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Commercial construction is experiencing a huge downtown and has yet to recover since it dipped at the start of the pandemic. But in contrast, residential construction is experiencing historic demands.“It's been a remarkable year for housing,” said Robert Dietz, chief economist for the National Association of Home Builders.When the pandemic hit, no one was sure what the impact would be on housing.“People need larger homes; they need to fix up their existing homes and frankly there’s not enough inventory on the marketplace so builders are really busy right now,” Dietz said.So busy, in fact, that some are deciding to buy new homes rather than wait for their projected renovation to start. The NAHB is a trade association with 140,000 members who handle all facets of family construction.“We’re looking this year, we think single family construction will be up almost 10% and that will make it the best year for single-family home building since the Great Recession itself,” Dietz said.But that doesn't, by any means, put anyone in a "perfect" position.“There are headwinds on the horizon and the industry has faced a number of persistent challenges that have reduced housing affordability,” Dietz said. “Those would include the persistent lack of skilled labor, lack of lots in high-demand markets, and of course regulatory costs have been a persistent thorn in the side of the industry causing costs to be higher and pricing out home buyers out of the market.”When demand goes up, supply goes down. Lumber prices are at an all-time high. It's taking months for builders to get their materials and supplies, and people are finding themselves stuck.“It can be a frustrating marketplace because you have those historically low interest rates that you want to take advantage of, you’re looking for more space given the changes to telework and all the factors that have changed as a result of the virus but there’s not the inventory there to meet the demand in front of the industry,” said Dietz.Ken Simonson, chief economist for the Associated General Contractors of America, was asked whether some are considering moving into the residential sector because it's doing so much better than the commercial side. He said, "Home building is really a different market."Simonson said the contractors in his organization do “apartment buildings, every type of non-residential building, infrastructure, highways, water and sewer systems, power plants and so forth.” He said contractors across the national saw an initial rebound, but it's been on a steady decline since the spring.“Non-residential construction, there’s a lot of doubt about whether there’s going to be demand for more stores or offices and whether owners whether they’re private or universities or state and local governments have the money to pay for them,” Simonson said.He says it's different in every state and region. Some niche industries are doing okay, like data centers, and the fields of medical device and health care. But most industries, like hotel and retail, for instance, have just about disappeared.“I have to say I’m pessimistic the construction industry is going to lag the overall economy,” Simonson said. “There are hopeful signs about the economy being able to pick up speed in 2021 if enough people get vaccinated and the vaccine proves to be effective.”Construction tends to take a while to bounce back. And for those who are waiting to move up or move out of their homes, economists say your best bet is patience. 3507

Congress is currently honoring one of its own — longtime Georgia representative and Civil Rights leader John Lewis.Lewis' body was flown from Alabama to Washington, D.C. on Monday, and is currently lying in state in the U.S. Capitol Rotunda.Members of the House of Representatives and Senate will have a chance to pay their respects before a public viewing takes place this evening. Among those who paid tribute to Lewis with speeches were Senate Majority Leader Mitch McConnell, R-Kentucky and House Speaker Nancy Pelosi, D-California. CNN reports that the public viewing will take place outdoors due to the coronavirus pandemic.On Sunday, Lewis' body made a final trip over the Edmund Pettus Bridge in Selma, Alabama, where half a century ago, he led several marches for voting rights. The first of those marches became known as "Bloody Sunday," as Lewis and other civil rights activists were met with force from state and local police as they crossed the bridge. The marches sparked a national conversation about voting rights for Black people, and the Voting Rights Act of 1965 was passed a few months later.Following events in Washington, Lewis' body will return to Georgia — the state he represented in Congress for more than 30 years. Lewis' funeral will take place on Thursday at the historic Ebenezer Baptist Church in Atlanta — the same church that was formerly led by Dr. Martin Luther King, Jr.A public viewing at the Capitol building is one of the highest honors a Representative, a Senator or elected official can receive upon their death. Rep. Elijah Cummings, a fellow Civil Rights leader, and Congressman leader, was the last person to receive the honor upon his death in 2019. President George H.W. Bush and Sen. John McCain have also had public memorials at the Capitol in recent years.Lewis died on July 17 after a six-month battle with cancer. 1872

earlier this year. Pinto wrote Thursday that UC is still "making meaningful progress with the voluntary police reforms we initiated with the input and engagement of the broader community."Read the full UC-Tensing agreement below:Ray Tensing payment by WCPO Web Team on Scribd 2922

