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In a scene that could be straight out of a children's book, around a ton of liquid chocolate flowed out of a factory and caked a street in a west German town on Monday.Firefighters said a storage tank overflowed at DreiMeister's chocolate factory in West?nnen, a suburb of the town of Werl, running out of the gates and solidifying on the chilly sidewalk."About a ton of chocolate ran out into the yard and from there onto the street, " a spokesman for the Werl fire brigade said in a statement. "A ten-square-meter choco-pancake formed," the statement added.Firefighters then worked to remove the chocolate, prying the "sweet danger with shovels and muscle power," the brigade wrote.DreiMeister's boss Markus Luckey told German newspaper Soester Anzeiger that if the spill happened closer to Christmas it "would have been a disaster."Luckey added that the factory would be back in action on Wednesday.According to the paper, around 25 firefighters were on scene to help with the clean-up.A specialist company was brought in to assist after the incident and the brigade assured locals that a chocolate-free Christmas would not be "imminent in Werl."The-CNN-Wire? & ? 2018 Cable News Network, Inc., a Time Warner Company. All rights reserved. 1253

ICYMI: The 2020 @ArmyNavyGame, presented by @USAA, will return to West Point for the first time since 1943.?? https://t.co/mdSCEyVfXc#GoArmy | #BeatNavy | #ArmyNavy pic.twitter.com/7405S9SIDG— Army Football (@ArmyWP_Football) October 23, 2020 250

However, it turns out that Hidalgo wasn't fired. According to Roman Stone Works, he returned to work two days after sharing the meme and then walked off the job on his own last Wednesday.Hidalgo confirms that happened, saying he went in after the text message because he wasn't entirely sure he was fired. However, he quit a few days after returning to work."With the bad blood, I didn't want to work there anymore," he said.Jan Jeffrey Rubenstein, a lawyer representing Roman Stone Works, says the company's owners have been receiving death threats at work and home. They say the backlash is unfair, especially when Hidalgo quit on his own."Roman Stoneworks and its owner and personnel have been subjected to significant monetary damage, as well as threats, profanity and harassment by phone and email," Rubenstein's statement read, in part. "Due to the backlash from these false claims, my client's webpage has had to be removed, and the individuals involved have been inundated with calls and emails.""I never meant for people to blow it up like that or spam their company or defame their name," Hidalgo explained.He might delete the post, but believes the "damage is done."Hidalgo is now waiting to hear if he will get a new job after an interview."Watch what you share sometimes because it could get you in trouble. It can look bad on you," Hidalgo added.Read the entire statement issued by Roman Stone Works' lawyer below. 1436

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

Hurricane Irma may be gone, but days of darkness and devastation are just beginning in Florida.Residents could go for days without power after the storm uprooted homes, trees and power lines, leaving 4.4 million customers without electricity statewide in simmering temperatures, officials said."Temperatures will be around 90 for many, especially central and southern Florida for the next several days," CNN meteorologist Taylor Ward said. "High humidity will make it feel like the low to mid-90s. While it isn't above normal, it's certainly warm and humid which is miserable without power." 599