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Pepsi is releasing an apple pie-flavored soda as we near the holiday season, but it's only available if you enter a sweepstake.The new limited-time-only soda: PepsiCo designed Pepsi Apple Pie to taste like "warm cinnamon, buttery crust, and fresh apple."And to mark the special occasion of its release, the drink company will give away the limited-time-only drink to 1,500 fans in its #PepsiApplePieChallenge sweepstakes.To receive a free bottle of Pepsi Apple Pie, fans will have to post a photo or video of their best baking fail using the hashtag #PepsiApplePieChallenge on Twitter and TikTok.The contest ends on Dec. 7. 631
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

OVERLAND PARK, Kan. — Forever 21 is one of a handful of stores that allows men and women to try on clothes in the same area.Now, some shoppers believe it might be time for a change.This comes after a man was charged for allegedly recording a woman and a girl inside a Forever 21 changing room at the Overland Park mall.“For a place like this, I don't think that's appropriate at all to have men, women and children in the same dressing room at all,” said Jaymee Henderson, who shops at Forever 21.Scripps station KSHB in Kansas City sat down with an attorney to find out what the laws are when it comes to recording video in a clothing store like this.Attorney Bernie Rhodes said anything within the store is fair game."If I want to walk into a Forever 21 store and put my cell phone in my breast pocket and film my interaction with the sales clerk, that's perfectly legal,” said Rhodes.But once you get to the dressing room area, the rules change."What a store can't do is install a security camera in the bathroom or dressing rooms because there we have what we call an expectation of privacy. The same is true for perverts,” said Rhodes.Rhodes said a person can record themselves in the dressing room with their own device.In the Forever 21 dressing rooms, there is a large gap between the floor and the fitting room wall. That’s how prosecutors allege a man took video of a girl and a woman on his cell phone.A petition on Change.org is calling on the store to separate their dressing rooms by gender, but Rhodes believes that change won’t prevent people from breaking the law."It falls upon the individual who is acting illegally, he or she knows what they're doing is wrong. You can make the wall go all the way to the floor and they'll drill a hole in it,” said Rhodes.He says privacy laws can be violated anywhere, not just in the dressing room at a clothing store."Unfortunately, it does happen more often than we'd like to think,” said Rhodes.KSHB reached out to Forever 21 to find out if they intend to make changes to their fitting rooms, we have not heard back. 2102
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
Parents are facing tough decisions as the school year looms: Should they keep their children in school, or pull them and send them to a school that's already prepared for distance learning?K12 Inc. is the largest online education provider in the K through 12 space. They serve 30 states, with 6,000 teachers around the country and 120,000 students. Distance learning is what they do best, and these days, they're getting flooded.It's what Kevin Chavous, K12's President of Academics, says is "dramatic" increase in interest from parents. They've received thousands of applications since the spring."These are families that otherwise wouldn't consider a virtual option, but all of them say the same thing — they're so fearful about their kids' safety," Chavous said. "They're educated consumers, shopping around trying to figure out options."Most of the calls to K12 are coming from heavily-involved parents. They want to know the data; they want to know about the education, the structure, the sports, and the possibility of meetups."A lot of the data we look at shows that anywhere from 10% to 40% of the average public school parent says there's no way they'll send their kid back to the brick-and-mortar school they're going to — not because they have problems, but they're deathly afraid of the safety issue," Chavous said.Parents everywhere have questions, and they want answers. Chavous addressed the school's biggest selling point."Well, we've been doing it longer, and we do it better and we've refined what we do," he said.Nearly 500 of K12's teachers have enrolled in a Master's in Education in Online Instruction.It was a fast switch to online learning that jolted parents this past spring, and it's something that Southern California mom Christy Hartman doesn't want to do again."I can't do another semester of what we experienced last year," she said. "It was disjointed, she was a 5th grader and spent about 45 minutes a day (e-learning) — no live instruction from teachers at all."Hartman says she's decided that if her local school district continues full-time distance learning, she'll pull her child and send her to Sage Oak — a large regional charter school that offers personalized learning.Kids at Sage Oak meet in person once every 20 school days, and the rest is teacher-guided, teacher-supported instruction, led by parents at home.Sage Oak was prepared for the pandemic before it ever happened."We didn't have to make a ton of changes," said Chelsey Anema, the school's student services coordinator. "We did have to go virtual — which is unfortunate because we love and value the time we get to meet with students each month — but we are equipped with meeting virtually, so it wasn't a huge struggle for us."Anema says Sage Oak is getting between 50 and 60 new student applications a day. It's a demand they can't meet due to a new bill that caps school funding and enrollment in California.Parents have some choices to make. And K12 recommends that parents do their homework."Call all of us. Call the school district. Ask those questions, seek better answers," Chavous said. "This is a precious time for America as we go through this education reset and global reset, and we have to do it right. You only have one chance to educate your child." 3278
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