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If you’re a potential homebuyer eyeing interest rates and real estate listings, you might be scratching your head. Mortgage rates are historically low, which means the cost of borrowing is cheap. However, home prices are up in all areas of the country, according to the most recent data from the National Association of Realtors.Whether you’re a first-time buyer on a budget or you have a large down payment and a high income, nobody wants to lose money on real estate.Unfortunately, there’s no simple answer to the question of whether to buy or not to buy. For one, real estate is local. So, although home values continue to rise in every region, there are unique differences among states, cities and even neighborhoods. But there are some indicators homebuyers can plug into their own personal situation that can help them get a better handle on how well current market conditions line up with their goals.Related: Compare Personalized Mortgage Rates From 6 LendersMortgage Rates Could Start Rising With a Coronavirus VaccineA big wake-up call for mortgage borrowers came Monday when Pfizer announced preliminary results indicating its Covid-19 vaccine candidate is highly effective, causing markets to surge. Following the announcement, 10-year Treasury yields and mortgage rates both shot up.If the U.S. government approves the Pfizer vaccine, mortgage rates likely will start to rise, experts predict. This would exacerbate an already expensive housing market.“If the vaccine is approved, I would expect Treasury bond yields to move above 1% by 2021,” says John Lonski, markets economist at Moody’s Analytics. Ten-year yields are currently below 0.90%. “A vaccine will lead to an upturn in economic activity and business activity. Even if the Fed keeps the federal funds target in the current range, yields will rise, which means mortgage rates will, too.”Lower rates means more buying power; however, the large gains in home values have canceled out monthly savings. In fact, comparing starter home prices in the fourth quarter of 2019 with current starter home prices and their respective mortgage rates, today’s buyers will pay slightly more in monthly payments but could save tens of thousands of dollars in total interest paid.Home Prices Are RisingMedian single-family home prices climbed in all 181 metropolitan statistical areas tracked by the National Association of Realtors (NAR), according to its latest report. The double-digit year-over-year gains were most prominent in the West (13.7%), followed by the Northeast (13.3%), the South (11.4%), and the Midwest (11.1%).Median home prices on existing single-family homes shot up to 3,500, 12% higher from this time last year. This means that home prices are growing four times as fast as median family income.“Favorable mortgage rates will continue to bring fresh buyers to the market,” said Lawrence Yun, chief economist at NAR. “However, the affordability situation will not improve even with low interest rates because housing prices are increasing much too fast.”A colossal 65% of the areas measured (117 areas out of 181) saw double-digit price growth year-over-year.Although there’s strong growth in both urban and suburban areas, the data shows that less densely populated places are still performing better than packed cities in terms of homes sales and values. But some economists warn that with a vaccine on the horizon, the economy will snap back quickly thanks to a strong foundation going into the pandemic and could leave some homeowners with buyer’s remorse.“People are frightened. They’re running out of cities and going to suburbs. This fear-driven demand for housing is dangerous,” says Lonski, the Moody’s economist. “What happens to housing when Covid-19 is behind us? A lot of people will discover that they paid a little too much for homes. Unless you absolutely have to move, you should take a cautious approach to buying a home right now.”Look to New Construction to Help Slow Home Price GainsHousing affordability has been an issue for a few years now as residential construction has lagged behind demand, creating an enormous imbalance in the market. At the beginning of 2020, construction was picking up but Covid pushed a pause button on activity.The good news is that new residential construction is beginning to ramp up again. In September, housing starts were up by 11% year-over-year. According to the recent Dodge Data & Analytics 2021 Construction Outlook, U.S. construction starts are projected to increase by 4% next year, to 1 billion.“Construction has recaptured some of the momentum it lost at the beginning of the year, so that will be good for inventory,” says Danielle Hale, chief economist at Realtor.com.Hale says that inventory is really the only thing that can hit the brakes on rapid price growth, discounting other possibilities like baby boomers downsizing and expanding the pool of inventory as a meaningful solution.“As far as boomers moving and downsizing, we haven’t seen a lot of that,” Hale says. “We expect the biggest help on the inventory side to come from new construction. It’s not going to be completely easy—there will still be affordability challenges. We don’t expect prices to decline; instead price growth will just slow and get in line with wages.”What Homebuyers Should Consider Before BuyingThe five-year rule is the first thing you should consider before buying, which is a general calculation that shows when you’ll break even from closing costs.If you plan on moving within five to seven years, you’ll likely lose money on the sale—unless home prices jump up dramatically, which is not something buyers should count on.For homebuyers who plan on staying in the home long-term, there’s more time to build equity and make up for those hefty closing costs, which can equal about 2% to 5% of the purchase price.“Don’t get carried away by the madness of crowds. In the back of your mind you should be asking yourself: ‘Can I sell this property, if I have to, without losing too much?,’” Lonski says.To determine whether you can truly afford the house, consider taxes, insurance and repairs, in addition to the cost of the mortgage, which will vary based on your credit score, the type of loan you take out and the amount you put down towards the purchase out of pocket.Leslie Tayne, founder and head attorney at Tayne Law Group in New York, advises buyers to keep expenses at 30% of your income.“For example, when an individual has enough savings for a 20% down payment (to avoid private mortgage insurance), the mortgage payment is no more than 28% of their monthly income, and they have a 700+ credit score, buying a house can be a good financial move,” Tayne says. “Buying makes sense, too, when the value of the home decreases or there is an opportunity to purchase a property that is below market value.”Related: Compare Personalized Mortgage Rates From 6 Lenders 6919

