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Plan to buy your first home in 2021? It’ll probably take months instead of weeks, and you might feel demoralized at times.That’s not negative thinking. It’s an acknowledgment that the road to homeownership has potholes. The journey can be bumpy, but the destination is worth it. When you know at the outset that you’re in for emotional highs and lows, it’s easier to shrug off those lows and keep on truckin’.Here’s why 2021 will be a rough year for first-time home buyers — and how to manage your emotions during the process.Why buying a home in 2021 will be toughThere aren’t enough homes for sale to meet demand. At the end of October, the most recent month with available data, 1.42 million existing homes were available for resale. At that month’s sales pace, it would take just 2.5 months to sell every home on the market — an all-time low, according to the National Association of Realtors. The supply of new homes for sale was enough for 3.3 months, tied with the previous month for a record low.Supply is low because buyers are pouncing whenever homes become available. Most existing homes sold in October — 7 in 10 — were on the market less than a month, according to the NAR.With a slender stock of homes selling fast, buyers have little power. “The control is in the seller’s hands because of supply and demand,” says Terri Robinson, a Realtor with Re/Max Select Properties in Ashburn, Virginia.Set realistic expectationsExpect months to elapse between the first step of checking your credit reports to the final step of closing on the home. “The first thing that I hope people understand is it’s not an overnight process,” says Marc J. Jenkins, a real estate agent with Prime Property Partners in Atlanta.Jenkins tells first-timer clients that it typically takes five to eight months to buy a home. Understanding that homebuying timeline “prepares them mentally, emotionally and financially to see this process through.” Would-be buyers are prone to burnout if they expect the process to take a month, he says.Everyone wants a bargain, but buyers need to recalibrate the meaning of that word so it applies to today’s competitive environment. “A bargain, if I were to redefine that, is the home that you want for the price that you’re willing to pay,” Robinson says.Know where you’ll compromiseMore than three-quarters of home buyers in their 20s and 30s made compromises, according to NAR’s 2020 Home Buyers and Sellers Generational Trends Report. The most common compromises had to do with the condition or price of the home.So before you start seriously looking at homes, decide what you need and what you won’t budge on. You may have a maximum price and commute time, a minimum size or other requirements. Those are your deal breakers. Write them down. Resist the temptation to compromise on deal breakers, even when you feel discouraged. For all else, keep an open mind.Make decisions fastIn today’s market, many homes are on the market for less than a month, so it’s important to make an offer quickly once you find one you like. Let your list of deal breakers be your guide. If a home meets your criteria, including an acceptable price, it may be worth making an offer. Again, quickly, because many sellers field multiple offers within a day or two of listing the home and planting a “for sale” sign in the yard.“Even as a first-time home buyer, they may have to make a quick decision whether or not to buy a home,” Robinson says. To have the offer taken seriously, have a preapproval letter from a lender and make a competitive offer, she adds.Don’t take rejection personallyWhen first-time buyers make offers, “they’re going to get rejected many times,” says Laura Moreno, host of the “First Time Home Buyer Podcast” and founder of a tech startup called HomeFlow that offers an all-in-one homebuying platform.As rejected offers pile up, they take it personally or feel worthless, Moreno says. “What I tell them is just breathe. It’s not a judgment against you.”You might get lucky and have your first offer accepted. But don’t count on it. Realize that for the seller, this is a business decision.Wait before you celebrateYour offer was accepted? Great! Just remember that the home inspection and lender’s appraisal are coming next, and either of them can knock the deal awry. The more excited you get about the seller giving your offer a thumbs-up, the more disappointed you’ll be if you have to give the deal a thumbs-down after the inspection or appraisal.Think about the seller’s needsYou’re focused on your own needs and problems. That’s understandable, but there’s a benefit to thinking about the seller’s needs, too.Jenkins advises making the offer attractive to the seller. That might mean keeping the inspection period short: maybe just three to five days, so the seller can put the home back on the market promptly if you’re dissatisfied with the inspection and decide to move on.Having a preapproval letter from a reputable mortgage lender, paying all of your own closing costs and paying some or all of your agent’s commission are other ways to meet the seller’s needs.Have a backup plan: Don’t buy yetAs fervently as you want to buy a house in 2021, your best option might be to wait until fortune favors you. By putting homebuying on hold for a few months, you give yourself time to save for a bigger down payment and build your credit, and for your local housing market to become less competitive.More From NerdWalletHow first-home shoppers can keep a cool head in a hot market4 market headwinds facing first-time home buyersThe credit score needed to buy a houseHolden Lewis writes for NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL. 5691

