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Buying a home has been part of the American dream for as long as we can remember, but as home prices rise and competition grows, that dream can be difficult to make a reality.However, things might be changing as new homes are being built specifically for renters, like Carole Goemans. Goemans made the decision to move back to Colorado from San Antonio to be close to family. “We lived there for 14 years and then my husband passed 2 and a half years ago and we have to make decisions,” said Goemans. “Colorado has changed a lot. I’ve lived here for many, many years, since I was 5 years old and I taught for 38 years. At that time, homes were a lot cheaper.”Enter Avilla Homes, a community full of homes built for renters, not for home buyers. "These are renters by choice," said Reed Ruck with Avilla. Ruck says folks like Goemans have all of the benefits of owning a house without the mortgage."Helping individuals find obtainable housing and not as expensive as a mortgage, but still provides a single family feel and living space," said Ruck. The struggle to afford a home is growing in America, especially in a fast growing state like Colorado where the average rent is ,300 a month, according to SmartAsset.When it comes to the monthly rent for Avilla Homes, Ruck says you can expect to pay slightly less or comparable to a mortgage in the same area.In Colorado, the average home costs 6,000, making a mortgage around ,500 a month, SmartAsset says.For someone like Goemans, who isn't in the market to buy a home, communities like Avilla provide the chance to live the American dream.“It’s luxury without a lot of bucks and that’s hard to find,” said Goemans. “As long as I can stay vertical and keep smiling, this is it.”Ruck says these communities are a growing trend across the country and there's another one in Phoenix. 1849

As the pandemic hits the economy hard, lenders and credit card issuers are offering payment modification programs such as forbearance and deferrals.The coronavirus relief package enacted March 27 requires that accounts that were in good standing before modification be reported as current as long as the consumer abides by the agreement.But for many consumers with federal student loans, relief over a 6-month automatic pause on payments turned into dismay as credit scores plummeted. Consumers complained on social media that their accounts were wrongly reported as delinquent or in non-payment status.That’s not how it was supposed to work, says credit expert John Ulzheimer, who has worked for credit bureau Equifax and scoring company FICO. He says student loan servicers are working to address problems, and he hasn’t heard of similar issues involving other types of lenders or credit card issuers.If your credit score drops, here’s how to diagnose what’s going on and what to do next.First, check your credit reportsWhether you have payment modifications or not, it’s a good idea to regularly check that your credit activity is being reported correctly.Through April 2021, consumers can access free credit reports weekly from each of the three major credit bureaus — Equifax, Experian and TransUnion — by 1323

An invasive fish species that can breathe air and survive on land has been found in Georgia for the first time. And officials are warning anyone who comes into contact with the species to kill it immediately.An angler 230

An upper floor of a South Korean nightclub collapsed early Saturday, killing two people and wounding 17 others, local media reported.The casualties in the incident, which took place in the Coyote Ugly club in the city of Gwangju, included athletes competing in the FINA World Aquatics Championships, according to South Korean news agency Yonhap.The two people killed were both South Koreans while the injured included four Americans, two New Zealanders, one Dutch, one Italian and one Brazilian, authorities told Yonhap. It said their injuries were not severe.The injured Americans were US water polo players, a statement from USA Water Polo said. They were celebrating the Women's National Team winning the FINA World Championship on Friday. None had life-threatening injuries.The internal structure collapsed around 2:30 a.m local time, according to a tweet by the South Korean Ministry of Public Administration and Security."Currently, police and fire departments are investigating the precise cause of the accident," the agency said.Gwangju is located about 270 miles south of Seoul. The city is hosting the 2019 International Swimming Federation (FINA) World Championships, which include water polo, diving, high diving, artistic swimming and open water.What caused the collapse?Authorities are investigating whether the loft collapsed due to the weight, Yonhap reported. Witnesses told the news agency there were about 100 people in the loft area at the time of the collapse.Matt Small, New Zealand men's water polo team captain, reported that he was on the second floor of the club when it collapsed. "We were just dancing and then the next minute we dropped," he told New Zealand's Radio Sport."We... fell on top of the heads of other people that were beneath us... Some of them were pretty dire cases."Kim Young-don, head of the Gwangju Seobu fire station, said at a briefing that there were around 370 inside the club at the time of the collapse. "We deem that the second level... seems to have collapsed because there were too many people on it," he said. "The second level is a small space, it's not a space where a lot of people can be."The accident comes just a day before the championships draw to a close as the city is teeming with hundreds of athletes from across the globe."As some Championships' participants were present at the moment of the accident, FINA is carefully monitoring the situation and will activate all measures to ensure health care and assistance is provided whenever necessary," FINA said in a statement.On Friday, the US Women's National Water Polo Team beat Spain, sealing their third world championship win in a row.Christopher Ramsey, CEO of USA Water Polo, described the incident as a tragedy. "Players from our men's and women's teams were celebrating the women's world championship victory when the collapse occurred," he said. "Our hearts go out to the victims and their families."Of the American athletes, Kaleigh Gilchrist had surgery for a "deep" cut to her left leg, the polo organization said. Paige Hauschild needed stitches on cuts to her right arm, Johnny Hooper needed them on his left hand, and Ben Hallock had minor scrapes on his legs.The team said in an earlier statement all American athletes were safe and accounted for."Our thoughts are with those involved," the organization said on 3358

An Egyptian soccer hero and a sporting legend who just completed an improbable comeback. The first woman to be speaker of the House and the youngest woman elected to Congress. Special Counsel Robert Mueller and President Donald Trump.Those are just some of the individuals selected for 298