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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

PlayStation 4's latest update gives parents a lot more power.On Wednesday, Sony rolled out a PS4 software update for its gaming console with several new features -- most notably, the ability for adults to restrict how long a child uses the system.Other new features include more personalization and improved image quality for games played on HDTVs.Adults can now keep track and control the length of PS4 playtime for children. It's possible to set up certain hours when playing is allowed -- like 10:00 a.m. to 1:00 p.m. on weekends -- and automatically log out the user when time is up.Related: Game on: Video game consoles are flying off shelves againThe new parental control feature earned praise from Chris Byrne, content director at review site TTPM.com, which stands for toys, tots, pets and more."Parents today are really trying to limit screen time for kids and contextualize it. This is a really nice, strong feature for parents," he told CNN.Nintendo Switch -- one part mobile, one part home console -- already has a similar feature.Launched in 2013, PlayStation 4 has been a big hit for Sony. It has sold over 70.6 million units worldwide as of December 2017.The software update comes amid increased competition from brands such as Xbox and Nintendo. The one-year-old Nintendo Switch console sold more units over its first ten months than any other console ever. But the PS4 remains the current market leader.For PS4 players, some games will look better. With the new "supersampling mode," games that render to a higher resolution on a 4K TV will downscale to match the HDTV. This will create a better image clarity without requiring a 4K TV.The update also brings more personalization to the console, such as the ability to upload your own photos and set them as your wallpaper. New tabs make it easier to see what's been recently installed and purchased, and there's also a custom friends list that shows who's online.Related: The CEO who saved Sony is stepping downWhile this particular update may not be a game changer, it shows customers the company is continuing to improve the console over time, according to Mat Piscatella, a games industry analyst at NPD.A bigger draw is the PlayStation 4's huge library of games, including best-selling titles such as "Call of Duty" and "Madden," and content exclusively available on the PS4, including "Bloodborne" and "Horizon: Zero Dawn.""Sony has also done a masterful job in promoting the console and in bringing new ways to play to PlayStation 4, such as PlayStation VR," Piscatella said.The-CNN-Wire? & ? 2018 Cable News Network, Inc., a Time Warner Company. All rights reserved. 2653

PHOENIX, Arizona — "I would go out by myself, I would hang out with whoever wanted to hang out but my real relationships were all failing," said Stephani Krise.That's because Krise says the only relationship she cared about was the one she had with alcohol.Constant partying after work, binge drinking, stints in the hospital and traditional rehab seemed hopeless."After I relapsed and I couldn't stay sober, I kind of had given up hope," said Krise.Another woman, Sarah Kennedy, says her long addiction to alcohol had affected friendships, her career and of course, her health.And like Krise, Kennedy was willing to try just about anything."Read about it on the web and just seemed too good to be true," said Kennedy.What she read about is the Sinclair method.Her first appointment she met with a doctor, got a prescription, took a pill, and later that day, had a drink, doctors’ orders of course.If the protocol seems like a radical idea, that's because it is."I mean I think it's time to change the way addiction treatment’s been for a long time," said Dr. Michael Yasinski.Dr. Yasinski is spear heading that effort at his Scottsdale office."It's founded in science and data which is why I liked it," said Dr. Yasinski.Every one of his patients gets to continue drinking as long as they take the anti-addiction drug Naltrexone one hour before they knock one back. The pill works to block pleasure sensors in the brain. He says combined with psycho-therapy the cravings go away."It's not seeing or enjoying alcohol like it normally does, so it starts to lose interest over time," said Dr. Yasinski."I came back two weeks later and he said 'how did you do,' and I said well I felt great cause I didn't have to change a thing," said Kennedy.But what did change, was the desire to drink. Both report drinking isn't a problem anymore. This coming as nearly 70 percent of traditional rehab patients relapse within the first year."To me, it’s like there is no relapse, you just keep going and keep improving," said Kennedy."I just feel so much better about myself and that's what makes the difference," said Krise.A true testament to what taking a chance can lead to.So why are we just hearing about this now? Traditionally alcoholism has been treated as a moral issue rather than a medical one.According to those in the treatment industry, most doctors just aren’t trained in this type of treatment. But that could soon change.For more information on this treatment method, CLICK HERE.  2511

Pizza Hut will replace Papa John's as the official pizza of the NFL.The announcement comes a day after Papa John's said it would end its sponsorship of the league. Papa John's, which last fall blamed the NFL's response to player protests for slumping sales, will focus on its partnerships with individual teams.The league's deal with Pizza Hut is for four years, and is worth more than the Papa John's deal, a source familiar with the agreement told CNN. The agreement gives Pizza Hut, which is owned by Yum Brands, an array of exclusive marketing rights."We are thrilled to have Pizza Hut, an industry leader and one of America's favorite brands, as an official league sponsor," NFL Commissioner Roger Goodell said in a statement.The sponsorship will roll out with the upcoming NFL Draft in April.Artie Starrs, the president of Pizza Hut U.S., said in a statement that the sponsorship potential was "endless. He said it would be "great fun for Pizza Hut, the NFL and everyone who loves pizza and football."Papa John's said Tuesday that its parting with the league was mutual. The company reported that its North American sales were down 3.9% from a year ago.  1173

Our hearts are broken for Carla’s family, friends, and loved ones. We reached out to provide support to them during this unimaginably difficult time. We have also been in contact with Costa Rican and American law enforcement authorities, and we are standing by to support their investigation, as justice must be served quickly. The Villa Le Mas has been removed from the platform. 388

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