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Money in the bank or homeownership: What should this couple do?

Published Fri, 22 Nov 2024 01:43:46 GMT

Question: Regarding your November 25, 2023, column titled “This holiday advice is not the best recipe for wanna-be homebuyers” on The Mercury News and East Bay Times websites:   Your column indicates home prices will not drop with lower home-loan interest rates. The experts agreed. Just like the uncles in your article, my in-laws provided homebuying advice. We listen. In our case, realty advice and down payment assistance come as a package.    My wife is content to rent a home indefinitely. She prefers money in the bank. It is not surprising. Foreclosure ended homeownership for her parents during The Great Recession. Her parents had a bad home loan. They did recover. They have been renting since 2010. My in-laws saved all their disposable income. Now, they want their daughter to buy a home. But there is a catch. Her parents want us to wait until interest rates are lower. Then they will give us down payment assistance.  It is a housing dilemma. My in-laws want us to buy a home when h...

Why so many DCPS teachers are headed for the classroom exit

Published Fri, 22 Nov 2024 01:43:46 GMT

Increasing numbers of D.C. public school teachers are heading for the classroom door.At a hearing held by the D.C. Council during the week, some educators sounded off on what’s lost when their peers exit the classroom as turnover that eased during COVID-19 rebounded to pre-pandemic rates.With the turnover increase “that institutional knowledge as well as the community knowledge, as well as just pedagogical knowledge, gets lost with it,” Dylan Craig, a DCPS teacher, Washington Teachers Union rep and executive board member, told WTOP.“And even there can be great new teachers coming in. But there’s something unique about each school, each community and programs/initiatives that are part of that school … with constant turnover, it’s not quite starting fresh, but almost starting fresh each year,” Craig said.Being overworked is among the reasons teachers leave the classroom, according to Craig, who also said the IMPACT teacher evaluation system ca...

Israel steps up pounding of Gaza after collapse of truce

Published Fri, 22 Nov 2024 01:43:46 GMT

The Israeli military on Saturday stepped up its bombing of Gaza Strip, intensifying its renewed bombing on the second day after a truce between Israel and Hamas collapsed, with Israel accusing Hamas of violating the terms of the agreement.The Israel Defense Forces IDF said on X on Saturday that Israeli strikes hit a total of over 400 terrorist targets in Gaza, including more than 50 targets in the area of Khan Yunis and an Islamic Jihad operational command center inside a mosque, as well as military targets used by Hamas Naval Force.The BBC reported that hundreds of Gaza residents were seen leaving to the western part of Khan Yunis after the Israeli army on Friday dropped leaflets over the area warning people to leave.Belgian Prime Minister Alexander De Croo earlier Saturday said he had spoken with Israel’s president following the resumption of fighting in Gaza and told him there could be no more killing of civilians. “I’ve addressed my concerns about the fact ...

Poland’s new parliamentary majority hits its first legislative snag over wind power rules

Published Fri, 22 Nov 2024 01:43:46 GMT

WARSAW — A bid to pass a new law easing rules for wind farms is turning into a legislative mess for the newly elected majority in Poland’s parliament. A legislative proposal, submitted to the parliament by Civic Coalition and Poland 2050 — two of the four parties forming a coalition expected to take power in early December — added last-minute changes aimed at the development of wind projects to a draft text otherwise focused on freezing energy prices for households and vulnerable users.It’s an effort to undo years of policy by the outgoing Law and Justice (PiS) party, which largely froze the development of onshore wind power. But the way it was done opened opposition parties to the charge that they were undermining their election campaign pledge to restore legislative procedures often ignored by PiS during its eight years in power, when so-called “throw-ins,” or amendments unrelated to the main bill, were common. The move is also seen as a ploy to outmaneuver P...

Fire crews battling two-alarm blaze at three-storey home in midtown

Published Fri, 22 Nov 2024 01:43:46 GMT

No injuries have been reported at a two-alarm house fire in midtown.Fire crews were met with heavy smoke and flames from a three-storey home on St. Clair Avenue West, just west of Avenue Road, when they arrived just before 5:30 a.m. Saturday.Firefighters say an offensive attack was initiated and a primary search of the residence was carried out but they found no one at the home. Crews have since switched to a defensive mode to try and bring the blaze under control.Paramedics are on the scene but say they have not transported anybody to hospital at this point.

