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In 2015, Matthew Muncy, a father of four girls, was looking for work.“You go into the store and the kids, they’re wanting things, and you can’t give it to them,” he said. "Even so much as a candy bar could mean the difference between feeding them dinner or not."But the right job can be hard to find in Jackson County, Kentucky. The landscape is green with trees that scale up the mountains that shelter small cities like McKee, Kentucky from the hustle and bustle of the big cities.The entire county has one stoplight.“Great community, great people. I love it here,” said Keith Gabbard, CEO of Peoples Rural Telephone Cooperative.In this a population of fewer than 1,000 people, community means everything. It’s why Gabbard worked to bring hope to his neighbors, like Muncy.Gabbard brought fiber optic internet to the small city.“When you say fiber, people say, ‘cereal? What are you talking about?’” Gabbard recalled of what people thought when the idea first hit the area.Fiber optic internet is some of the fastest internet you can find.“Fine glass the size of a human hair that you send a light through,” he explained.In 2014, Gabbard's rural part of the Bluegrass State went from barely having any internet connection to now having some of the fastest internet in the country.“Think of the speed of light and how fast that is, that’s how I like to compare it,” Gabbard said. “Our Internet here is as good as New York City.”More than half of Americans say internet access has been essential during the novel coronavirus pandemic. However, according to 2016 figures, 39 percent of rural Americans lack access to broadband internet.The cost of bringing broadband to the Jackson County area wasn’t cheap. Gabbard says grants and loans covered most of the broadband network’s -million cost.But one of the biggest payoffs of the light-speed connection is opportunity.“We’re talking about people who have been working at a gas station before on minimum wage that are doing tech support for Apple from their home,” Gabbard said.Gabbard says the network has helped bring hundreds of jobs to the area.Muncy now works doing customer support for a major tech company.“If it wasn’t for the internet, I couldn’t do my job period,” he said.For him, the connection is to more than just the internet; it’s to a new life. 2320

If you're planning on voting with an absentee or mail-in ballot, chances are you feel pretty protected from COVID-19 while voting this year. But what if you're voting in-person? Experts weigh in on staying safe when heading to your polling place. The first piece of advice is to have a plan."The example I would give would be going to the grocery store. That's something that caused people a lot of anxiety when we first were dealing with the pandemic back in March, and I think for many of us, it’s becoming relatively routine. It's not how we shopped for groceries back in January but it's something that we’ve learned to do. I think voting can be the same," said Dr. Jay Varkey, an infectious disease doctor and Associate Professor at Emory University.Dr. Varkey says to know the COVID-19 transmission rates in your community, as well as your own personal risk, if you were to become infected with COVID-19."To give some specific examples, masking is absolute, and I would want to make sure that there is a universal mask mandate in place and not just those that are going to cast their votes but workers as well," said Dr. Varkey.Dr. Varkey says wearing a mask that has at least two layers and wearing it properly is key. Also, ensure your polling place allows you to socially distance from other voters. Dr. Varkey says standing more than 6 feet away from others is preferred. Also, it’s great if your polling place is keeping doors and windows open to increase airflow."The other thing, and I know this is hard to do, the more we can actually limit the amount of talking, or certainly yelling or singing or anything else going on, is the more we can reduce our chances of passing these infectious droplets that can aerosolize, and that tends to really occur when people are talking. Masks reduce that risk, but we can really reduce it more by, well, talking less," says Dr. Varkey.In Madison, Wisconsin, poll workers will be ensuring voters are socially-distanced and frequently disinfecting all voting booths, pens and other frequently touched items. City Clerk Maribeth Witzel-Behl has been working closely with their local health department."We will have plexiglass glass set up for stations where poll workers have to interact with voters within 6 feet of each other, and for other poll workers who are not at those stations, they’ll have access to face shields if they like," said Witzel-Behl.Poll workers are also being told to follow a strict set of health guidelines in order to volunteer."If they've had a fever within the last few days or taken a fever-reducing medication in the past few days, they can’t work at the poll. If they've had any COVID-19 symptoms or been exposed to someone with COVID-19 or had a cough within the past week they can’t work at the polls," said Witzel-Behl.So, do you need to bring a container of disinfecting wipes with you to the polls?"I put the priority first on the masks and keeping your distance but that last part on how to take a relatively safe activity, like voting and make it extra safe, there’s two things I would bring with me into the voting booth. One is my own pen the other is hand sanitizer," said Dr. Varkey. 3182

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

In a joint NFL-NFLPA memo to clubs, teams will, among other things, be required to have 6 feet of space between lockers upon re-opening pic.twitter.com/z7eVvhs9fQ— Jonathan Jones (@jjones9) June 8, 2020 210

In breaking with his administration's top expert on infectious disease, President Donald Trump said Tuesday that he believes that the U.S. is "in a good place" in the COVID-19 pandemic, according to CBS News and CNN.Trump reportedly made the comments in an interview with Greta Van Susteren, the chief political analyst for Gray Television."We've done a good job," Trump said. "I think we are going to be in two, three, four weeks, by the time we next speak, I think we're going to be in very good shape."Trump's comments came a week after Fauci, while testifying at a Senate hearing, called the current trend of rising cases "disturbing" and said he was concerned that some states were "skipping steps" on the process to reopening. In that same hearing, Fauci warned that confirmed cases of COVID-19 could rise to as many as 100,000 a day if current trends continued."Well, I think we are in a good place. I disagree with him," Trump said. "Dr. Fauci said don't wear masks and now he says wear them. And he said numerous things. Don't close off China. Don't ban China. I did it anyway. I didn't listen to my experts and I banned China. We would have been in much worse shape."On Tuesday — the same day Trump delivered those comments — 60,000 new cases of the coronavirus, a new daily record, were reported across the country, according to a Johns Hopkins database. Also on Tuesday, the Institute for Health Metrics and Evaluation at the University of Washington reported that hospital resource use throughout the U.S. was on the rise.Fauci and the Centers for Disease Control and Prevention (CDC) did initially advise against the use of masks when cases began to rise in the U.S. At the time, health officials were concerned that asking the general public to wear masks would decimate an already-depleted stockpile of personal protective equipment. But since early April, health officials have universally advocated for the use of masks for most in situations where social distancing could be difficult."We have to admit it, that that mixed message in the beginning, even though it was well-meant to allow masks to be available for health workers, that was detrimental in getting the message across," Fauci said in an interview with NPR earlier this month. "No doubt about it."Trump's full interview with Van Susteren will air on Sunday. 2346