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Icelandair Group has announced plans to buy rival budget airline WOW air for about million, the company announced Monday.WOW air was previously a competitor to Icelandair as it boasted flights as low as , making it an attractive option for budget travelers.The two flight carriers will continue to operate under their different brand names.  376

House Democrats overwhelmingly picked Nancy Pelosi to be their nominee for House speaker on Wednesday at a closed-door meeting, bringing the long-time Democratic leader one step closer to reclaiming the gavel when Democrats take control of the House of Representatives in the new year.Pelosi was nominated as speaker by House Democrats by a 203-32 vote, according to attendees in the room. Three ballots were blank. One was absent.A small, but vocal, faction of Democrats have been attempting to derail Pelosi's run for speaker, but she has succeeded in winning over a number of critics in recent days and was expected to easily win the nomination since it required only a majority of House Democrats. The make-or-break moment for Pelosi isn't expected to come until January, when the full House holds a final floor vote to elect the speaker.House Democrats are also holding elections on Wednesday for positions lower in the leadership hierarchy.The first election to be decided was for the position of Democratic caucus chair. Rep. Hakeem Jeffries of New York was elected to the post, making him the No. 5-ranked Democrat next Congress. The vote was close, 123-113. He defeated Rep. Barbara Lee, who would have been the first African-American woman in Democratic leadership.At 48, Jeffries is relatively young compared to the rest of the caucus and a rising star in the Democratic Party. Winning the position of caucus chair will elevate him further in the party's hierarchy and give him an opportunity to wield more power and influence. With Rep. Jim Clyburn's expected ascent to the majority whip position, Jeffries' win means that two of the top five leadership positions in the Democratic caucus will be held by African-American members.Lee, who is 72, said on Wednesday that she felt there were "institutional barriers" in her way."You feel some disappointment only with the institutional barriers that I recognized that were out there during this campaign. I'm really disappointed in that, knowing this was an uphill battle," she said.Asked if she felt ageism and sexism were at place, Lee said yes. "You heard and saw what took place, so absolutely, I think that is the case," she said."We still have many glass ceilings to break," she added.Speaking to reporters after winning his election, Jeffries said he wanted to thank Lee "for her tremendous service to this nation" and characterized the race very differently: "From the very beginning through the very end, this was a friendly contest of ideas."The elections are currently ongoing at the Capitol and will continue throughout the day.Inside the room where Democrats are voting, Rep. Joe Crowley, the outgoing caucus chair who lost his primary to incoming freshman lawmaker Alexandria Ocasio-Cortez in an upset, sang an Irish ballad to the House Democratic Caucus, two members present told CNN. The caucus gave him a standing ovation. 2906

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

Imagine arriving at the checkout line to use a gift card, only to realize the card is empty. It's the latest way scammers are hitting consumers, and it’s happening frequently.Now, one woman is suing Walmart over it.Although the company is not behind the scam, the woman claims Walmart is not doing enough to prevent these scams from happening. 351

I have asked Superintendent Hampton, Sheriff Reese, and Chief Lovell to review any alleged incidents involving officers from each of their agencies during joint operations last night.— Governor Kate Brown (@OregonGovBrown) September 28, 2020 249