Man in life-threatening condition after North York stabbing

Published Fri, 22 Nov 2024 01:43:46 GMT

A man is fighting for his life following an early morning stabbing in North York.Police were called to the area of Upper Canada Drive and Lord Seaton Road just after 4:30 a.m. Saturday.When they arrived they found a man suffering from a stab wound. He was transported to a nearby trauma centre with life-threatening injuries. There was no immediate suspect description.

7 suspected illegal miners dead, more than 20 others missing in landslide in Zambia

Published Fri, 22 Nov 2024 01:43:46 GMT

HARARE, Zimbabwe (AP) — Seven suspected illegal miners were confirmed dead and more than 20 others were missing and presumed dead after heavy rains caused landslides that buried them inside tunnels they had been digging at a copper mine in Zambia, police and local authorities said Saturday.No bodies had yet been retrieved after the landslides late on Thursday night, police said. Many of the victims were believed to have drowned.The miners were digging for copper ore at the Seseli open-pit mine in the copper-belt city of Chingola, around 400 kilometers (250 miles) north of the capital, Lusaka, according to police. The landslides happened some time between 9 p.m. and 10 p.m. on Thursday, police said.Police gave names or partial names of seven confirmed victims and said all of the miners in the tunnels are “suspected to have died.” Police didn’t say how many miners in total there were in the tunnels but Chingola District Commissioner Raphael Chumupi told The Associated Press that...

At UN Climate talks, oil companies pledge to combat methane; Environmentalists call it “smokescreen”

Published Fri, 22 Nov 2024 01:43:46 GMT

DUBAI, United Arab Emirates (AP) — Fifty oil companies representing nearly half of global production have pledged to reach near-zero methane emissions and end routine flaring in their operations by 2030, the president of this year’s United Nations climate talks said Saturday, a move that environmental groups called a “smokescreen.”The announcement by Sultan al-Jaber, president of the climate summit known as COP28 and head of the Abu Dhabi National Oil Co., comes as he and others have insisted his background would allow him to bring oil companies to the negotiating table. Al-Jaber has maintained that having the industry’s buy-in is crucial to drastically slashing the world’s greenhouse emissions by nearly half in seven years to limit global warming to 1.5 degrees Celsius (2.7 degrees Fahrenheit) compared with pre-industrial times.The pledge included major national oil companies such as Saudi Aramco, Brazil’s Petrobras and Sonangol, from Angola, and multi-natio...

1 dead, 1 critical after car ends up in Lake Ontario

Published Fri, 22 Nov 2024 01:43:46 GMT

One man is dead and another is in critical condition after a vehicle ended up in the water in the Port Lands.Police say they were called to Polson Street just off Cherry Street shortly after 3:30 a.m. Saturday. When they arrived they found a car with two people in the water. One person was later pronounced dead at the scene while paramedics say a second man was taken to a nearby trauma centre with critical injuries. Both men are believed to be in their late 20s – early 30s. There is no word yet on what may have led up to the car ending up in the water.

Amid housing crisis, decrepit N.L. jail seen as preferable to living on the street

Published Fri, 22 Nov 2024 01:43:46 GMT

ST. JOHN’S, N.L. — Michael Keough has to pause in the middle of his phone call from Newfoundland and Labrador’s largest jail to cough and wipe his eyes — there’s black mould on the wall where the phones are, he explains, and it irritates him after a while.The 37-year-old is back at Her Majesty’s Penitentiary in St. John’s after declining a bail hearing in September and consenting to be placed on remand in the 164-year-old crumbling building, where an ongoing rodent infestation led to an inmate being bitten in his sleep.The conditions inside the penitentiary are horrific, Keough said. But outside, he said, they’re worse. Keough is homeless, and he was living in a tent and panhandling before his current stay at the penitentiary. When someone stole his tent and he had nowhere left to go, he started stealing food again, waiting to be picked up by police and sent back to jail, where he’d at least have meals and a bed.“If I was released on b...