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Economic uncertainty may be roiling the country right now, but that’s not stopping home sales. In some areas, like the suburbs of New York City, bidding wars are back. In July, one house in Orange, N.J. had 97 showings and 24 offers, according to the New York Times.That same month, .3 billion worth of residential real estate sold in the suburbs of Washington, D.C., according to the Washington Post, compared to .2 billion the year before—demonstrating just how much demand there is in some parts of the country. That demand has caused median home prices to spike. Prices in September are 13% higher than they were the same time last year, the largest increase since 2013, according to real estate listing firm Redfin.“We are seeing really interesting trends emerge from COVID that are causing demand to change to an all-time high at the same time that the supply of availability is at an all-time low,” says David J. Wilk, assistant professor of finance and director of the Real Estate Program at Temple University’s Fox School of Business.That means a lot of homes, especially those close to big cities, are suddenly worth a lot more. For homeowners, it’s an envious position: Their equity has bloomed. But what should they do with it? Here are three options.1. Sell Your HomePrices are high, so it’s time to sell, right? As with everything in real estate, it depends.Selling might be the right move for older homeowners who are looking to downsize to a smaller house, a condo or 55+ living. It also may be ideal for homeowners interested in moving to a lower-priced housing market—if the timing is right, and you absolutely know where you want to go.Dottie Herman, CEO of Douglas Elliman, a Manhattan brokerage firm, says it’s also not a bad time to cash out of the ‘burbs to make a city move if you’ve wanted to do so—especially to Manhattan, where sales were sluggish this spring and summer. “If you really love New York City and you believe as I do that it will come back, it’s a great time to buy in the city,” she says, adding that it might be another three to four years before prices rebound.Beware: Your New House Also May Cost MoreIf you want to stay in the same area, a jump in your home’s price most likely means the house you want has made the same leap.You can still consider trading up, especially if your lifestyle has changed because of the pandemic, and you anticipate it staying somewhat altered when we’re on the other side of it. That may mean more people in the house more of the time—and the need for the space to match. “If you can work from home and you don’t have to commute every day, then that drastically changes your decision matrix,” Wilk says.Falling Interest Rates Can Make a Move Make SensePlus, with interest rates for 30-year mortgages at record lows, getting a bigger mortgage now might make sense in the long term. Just make sure you can still afford the payments and aren’t necessarily banking on that home also becoming a big pay out down the road because the housing market is cyclical and eventually will fall down again.“Rushing to sell your house or buy a house because of the short term isn’t a prudent move,” says Danny McAuliffe, CFP, wealth advisor and head of planning at Perigon Wealth Management. “Making decisions based on what you can afford and make sense for you and your family, that is going to be a better situation for the long term.”If you’re thinking of making that high- to low-cost market move, Herman warns that you should at least live in the place first by renting to see if you really like it. This is especially true for seniors who dream of ditching colder climates for warmer places.Not only does it make sense to get a feel for the area in which you want to live that you can’t achieve while on vacation, but you also will learn if you have the temperament to be away from family for so long. Otherwise, you’ll cash out now and have to buy back in—and who knows what the market will be like then.2. Have Your Home Appraised to Ditch Mortgage InsurancePrivate mortgage insurance (PMI) is usually tacked onto your monthly mortgage payment if you put down less than 20% on the property when you purchased it. PMI is there to protect lenders in case you walk away. But if your home is suddenly worth more, you may hold enough equity to request to have PMI cancelled.To do this, you need to show lenders the home has increased in value, which means paying for a home appraisal. Those typically cost between 0 and 0. Meanwhile, PMI typically costs between 0.05% and 1% of the loan amount annually, which means the appraisal will pay for itself.If you’re staying put, you should also reassess your insurance to make sure it matches what your home is now worth, says McAuliffe. That’s because a policy based on a lower price may not cover the current value of the home, should the worst happen and you need to rebuild.“Specifically you want to make sure that the dwelling coverage in your homeowners policy is sufficient to rebuild your home if something catastrophic were to happen,” he says, adding that these policies typically exclude earthquake and flood insurance.3. Take Equity OutWith interest rates so low, taking some equity out is another option. You can use that money to make renovations to your current home—which may be tax deductible, says McAuliffe—or pay off high interest credit card debt—as long as you don’t then rack up debt on them again.You can take equity out in several ways, including through a home equity line of credit (HELOC) or a cash-out refinance, where you pull the equity out in, well, cash. Homeowners at least 62 years old also can take out a reverse mortgage, which lets them borrow from their home’s equity.Herman says money drawn from equity could be used to buy another property, either as a second home, or to rent out. But only think about becoming a landlord if you have tolerance for it and can cover the mortgage in the case the property is empty between tenants, or tenants stop paying.Just make sure that you aren’t taking all of the equity out. People who got in trouble in 2007 and 2008 “pulled all of their equity out,” Herman says. “When prices dropped, they were stuck because they had used all the equity up in their home for something else.” So don’t press your luck and strip your house of all its old and new equity, or else you may wind up with a house worth less than what you owe on it. 6432