IMPERIAL BEACH (KGTV) — Some South Bay parents are upset after they say their elementary school abruptly canceled an annual Christmas tradition out of deference to families who do not observe the holiday.For years, students at Oneonta Elementary School in Imperial Beach had a December assembly featuring Christmas decorations, Christmas songs and a visit from Santa.This year’s December assembly was held Friday without a Christmas show. Teachers learned of the change Wednesday, according to 6th grade parent Jose Cariman.“No notice to the parents. No notice to the teachers, no advance notice for anything,” he said. “What are they teaching [the students]? Are they teaching them that Christmas is not allowed to be celebrated?”RELATED:San Diego students get 'epic' Christmas surprise from officersPadres players surprise San Diego elementary school students with new bikesVideo from the assembly in 2018 shows children in Santa hats singing Christmas songs on a stage decorated with the words “Merry Christmas” in at least four languages.6th grade student Alexis Sandoval said she was disappointed by the change, particularly for her younger siblings.“It was just super sad because we’re always used to having a nice, fun Christmas party, and now we just can’t have a party for some reason,” she said, noting the school began scaling back aspects of its holiday celebration last year.Oneonta has a new principal, David Trautman, who joined the school in July 2018, according to his LinkedIn page. Trautman declined to comment and referred questions to the South Bay Union School District.RELATED:Sweetwater Union High School District approves interim budget with million shortfallSan Marcos parents sound off against superintendent's hires“South Bay Union School District is dedicated to ensuring that all students, families, and staff feel welcome and included on our campuses and at all District facilities,” Superintendent Katie McNamara said in a statement.McNamara said the district serves a diverse community with a variety of beliefs, both religious and secular, and provided the following guidance to school employees before the holiday season: “While teaching about religious holidays is a permissible part of the educational program, celebrating religious holidays is not allowed in public schools.”“During the time of the year when major religious holidays are celebrated, it is important to remember that not everyone shares the beliefs of the majority,” she added.Miriam Martinez, a parent of a 2nd grader, said she doesn’t understand why some schools in SBUSD went forward with Christmas-themed assemblies when the celebration at Oneonta was canceled. “It’s upsetting because they look forward to it. And it’s unfortunate because not all of us can afford to take them to the mall to see Santa. So some of the kids just do it at school. This is where they get to tell Santa their Christmas list,” she said.A district press release mentions an event at Mendoza Elementary called “Irish You a Merry Christmas.” The event was sponsored by outside groups and held on a Saturday. A district spokesperson did not directly respond to a question about end-of-year assemblies at other schools. “Schools and classrooms have been decorated and are reflective of seasonal themes and many schools have had numerous festive programs,” McNamara said in the statement.Cariman and Martinez said they’d like to see Oneonta handle Christmas like it handles Halloween: parents who don’t want to participate can opt out, and bring their child to school late. Here is the full statement from Superintendent Katie McNamara: 3629

HOUSTON (AP) — Houston officials have canceled the Texas GOP’s in-person convention.They say the spread of the coronavirus made it impossible to hold the event as scheduled.Houston Mayor Sylvester Turner said Wednesday that the city’s lawyers exercised provisions in the contract that the Texas Republican Party signed to rent the downtown convention center for a three-day event to have started July 16.Virus cases have surged in Texas, particularly in the state’s largest cities.Republican Gov. Greg Abbott had publicly deferred to state party leaders who last week voted to go forward with an in-person event. 620

How many times do you say, "This weekend I’m going to organize my house," and then don’t? Bart Flerterski is the same way and I showed him how to declutter his house with 5 easy ideas.We began in his basement. That’s where he stores all of his stuff that he doesn’t know what to do with. Bart told me, he likes to avoid this room because it overwhelming.The first tip to declutter your house is to pick one item per day and get rid of it. By sticking to one item, the task of decluttering isn't as daunting.Step two, ask yourself, "Do you love it, do you use it and will you ever use it again?" If you love it and use it, then keep it. If not, get rid of it.If those two steps are too much to handle, start small. Everybody has a junk drawer. Clean out that drawer first and then work your way up to an actual room.Maybe you don’t have a messy basement, but you have a lot of paperwork scattered on your desk. It’s time to organize those papers. Skip the file cabinet and take out your smartphone. Take pictures of every document and store it in the cloud.  Last tip, adopt a zero accumulation rule. If you take one item in, then you have to take one item out. 1188

If you're looking for some fun under the sun this winter, United Airlines announced eight new destinations to popular vacation spots like Costa Rica, Belize, and Cancun.Last week, United announced they've added new flights to 19 destinations in Mexico, the Caribbean, and Central America."These eight new routes highlight the continued expansion of our network and build upon our strong presence in Latin America," said Patrick Quayle, United's vice president of International Network and Alliances noted in the press release. "Our new and increased service offers travelers more opportunities to find warm-weather getaways and visit friends and family over the winter season."The new routes could begin as early as December. United says the new non-stop flights are subject to government approval. 806