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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

EL CAJON, Calif. (KGTV) — El Cajon Police and the NAACP say they are trying to reach out to the family of a man hit and killed by a car last week after family and friends accused police of shooting the man.Police say the protest stemmed from a Nov. 25 traffic fatality involving Stephen Harris, 29, of El Cajon. Harris was hit by a vehicle just before 9 p.m. in the 300 block of West Chase Ave. and died at the scene, according to police.EPD says the driver who hit Harris remained at the scene and tried to provide first aid to him, along with the help of a passenger in the vehicle. Police do not suspect the driver of driving under the influence or speeding at the time of the crash. Witnesses told police Harris suddenly walked into the roadway at the time of the crash, EPD added.Surveillance footage reportedly showed Harris leaving a nearby convenience store and stumbling before the collision, police said. Officials said a toxicology report is being conducted, but police said preliminary testing showed drugs and alcohol in Harris' system at the time of his death.Family and friends of Harris arrived at the scene after the crash and accused police of being involved in Harris' death, saying officers were stalking him, shot him, and were trying to cover it up. During a protest on Nov. 30, family and friends continued their accusations against the department, with some protesters obstructing traffic. Police say at one point, a protester kicked a passing vehicle and another person reported that a protester pointed a handgun at them.EPD, the San Diego branch of the NAACP, and the county Medical Examiner's office say they have tried to contact Harris' family about his death, but that the family has not responded.Francine Maxwell, President of the San Diego branch of the NAACP, issued a statement saying in part that the police department is being as transparent as possible in Harris' death: 1919

Doctors say a second wave of mental health devastation brought on by the pandemic is imminent and has the potential to overwhelm parts of the mental healthcare system.“This is going to be a long-haul situation,” said Chuck Ingoglia, president and CEO of The National Council of Behavioral Health, which offers services to 3,400 local mental health organizations around the country. “I’m certainly hearing from our members that they’re feeling a lot of tension right now.”In a survey of more than 5,000 people released by JAMA last week, 40.9 percent reported feeling at least one adverse mental health condition including depression, anxiety, and substance abuse, tripling to quadrupling rates from one year earlier. And remarkably, 10.7 percent reported seriously considering suicide within the last 30 days.“We are concerned that these [symptoms] could get worse,” said Dr. Vail Wright, senior director of healthcare innovation at the American Psychological Association. “We’re anticipating that we’ll continue to see mental health challenges including an increase in diagnostic categories as this continues if people don’t take active steps to manage their stress.”One of those major respites has been the outdoors during the summer months. Dr. Wright says as the days get shorter and the weather gets colder more people will stay indoors, losing a source of happiness as Vitamin D boosts energy and mood.This is all happening as COVID cases across the country increase drastically. This past week 500,000 positive COVID-19 cases were reported in the United States, the most since the pandemic started, which has prompted some states to tighten their restrictions on activities and capacities in restaurants.The increase also has the potential for hospitals to leave more beds open for patients, taking away psychiatric beds in the emergency room for those who come for treatment.The shift puts even more strain on the local organizations Ignoglia oversees that have been dealing with funding issues.“Our members are reporting about a 20 percent reduction in revenue,” said Ignoglia. “You deal with that by closing programs and laying off staff, which then means you serve fewer patients which then means your revenue stays low. So it’s kind of this self-perpetuating problem that we’re having.”Ignoglia says he has been focusing on the Trump administration and Congress as a source of relief in hopes more stimulus money comes to these programs so this concern does not evolve into something worse. 2510

EL CAJON, Calif. (KGTV) -- A woman was arrested Sunday after an El Cajon officer was seriously injured after being dragged by a vehicle earlier in December.According to police, Keani Flores, 28, was a passenger in the vehicle involved in the assault on the officer, Nick Cirello.The driver of the vehicle, David Pangilinan was seen in the Oakhurst area by officers,When police tried to conduct a traffic stop, Pangilinan fled the scene and “evaded apprehension,” police said. Flores was reportedly located at a motel nearby. Authorities are still searching for Pangilinan.Officer Cirello was hit by the vehicle on December 14 on the 100 block of West Washington Street after officers responded to a call regarding a vehicle blocking the roadway with the driver and passenger asleep inside the vehicle.When officers tried to wake the pair up, the driver provided identification for someone else before starting the vehicle.When Cirello tried to stop him, he was dragged before being struck by another vehicle traveling past the scene.Cirello was taken to the hospital before being released on December 18. He is expected to make a full recovery.Anyone with information about the case is asked to call the El Cajon Police Department at 619-579-3311 or Crime Stoppers at 888-580-8477. 1289

EAST COUNTY (CNS) - One vehicle overturned and another one ended up in a ditch in a collision today in Jacumba Hot Springs, the California Highway Patrol said.The two-car collision happened at 12:22 p.m. on eastbound Interstate 8 near Carrizo Gorge Road, the CHP said.A gray Chevy Silverado and a black Lexus sedan collided and landed in the center divider. The Silverado overturned but all of the occupants got out of the vehicle, according to a CHP incident log.Tow trucks were called to the scene. There was no immediate information on the condition of people in both vehicles.A CHP dispatcher said two officers were investigating the accident and still at the scene as of 1:15 p.m. 693