Do you like a good marshmallow mystery?If you like both, Peeps has launched eight new flavors for spring. As for three of them, you have to guess the flavor. The mystery flavors are available only at Walmart and will be wrapped in white packaging with a question mark.You can guess the flavors and share your guess on Peeps' social media pages.Peeps will announce the mystery flavors close to Easter.As for the new flavors, they are sour cherry, pancakes and syrup, Neapolitan, lemon sherbet and orange sherbet, which both are dipped in fudge.  562

Dozens of trucks and thousands of volunteers delivered more than 260,000 Christmas wreaths to Arlington National Cemetery to honor fallen heroes.The rain Saturday didn't stop the day of service, which was made possible by the Wreaths Across America organization.  "If you look across this field of stones, it's massive, but we want to make sure that every individual receives a wreath and their name is spoken out loud,” says Karen Worcester, executive director of Wreaths Across America.Larry Landon, a Boy Scout troop leader, donated his time, unboxing and placing wreaths with 14 of his Boy Scouts.“Our troop unloaded trucks,” he says. “Over 36,000 wreaths were laid here at Arlington, with the help of these boys.”It’s a tradition in its 27th year, spanning all 50 states and into 26 countries. Nearly 2 million wreaths in total were placed.The goal is to give heroes across the world a gift this holiday season. 929

Donna Brazile is a rare breed in American politics: a one-time Jesse Jackson insurgent who became an important member of the Democratic Party's national leadership, often playing big roles in bridging differences between competing factions.Now, she faces criticism that she is stoking a divide at the worst possible moment -- as Democrats try to win key elections this week and deal with the broader challenge of choosing a course, and a message, heading into 2018 and beyond.At issue is Brazile's new book, a personal memoir that includes some blockbuster stuff: her view that the Clinton campaign had too much influence over the Democratic National Committee during the 2016 presidential primaries, complaints she was mistreated after she became interim party chairwoman for the back half of 2016, and an eye-popping account of how Brazile says she considered using her power as chairwoman to try to replace Clinton and her running mate, Tim Kaine, with Vice President Joe Biden and Sen. Cory Booker.People who have called Brazile a friend for 30 years or more are furious. Some say she twists facts in her book. Others say she is being disloyal by spilling in public things best kept private. Even some Brazile allies say the timing is horrible because Democrats need big turnout in Virginia and elsewhere this week and cannot afford bad blood or distractions.Brazile acknowledges fierce blowback but says she is at peace with her decision."Read the book. Make your own conclusion," she said in one exchange in recent days, responding to complaints from Clinton staffers who challenge her account of a campaign Brazile says lacked passion and often lied to her. She said her in-box was helping her "define real love versus sour grapes."So does this longtime inside player worry about being cast now as disloyal and destructive?This in an email to CNN: "After what the country went through, I'm not afraid."Then this on ABC on Sunday, to her critics: "Go to hell. I'm going to tell my story." 2002

Do you find it hard to make friends as an adult? If you’re having a difficult time meeting new people, you’re not alone. There are reasons behind the struggle, but there are mobile apps that can actually help you make new friends.Relationship expert YY Wei says as we get older, our past gets in the way of putting ourselves out there and meeting new people."Anytime we get hurt, in any type of relationship, it's going to have an emotional impact on us," says Wei. "And that means it's going to impede our own courage to reach out to people again."  A recent study out of the University of Kansas found that it takes about 50 hours of socializing to go from an acquaintance to a casual friend. If you want to become close friends, the study found it takes 200 hours of socialization. Most of us don’t have that kind of time, so there are apps that can help. For example, there’s a newer app called Girl Crew. It’s similar to dating apps. You simply create a profile, begin a chat and then if you like the person, you can set up a time and place to meet. Another app is Skout. You can use it to meet new people, no matter where you are, even if you’re just visiting. "The app helps because you know the basic stuff about this person," explains Wei. "Do we share the same hobbies, do we like the same music, and do we like to do similar things going hiking, going out drinking or happy hour."  If apps aren’t for you, Wei says to do what you like to do and meet people that way. So, if you like working out, you can meet friends at the gym. But if you’re going to stay in your comfort zone, you need to push yourself a little. Wei says at the end of the day, you need to give a little to get a little. 1788

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