 areas out of 181) saw double-digit price growth year-over-year.Although there’s strong growth in both urban and suburban areas, the data shows that less densely populated places are still performing better than packed cities in terms of homes sales and values. But some economists warn that with a vaccine on the horizon, the economy will snap back quickly thanks to a strong foundation going into the pandemic and could leave some homeowners with buyer’s remorse.“People are frightened. They’re running out of cities and going to suburbs. This fear-driven demand for housing is dangerous,” says Lonski, the Moody’s economist. “What happens to housing when Covid-19 is behind us? A lot of people will discover that they paid a little too much for homes. Unless you absolutely have to move, you should take a cautious approach to buying a home right now.”Look to New Construction to Help Slow Home Price GainsHousing affordability has been an issue for a few years now as residential construction has lagged behind demand, creating an enormous imbalance in the market. At the beginning of 2020, construction was picking up but Covid pushed a pause button on activity.The good news is that new residential construction is beginning to ramp up again. In September, housing starts were up by 11% year-over-year. According to the recent Dodge Data & Analytics 2021 Construction Outlook, U.S. construction starts are projected to increase by 4% next year, to 1 billion.“Construction has recaptured some of the momentum it lost at the beginning of the year, so that will be good for inventory,” says Danielle Hale, chief economist at Realtor.com.Hale says that inventory is really the only thing that can hit the brakes on rapid price growth, discounting other possibilities like baby boomers downsizing and expanding the pool of inventory as a meaningful solution.“As far as boomers moving and downsizing, we haven’t seen a lot of that,” Hale says. “We expect the biggest help on the inventory side to come from new construction. It’s not going to be completely easy—there will still be affordability challenges. We don’t expect prices to decline; instead price growth will just slow and get in line with wages.”What Homebuyers Should Consider Before BuyingThe five-year rule is the first thing you should consider before buying, which is a general calculation that shows when you’ll break even from closing costs.If you plan on moving within five to seven years, you’ll likely lose money on the sale—unless home prices jump up dramatically, which is not something buyers should count on.For homebuyers who plan on staying in the home long-term, there’s more time to build equity and make up for those hefty closing costs, which can equal about 2% to 5% of the purchase price.“Don’t get carried away by the madness of crowds. In the back of your mind you should be asking yourself: ‘Can I sell this property, if I have to, without losing too much?,’” Lonski says.To determine whether you can truly afford the house, consider taxes, insurance and repairs, in addition to the cost of the mortgage, which will vary based on your credit score, the type of loan you take out and the amount you put down towards the purchase out of pocket.Leslie Tayne, founder and head attorney at Tayne Law Group in New York, advises buyers to keep expenses at 30% of your income.“For example, when an individual has enough savings for a 20% down payment (to avoid private mortgage insurance), the mortgage payment is no more than 28% of their monthly income, and they have a 700+ credit score, buying a house can be a good financial move,” Tayne says. “Buying makes sense, too, when the value of the home decreases or there is an opportunity to purchase a property that is below market value.”Related: Compare Personalized Mortgage Rates From 6 Lenders 6919

IMPERIAL BEACH, Calif. (KGTV) - An Imperial Beach family made a chilling discovery at home: a circular piece of glass cut perfectly from the window of a toddler's nursery while he and his mother were inside.Along Emory Street, something peculiar happened last Monday. Vanya found some needed extra gravel on his property, courtesy of some nearby construction workers."They told me the homeowner had given them permission," said Vanya. The problem? Vanya owns the home and never gave permission. Vanya believes the imposter came back two days later, while his wife and one-year-old son were home around noon.RELATED: MMA fighter takes down suspected home burglar"The way she describes it, it sounded just like glass being popped in," said Vanya.Vanya's wife raced up stairs. She thought her son had broken something, but he was asleep in the master bedroom. Meanwhile, the blinds in the nursery were closed, and she thought the sound may have come from a neighbor's home. Then on Sunday, with the blinds open, the family found it: a 5-inch-diameter perfect circle cut out from the nursery window. Inside, the window lock had been snapped off.RELATED: Couple wakes up to burglary, guns drawn    "Assuming they reached in and tried to get at that," said Vanya.Vanya is grateful the intruder didn't get in. Perhaps his wife unknowingly scared the person off. Vanya remains worried about the intruder's methods.    The burglar likely used a ladder to scale the 10-foot-tall roof, before pulling out a glass cutter. The roof tiles were found damaged.RELATED: Burglars steals family heirlooms, hurts family dog"Very calculated. It scared me. Intuitively, we know they've done this before and will do it again. What happens when they encounter someone's loved one? Would they run off or commit violence against them?" said Vanya.Vanya says the man who posed as the homeowner was in his white, in his 40s or 50s, balding and wearing an orange shirt. If you have any information on the case, you're urged to call the Imperial Beach Sheriff's station at 619-498-2400. 2099

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