PARADISE, Calif. (KGTV) -- Pacific Gas and Electric could face murder or manslaughter charges if it were found responsible for starting the deadly Camp Fire, according to CNN. The company could face a range of criminal charges if any of the wildfires broke out as a result of improperly maintained power lines. Potential charges range from misdemeanors related to clearing vegetation around power lines to "homicide offenses like implied-malice murder and involuntary manslaughter."Attorney General Xavier Becerra has yet to come to a conclusion about the company’s responsibility in the recent fires. RELATED: New California law helps utilities with wildfire lawsuitsThe company responded by saying it’s determined to do everything it can to reduce wildfire risk: "PG&E's most important responsibility is public and workforce safety. Our focus continues to be on assessing our infrastructure to further enhance safety and helping our customers continue to recover and rebuild.”The company reported an outage on a transmission line where the fire started 15 minutes before the flames began to tear through the forest. This year, Governor Jerry Brown signed a measure allowing utilities to bill their customers for legal settlements stemming from the 2017 wildfires. The deadly Camp Fire started on November 8 and claimed at least 85 lives. PG&E provides electricity to about 16 million Californians. 1417

PITTSBURGH, Pa. - The University of Pittsburgh announced on Sunday that they'd issued a shelter-in-place order for students on its Pittsburgh campus due to a spike in positive COVID-19 cases on campus.The order, which was initially scheduled for Thursday, was moved up and went into effect at 12:01 a.m. on Monday."This action is being taken to respond to a significant increase in positive cases among students over the weekend," university officials said in a statement. "There have been at least 40 confirmed cases since Friday, which we suspect are linked to gatherings that took place over the Halloween weekend." 626

PHOENIX, Arizona — Cell phone video of a boy repeatedly punching a girl in a sixth-grade class at Alfred F. Garcia Elementary School in Phoenix has gone viral, and the mother of the victim is upset with the school for not contacting her after the beating. The 12-year-old girl who was punched did not want to show her face or give her name, but says a lot of kids in school have seen the video. "It's gotten to the point where it's so viral, that they've made memes about it," said the victim.The girl used to be friends with the boy who is seen punching her, but she claims she made a joke months ago about his sister. She says she feels the attack was planned and some kids pulled out their phones to record it.  "I looked at the phone, and I knew it was coming," said the victim. "That's why I didn't do anything about it."The victim says she didn't tell her mom because she didn't want her to worry. "It was hard telling her because I don't like seeing my mom cry," said the victim. "It hurts."But her mom, Antoinette Contreras saw it days later.  "It just feels like all my fears and worst thoughts happened," said Contreras. "They came true."Contreras says she is shocked the school never contacted her. She finally got through to the principal on Thursday. "My question to her was, 'Why did you not contact me?'" said Contreras. "This happened on Monday. It is now Thursday."And while she wants the boy to face consequences, more importantly, Contreras wants him to get help. "I come from, what we call the ghetto, south Phoenix," said Contreras. "A lot of times these kids are rejected. They're the rejects of the world. The outcasts. The misfits. They're the ones that no one cares about. Because the parents don't care about them at home. And the staff doesn't care about them at school. And no one on the streets cares about these kids."Contreras says she plans to pull all of her children out of the Murphy Elementary School District. She will also bring the issue to district officials and police. There is a new law that goes into effect next school year that requires school officials to notify parents after violent incidents.  2211

POINT LOMA, Calif. (KGTV) - A Girl Scout troop fundraiser is ruffling a few feathers in Point Loma, over a name that some people think is too risque for the girls.Troop 4920 started the "Get Flocked" project this spring, offering to cover people's yards in plastic flamingos for a donation."We took our name from the "Got Milk" campaign," says Troop Leader Cam Bowman. "So we were like, hey, let's do "Got Flocked?" Then we turned it to the present tense, 'Get Flocked.' "Bowman says someone complained to the local Girl Scout council that the name sounds too much like a profanity. She was surprised when she learned of the complaint."You know, I think that happens with everything in life," she says. "We're always going to have controversy. We have controversy when we sell cookies!"For their part, the scouts say they don't think the name has anything to do with a dirty word. They're having too much fun planting flamingos to think about that."You get in and get out," says Scout Elyse Bonar. "You don't want people to see you. That's kind of the whole point, be like ninjas."The girls ask for a donation to "flock" somebody's yard within their Troop's zip code boundaries. They'll also remove the flamingos if requested.They're trying to raise money to attend the annual ceremony in San Francisco where thousands of Junior Scouts walk across the Golden Gate Bridge together as they get promoted to Cadet Scouts. It's a symbolic coming of age moment for the girls.Elyse says working to raise the money for the trip, even with a fun flamingo project, has taught her a valuable life lesson."It's taught me how if you want to get something, don't quit, keep going and try your hardest to get your goal," she says.The "Get Flocked" project is one of several that Troop 4920 do over the year. The money they raise from cookie sales goes to local charities. They're also collecting used markers to send to Crayola for recycling.As for the controversy over the name, Bowman says the Girl Scout leaders left it up to her and the Troop to decide what to do. They chose to keep the project going forward, with the same name."We have to put those decisions back on the girls," she says. "Money-earning projects are hard. Cookie sales are hard. This is one thing where they have a great time, getting into the community, going out there and being silly in the process."For more information, or to make a donation, click here. 2432