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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

Participating in a town hall discussion on Monday in the key battleground state of Florida, Joe Biden said he would implement a mandate of masks on federal property if elected president amid the coronavirus pandemic. The mandate would apply to places such as national buildings, Social Security offices and federal courthouses. Biden’s remarks stood in stark contrast with President Donald Trump, who made a point to remove his mask when he entered the White House on Monday after returning from the hospital. Trump is currently recovering from the coronavirus at the White House after a three-day stay at Walter Reed Medical Center.The primetime town hall featuring the former vice president was aired on NBC.Biden conceded that the president does not have the power to call for a nationwide mask mandate in all 50 states, but he would use the bully pulpit of the presidency to compel state and local leaders to enforce mask wearing in public spaces.“I would go out and I would call all of the governors to the White House, some probably wouldn’t come, and I would say… ‘take responsibility,’” Biden said. “Take responsibility and lay out the guidelines. One of the problems is this president said ‘I take no responsibility.’ Literally.“'It is not my responsibility.’ So if it is not his responsibility, he talked about this being like a time of war, we are under attack. As I said earlier, 200,000 plus have died, 50,000 plus a day are getting the virus (the average in recent days has been 40,000 per day), 1,000 per day or thereabout are dying, this is a national emergency.”Biden said that he was not surprised that Trump, his opponent in next month’s presidential election, was infected with the coronavirus.“Quite frankly, I wasn’t surprised,” Biden told NBC’s Lester Holt. “For the last three months, three times a week, I am on the telephone and on Zoom with some of the leading immunologists in the nation and they go through everything that is happening. So the idea that COVID does not spread in proximity when you don’t have a mask on and when you’re not socially distancing, when there are large groups of people, when your inside particularly, but even when you’re outside, that is not surprising.To watch the full town hall featuring Biden, click here. 2276

Outdoor equipment retailer REI announced they are looking to sell their brand new corporate headquarters in Washington, as they embrace working from home and remote work options.“The dramatic events of 2020 have challenged us to reexamine and rethink every aspect of our business and many of the assumptions of the past. That includes where and how we work,” said REI President and CEO Eric Artz, in a video call with employees Wednesday. “As a result, our new experience of 'headquarters' will be very different than the one we imagined more than four years ago.”The company’s headquarters is being built in the Seattle area, in Bellevue, and is roughly 400,000 square feet and sits on eight acres of land. Corporate staff was planning on moving in to the newly-completed building this summer, according to the Seattle Times. REI transitioned to nearly 100 percent remote work in early March for corporate staff. Washington reported some of the earliest cases of coronavirus in the country.Retail stores closed in March across the country and recently reopened.The company admits the sale will also benefit them financially. They cite safety and preventative measures retail stores and the company have taken during the pandemic, in addition to slower sales with the temporary closure of stores.Artz and the board of directors have taken paycuts and in July, REI announced a 5 percent reduction in staff.REI says they will embrace remote work as an “engrained, supported, and normalized model for headquarters employees, offering flexibility for more employees to live and work outside of the Puget Sound region and shrinking the co-op’s carbon footprint.” 1665

Our very own Zach n Cheese just popped the biggest question @YellowstoneNPS and she said yes!! ?? We’re not crying, you are! ??If you have something big planned, the @Wienermobile wants to help. Go to https://t.co/1DD0oAxPcO to request our memory on wheels for your big moment. pic.twitter.com/ww8bdjPh9Z— Oscar Mayer (@oscarmayer) September 9, 2020 357

Our staff at Little Caesars Arena is committed to providing a first-class guest service experience and we appreciate our guests’ feedback. We spoke with the guest and satisfied a concern regarding the admittance of breast pumps from last Friday’s Ariana Grande concert. Little Caesars Arena has a policy that allows guests to bring breast pumps and other medical equipment into the venue, and provides a Mothers Room, located on the concourse for use by nursing mothers. This policy has been reinforced with the guest service staff to avoid any future misinterpretations. 579