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In another blow to its recovery efforts, an island-wide power outage left most of Puerto Rico in the dark, with only a fraction of residents regaining electricity by Wednesday night.The latest blackout prompted Gov. Ricardo Rossello to call on the Puerto Rico Electric Power Authority (PREPA) to cancel its contract with the subcontractor that caused the massive outage."I have suggested to the PREPA Board of Directors that they cancel the contract with the Cobra subcontractor who is directly responsible for this power outage," he said in a statement Wednesday.An excavator operated by D. Grimm, a subcontractor for Cobra Acquisitions, apparently caused the blackout, according to the authority. Workers had been removing a fallen tower when the machine got too close to an energized line and an electrical ground fault caused the outage, according to Mammoth Energy, Cobra's parent company.The same company was responsible for an outage that affected 870,000 customers after a tree fell on a power line last week, PREPA said."This is the second power failure that has affected the people of Puerto Rico in less than a week," Rossello said. "This incident denotes the need to transform PREPA into a cutting-edge, modern and robust corporation. This is another example of why Puerto Rico's energy infrastructure needs to incorporate new forms of power."As of 8 p.m. Wednesday, only 334,000 customers in the US commonwealth had electricity again, according to a tweet from PREPA. It also said via Twitter that it's working to restore service through the island. 1570

IMPERIAL BEACH, Calif. (KGTV) — A South Bay restaurant that has weathered coronavirus restrictions to stay open so far, says it’s now dealing with customers walking out on their bills.Dawn Morgan, of IB Forum Sports Bar & Grill, said the restaurant recently started requiring customers dining in at their temporary patio to place a credit card on hold after a recent string of customers skipping out on their tab.An issue made all the more disheartening after what they’ve gone through to keep their doors open.RELATED: Little Italy parklet, piazza get restaurant capacity up to 85 percent“We had three occur last week. It has been a relatively small percentage based on the amount of customers we serve daily. But for us we're a small business, family-owned and have a strong issue with people stealing, in general,” Morgan wrote in an email.Morgan said IB Forum was forced to layoff a large portion of staff when the pandemic first hit in March, giving out all of their perishable items to staff with the intention of being closed. But then take-out was cleared as an option by county health officials, allowing them to keep some staff.But she added that even on a modified menu, some days felt like the last for the restaurant.“Our push to remain open during some of the toughest days was the handful of employees who continued to come to work and a group of regulars who would call in orders, pick up high dollar gift cards or leave extremely generous tips to help support us,” says Morgan. “We couldn’t have done it without these great people.”RELATED: COVID-19 restrictions crushing coin-operated game industryWhen restaurants were cleared for modified indoor dining in May, the restaurant scrambled to get staff back. Many former employees chose not to return for various reasons.“Some of which included the fear of contracting the virus, the additional 0 a week for unemployment, we couldn’t blame them for not wanting to return,” she said. “We were very lucky to find a new group of employees that have meshed very well with our pre-COVID-19 staff.”With the state again modifying orders to outdoor operations only in July, what appeared to be another blow for IB Forum ended up playing to one of its strengths.“We have been very fortunate we are capable of providing several different outdoor seating arrangements,” says Morgan. “Several years ago, we added an outdoor patio on the parking lot side of the building and had just completed a new front patio just prior to COVID-19.”RELATED: What happens next? San Diego County eligible to fall off of California watch listMorgan said the increase in “dine and dashing” is recent, but since early July they’ve lost 0 in sales from eight tables. Not only a loss in sales but a loss in tips to staff working to make ends meet during the pandemic.“We have worked hard to be in the position we are in, our employees work incredibly hard and it’s disappointing for them to have to call us and report a walkout. Not only are they losing a tip but they also feel responsible for someone else’s poor judgment,” Morgan said.She says the majority of customers haven’t minded the new policy and customers can still pay in cash at the end of their meal. Servers also have been given discretion for patio tables not located in the temporary parking lot seating.“Our biggest takeaways from this whole experience is to continue to be flexible and thankful to be open and thriving," she said. "Throughout all this madness we’ve had such a dedicated staff. It amazes us how well they’ve adapted to constantly changing schedules, changing health orders, wearing face masks, they have been very diligent in reminding customers to also wear their masks and the additional physical footsteps involved in providing outdoor dining in the parking lot." 3802

In a small town in Utah, life moves at a slower pace, and social distancing there is easy.“I think it’s quiet,” said Kelton Wells. “I think it’s a beautiful valley and I just love it up here.”Wells owns Keystone Cabinets, where he employs 12 people, including Ned Miller.“I’ve lived here in the valley my whole life,” said Miller. “It’s fun because I can create what I consider works of art.”In a flurry of dust and noise, solid pieces of wood transform, all while people keep their distance.“We have a little bit better spacing here. We don’t have the close shoulder-to-shoulder contact that somebody would over there, Miller said as he motioned with his hand towards JBS Beef Plant.“I feel bad for the people who work there.”Meatpacking may be a world away from cabinetry, but in terms of distance, they are practically neighbors.In June, COVID-19 swept through the facility, infecting nearly 300 of its workers, but the facility stayed open.“Nobody was running around in panic, throwing picket signs up and wanting everybody to put a ‘C’ on their forehead down at the plant,” Miller said with a smile. “I didn’t get that type of a feeling for it.”They still don’t.“What comes will come and we’ll take it as it goes, I guess,” Well said with a shrug of the shoulders. “I don’t think a lot of people were super alarmed by it.”In a town where everyone knows someone who works at the facility, there is a feeling of “life must go on.”“I mean, we all got to survive. Our work has to get done so we do what we can to keep it going and keep people happy,” Wells said.The CDC set up shop for weeks at the health department, making sure people in this community stayed safe and JBS stayed open.“We’ve got a good plan going with JBS,” Josh Greer, with Bear River Health Department, said. “(JBS) has got great controls in place.”The people in Hyrum, Utah are not alone.JBS has had outbreaks at plants in Colorado, Kentucky, Minnesota, Nebraska, Texas and Wisconsin.“I think people are just trying to do the best they can,” Wells said.In Hyrum, the work will go on, whether it is with meat or with wood.In a place where people come to escape the noise of city life, it is hard to escape the question on everyone’s minds.“When will we return to normal and what is the new normal going to be?” Miller asked. 2304

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 Michael's trail of devastation now stretches from the Florida Panhandle, where it wiped out one coastal city and left others swimming in debris, to the Carolinas, where Michael weakened to tropical storm status but still triggered flash floods that turned roads into rivers.Six people are dead in the storm's path, and authorities fear the toll could climb higher as search-and-rescue efforts continue. The dead include four people in Florida, a child in Georgia and a man in North Carolina.PHOTOS: Hurricane Michael damageSo far, Coast Guard crews in Florida have rescued 40 people and assisted 232.Conditions remain precarious in hard hit areas, especially Mexico Beach, Florida, which Michael left in ruins. A councilwoman from there issued an urgent plea to anyone thinking of returning."Please don't come down," Linda Albrecht said. "The more people that return, it's just going to get in the way." 921