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In a sea of graduation caps, how do you stand out? Increasingly, students are decorating their caps to showcase some part of their life.UNLV professor and folklorist Sheila Bock began studying trends behind graduation caps after she first arrived in Las Vegas in 2011. She began formally researching in 2015, taking photos from around the country and interviewing students on their graduation cap design choices."So one category is one of celebration and optimism and looking into the future, 'I did this', 'the best is yet to come', which isn't that surprising because that's kinda the whole point of the graduation ceremony," Bock said.Some examples include "Today is a perfect day to start living your dreams" or "Adventure is out there." While Bock said many celebrate "education as this stepping stone towards people's own individualized version of pursuing the American Dream," she also found a lot of examples of people pushing back against that story, rather by "Game of Loans" referencing college loan debt or highlighting the less positive aspects of their college experience. "Family relationships, whether they have kids, whether they have been dealing with a brain tumor, this is a space where students or graduates are really trying to highlight 'I did this' and here are the struggles I had to go through in order to get to this moment," Bock said, also noting that some students use the caps as a memorial to family and friends they've lost. But one thing she has noticed in the past few years is the caps have started to take more of a lean toward the political. Bock noted that there has been a long tradition of political themes, dating back to the 1960s and caps decorated with peace signs in reference to the Vietnam War. "It's not to say people weren't doing it before but I'm seeing it happen as a more widespread practice. People are asserting overtly political messages, like Black Lives Matter," she said. "Or making references to language from the political landscape, 'nevertheless she persisted.' Or calling attention to specific identities that have recently become very politicized, immigrant identities."Hashtags on social media, such as #Immigrad and #Latinxgrad, also inspire others of similar identities to create their own caps, Bock said."They want to use this space of the graduation ceremony, this space of celebration, this space to recognize accomplishment, to make themselves visible," she said. "To make these marginalized identities visible and say I'm in this space, I belong in this space and I want to make myself known."But what about students who decide not to decorate their caps? "The main reason is that people feel this sense of formality to the ceremony that they would like to keep intact," Bock said. "Oftentimes, it's not necessarily that they see other people decorating their cap that they're doing something wrong. They're saying I don't have something to say badly enough to put it on a cap and kind of disrupt the formality of the occasion."The majority of the caps Bock and her student assistants have documented so far are from UNLV, along with some from Ohio State University, where Bock received her graduate degrees. Bock approached the university's Center for Folklore Studies to create a digital archive of her materials.Officially titled “Decorated Mortarboards: Forms and Meanings,” the project invites participation through surveys, interviews, and social media posts with #gradcaptraditions.Bock emphasized any graduate, no matter when or where they graduated, is welcome to share their caps. More information can be found here. 3644

If you feel like you're working more since you've started working from home, you're probably not wrong.A study by Atlassian found that since April, our workdays have become longer. That's around the time many people started working remotely.On average in the United States, people worked about 30 minutes more. People start work earlier and wrap up later.A separate report by LinkedIn found more than a quarter of people are checking in on work during off-work hours.However, this isn't necessarily leading us to be more productive. Often, we're working longer days because we're getting distracted while we're at home.“Everything's getting pretty mushy, so what that looks like is Netflix might be happening at 2 o’clock in the afternoon or you might be doing laundry at 11, instead of being fully focused on your work during the day, and I do think that is creating working longer hours,” said Elizabeth Grace Saunders, a time management coach.Saunders says there are additional distractions now.For instance, if you're a parent, your child may be learning from home. Sometimes you need to step in to help them, which can take time away from your work. That's completely okay, as long as we're still managing our time efficiently.Another thing that's changed is we may not necessarily have something to look forward to after work.Happy hours and going to the movie theater with a friend aren't really happening, so we may feel less motivated to work throughout the day.These longer work hours are giving us less of a chance to recharge for the next day, so it's important that we draw the line between work life and home life.Saunders says to pick a time where you only work... And don't do things like personal chores or take long breaks.“Those work hours are times when I’m devoted to work, and I’m really focused, and I’m not getting other things. That gives you the freedom and flexibility to feel like, I got work done today, I got done what I needed to get done and I need to do something refreshing or recharging at night.”We can still create things to look forward to after work, like having a time where we call friends and family, or plan to do something else you enjoy like crafting. 2204

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

HOWARD COUNTY, Indiana — A Howard County sheriff's deputy in Indiana caught more than just the road ahead of his cruiser with his dash camera late Wednesday.According to the sheriff's department, Cpl. Christopher Cramer was on patrol on State Road 22 near County Road 600 East when his camera recorded the bright flash of a meteor entering and burning up in Earth's atmosphere.It was caught on camera around 11:44 p.m. Wednesday.Watch the video below: The meteor is part of the Geminid meteor shower.According to an article by Scientific American, it is expected to be the best meteor shower of the year. 622