Consumers are looking for greater protections for their personal and financial information in the wake of the Equifax data breach. Many have decided to take precautions and put their credit on ice: a credit freeze.A credit freeze aims to block anyone from opening new accounts in your name. The catch is that the block applies to legit inquires, too. So it's not a great idea if you're shopping for a home or an auto loan. But when you're not looking to take out any loans or open any lines of credit, it can be a financial lifesaver.The Equifax hack, in which the names, Social Security numbers, birth dates, addresses, and driver's license numbers of 143 million people were exposed, may create a new normal in which protections previously viewed as cumbersome -- like credit freezes -- are now a valued line of defense."A security freeze is the most effective measure against 'new account' identity theft, because it stops thieves from using the consumer's stolen information," says Chi Chi Wu, a staff attorney at the National Consumer Law Center.Here's what you need to know about freezing your credit:What is a credit freeze?A credit freeze limits who can see your credit report information. The goal is to prevent anyone from opening any new accounts. It doesn't damage your credit or stop your credit report from evolving by your own actions.Your credit information will still be released to your existing creditors and any debt collectors who may come calling.But, if you want to open new lines of credit, you'll need to lift the freeze first. This can be done temporarily, either for a set time or for a particular party, like a landlord or lender.The costs to freeze and lift the freeze on your credit vary based on where you live and for each credit reporting agency, but commonly range from to per agency.If you're a resident of certain states -- like Maine or South Carolina?-- it's free.In response to public outcry, Equifax announced that fees to freeze your credit will be waived for the next 30 days.But even that doesn't totally protect your information since your data isn't fully frozen until it is on ice at all three credit bureaus. The other bureaus have their own fees. It's also unclear whether Equifax would still charge you a fee to lift the freeze. The company did not immediately respond to request for comment.Consumer protection organizations like the National Consumer Law Center are further calling for Equifax to waive the fees for credit freezes at all three credit bureaus.How is it different from fraud alerts or other credit monitoring?The credit reporting companies do little to make getting a credit freeze easy: you have to ask each of them individually, pay a fee (usually) to put it in place, ask each of them specifically to lift the freeze and often pay another fee. That's because your data is the product that they sell to other people and companies. If you freeze it, it isn't as valuable.As such, they are more likely to offer you fraud alerts and other credit monitoring products. These are services that will let you know when someone is looking at your credit and may contact you about a new account opened in your name. It's helpful, but it is often after the fact."Equifax is offering something that it says functions like a credit freeze," says Mike Litt, consumer program advocate with US Public Interest Research Group. "The problem is that it is incomplete protection and it only lasts for a year. What we're recommending is that people don't bother with the package Equifax is offering and just place freezes with the three credit bureaus instead."Can I still get a credit card or loan?Sure. When your credit is frozen you can continue to operate your financial life just as you typically would. The only notable thing is that you will need to notify the credit bureaus to lift the freeze before you ask a lender to approve you for credit.If you are able to determine which credit agency your potential lender is using to run your credit, you can even save yourself some fees by just requesting the freeze to be lifted on that one.The reporting agencies tell you that this may delay a legitimate credit request.But for those who don't feel comfortable with the way the credit reporting agencies are handling their treasure trove of personal information, a notification to the agencies and day or so delay may be a fair price to pay for added security.The agencies advise you to plan ahead and lift a freeze a few days before actually applying for new credit.How do I freeze my credit?With millions of people feeling vulnerable after the hack and scrambling to secure their most important information, getting a credit freeze has been more difficult than usual in the past few days. Users on Twitter report trying again and again to secure credit freezes, with both the website and phone systems failing.Keep trying.To set up your own credit freeze, go to the freeze page at each credit agency's website individually: Equifax, TransUnion,?Experian.You will be asked to provide information. If you do not want to put your information into another automated computer system, you can call the agencies directly. Usually you are given a PIN number, which is your key to lift the freeze. Do. Not. Lose.In addition to being subject to your state laws, the cost may also vary by agency.Often there is no charge for victims of identity fraud to add or lift a security freeze. Rules and fees at TransUnion, Experian and Equifax are similar, with the exception of Equifax's being waived for the next 30 days. 5652

CNN White House reporter Jim Acosta said on Wednesday that he was denied access to the White House on Wednesday evening, following a contentious news conference when he sparred with President Donald Trump. White House Press Secretary Sarah Huckabee Sanders confirmed the White House has removed Acosta's hard pass, which allows journalists access to the White House grounds. Sanders said that Acosta's credential has been revoked until further notice. Earlier on Wednesday, Acosta was scolded by Trump for continuing a tough line of questioning. "CNN should be ashamed of itself having you working for them," Trump said. "You're a very rude person. The way you treat Sarah Huckabee Sanders is horrible. You shouldn't treat people that way."Acosta questioned the President about his rhetoric surrounding a migrant caravan that is traveling on foot to the United States. While trying to ask a follow-up question, Trump repeatedly told Acosta he was moving on.At that point, a White House staffer attempted to take the microphone out of Acosta's hands. Acosta made several attempts to pose the follow-up question to Trump before finally allowing the White House staffer to take the microphone.Sanders claimed that Acosta placed his hands on the staffer while trying to hold onto the microphone. "President Trump believes in a free press and expects and welcomes tough questions of him and his Administration," Sanders said in a statement. "We will, however, never tolerate a reporter placing his hands on a young woman just trying to do her job as a White House intern."CNN responded by saying it fully supports Acosta. "She provided fraudulent accusations and cited an incident that never happened," CNN said in a statement. "This unprecedented decision is a threat to our democracy and the country deserves better. Jim Acosta has our full support."Here is the exchange in its entirety:  1943

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