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If you're on the hunt for a bike rack and can't find one, you're not alone. Bike racks are currently low stock, out of stock or backordered as bike sales soar amid the novel coronavirus pandemic.High demand for bike racks and installation is putting it lightly.“U-Haul is the number one installer of after-market hitches in the entire U.S., so we’ve got a hitch professional installing hitches, bike racks, trailer hitches, just about everything else you can imagine at almost all of our 2,000 company-owned stores, said Jeff Lockridge, with U-Haul International.“There’s enough customers asking for them to where the primary manufacturers have a backlog and that was the very reason that our hitch manager decided to expand our product line and go out and sign up more bike rack manufacturers to make sure we’ve got product quicker.”In fact, so many people want bike racks and hitches, June 2020 saw the biggest sales month in U-Haul’s 75-year history. Those June sales broke the May sales, which were also record-high. It also sent the U-Haul sales team looking for more companies to deliver more product.“We are understandably handcuffed a little bit by how quickly manufacturers can get product to us so that we can take care of our customers because people are wanting to get out and ride their bikes now,” Lockridge said.They expanded and now offering racks from 15 different companies.Also in high demand: U-Haul’s "contactless" system.“They can rent a truck, pick it up, entirely on their cell phone without having contact with our team members,” explained Lockridge. 1583

IMPERIAL BEACH, Calif. (KGTV) - Organizers of the Imperial Beach Sun and Sea Festival say they're ready to go this year, despite a recent sewage spill from Tijuana."It's always on my mind," says Co-Chair Shirley Nakawatase. "I think it's an ongoing situation that we have at the beach."Nakawatase says the spill shouldn't impact the festival, because they only use ocean water for the sandcastle competition. If the water is considered unsafe, they can use fresh water purchased from Cal-Am."We're going to request daily testing to make sure the bacteria count is low," she says, noting that testing will begin on the Monday before the festival.A recent sewage spill dumped 3.5 million gallons of sewage into the ocean south of Imperial Beach, prompting a full closure of the coast in the area. So far this year, Imperial Beach has lost 50 days of beach time because of sewage-contaminated water.RELATED: Imperial Beach Coastline closed due to runoffThe Sun and Sea Festival brings thousands to Imperial Beach every summer for a day of sandcastle competition, concerts, food and more.This year's festival will be on July 13th. The theme is "Under the Sea.""It can just make people smile," says Co-Chair Leah Goodwin. "If you spend the whole day at the beach and give people a memory, that takes you away from some of the craziness. That's why we do this."As for the sewage concerns, Nakawatase says people don't need to worry."Nothing's going to spoil the party," she says. 1481

In a newly released documentary that debuted during the Rome Film Festival, Pope Francis made a statement supporting same-sex civil unions, the first pontiff to take that stance.“Homosexual people have the right to be in a family. They are children of God,” Francis said in one of his sit-down interviews for the film called “Francesco.” He went on to say “You can't kick someone out of a family, nor make their life miserable for this. What we have to have is a civil union law; that way they are legally covered.”Patrick Ambrosio, a leader in the San Diego gay and catholic community, said hearing this news feels like a step in the right direction.“In my Catholic faith, I’ve had a lot of struggles. I’m still blessed to know I still have a lot of support from my fellow catholics that are still supporting openly gay people like myself after all these year,” said Ambrosio.While the statement is a first and could create change in some parts of the world, Kevin Eckery, spokesperson for the Catholic Diocese of San Diego, said it won’t change anything in California.“Marriage is two different aspects. You’ve got the legal aspect which is we’ve got a marriage license from the state of California. And the religious aspect,” said Eckery.The Pope’s message addressed civil unions, not the sacrament of marriage, which has to be between a man and a woman. This will not change. Eckery added that the Pope has a history of making comments of support toward the gay community, so this is nothing new.“Nothing is changing about sacramental marriage and marriage within the Church. It’s just his way of reflecting on the laws surrounding marriage and the dignity of the individual,” said Eckery.For Ambrosio, it might not be a direct change locally, but it’s a step in the right direction. He hopes same-sex couples will someday be able to participate in the sacrament of marriage.“Seeing this on the news today is such a great exposé for the civil liberty, the civil union because it’s the first step to getting to that stage,” said Ambrosio. 2049

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 Maria caused an estimated 2,975 deaths in Puerto Rico, according to a new report from George Washington University -- 46 times more than the official toll given by the government.Researchers calculated excess deaths that occurred in the US commonwealth between September 2017 and February 2018.The study was commissioned by the Puerto Rican government after the September 2017 storm.The latest estimated death toll is far higher than the current official toll of 64.A key unanswered question: Will the Puerto Rican government now revise its official tally as a result?Another uncertainty: Will this new study, conducted at the request of Puerto Rican officials, provide any closure to families who've long argued their loved ones died because of the storm, but haven't received any official acknowledgment? 824