Real Estate Home & Keys

What To Expect From The US Housing Market In 2021 recently released their annual housing predictions report for next year. For 2021, the site is projecting record-high prices and a continuous rise in pricing due to an increased desire to sell after the Covid-19 pandemic. Mortgage interest rates hit record lows within the past year which helped fuel the housing market as the pandemic worsened, however, it’s predicted that these rates will also increase in the new year, which would make monthly housing payments more expensive. 

The pace of these pricing increases, however, will likely be slow. In general prices are expected to jump by 5.7% total as a result of more properties being placed on the market. Real estate industry heads are expecting the second half of the year will be full of houses on the market, because at that point a vaccine will likely be heavily distributed and in-person showings/open houses will hopefully be able to resume normally. 

“We expect affordability to become a bigger challenge, it’s going to make housing more expensive. But home prices will rise slower than this year.”

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Danielle Hale is a Chief Economist for, who also predicted that mortgage rates will begin to slowly increase within the second half of 2021. The current rate is at an all time low of 2.7%, however, it’s projected to increase to 3.4% by the end of next year. While that increase isn’t that intense, and will likely take the whole year, the residual increasing in preexisting mortgage payments will be noticeable. 

On a more positive note, sales of existing homes on the market, and future listings, are expected to increase by 7% in 2021, which would be amazing for the economy overall. This will be a direct result of individuals finally being able to leave their homes and seek a new property with features that they missed within the past ten months of lockdown. 

“Home prices can’t outpace income growth indefinitely. The higher prices rise, the harder it is for more buyers to get into the market. That tends to dampen demand.”

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Again, most experts are expecting to see a more positive change in the second half of 2021 under the assumption that at that point a majority of the country will be vaccinated and the industry will return back to almost full normalcy. There’s no doubt that they’ll be plenty of houses on the market, the problem will come if there’s enough demand to meet the supply; especially considering the fact that America is also involved in yet another economic crisis that has left tens of millions of citizens unemployed. 

It’s also predicted that houses currently being developed and future residential construction projects will drive the market back up for individuals looking to rent. According to Hale, however, it’s all going to be dependent on every buyer/seller’s local market and economy: “Sellers are still expected to get top dollar for their home sales, the biggest challenge is finding their new home.”

If the nation undergoes a second lockdown in the beginning of 2021, as president-elect Joe Biden claims we will be, then fewer homes will also be placed on the market for obvious reasons, causing the market to slow tremendously. However, when it comes down to it, we’re talking about people’s lives over the US housing market, so it should be a no-brainer.

Covid Studies

Researchers Pressured To Focus On Sex Differences In Covid-19 Studies 

When it comes to medical research in general, unless a disease or virus has proven to only impact one sex over the other, men and women are often grouped together in terms of how doctors experiment to catch and fight new diseases. However, this process can be quite deadly, for example in the late 1990’s a heart drug named digoxin was marketed as being effective and safe, but after a while women were noticing a higher-rate of negative side effects when compared to men who took the drug. 

After further research it was discovered that the drug was actually attributing to a higher mortality rate in women but was decreasing mortality in men. So when it comes to the Covid-19 pandemic, some experts are wondering why there isn’t more of a focus on how this virus affects the sexes differently, if at all. 

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Covid-19 seems to be impacting all demographics relatively equally, however, it’s already been thought of that men are twice as likely to die from the virus as women. That said, the main researchers around the world that are focusing on treatments for this virus are paying little to no attention to the variations in how it impacts an individual based on their biological sex. 

One study showed that only 416 of the 2,484 Covid-19 clinical trials currently occuring around the world account for sex/gender as a criteria for volunteer recruitment. When research around the malaria treatment drug hydroxychloroquine (HCQ) was saturating media timelines a few months ago, studies showed that the drug caused heart-rhythm side-effects that could be deadly. These side effects, however, were mainly occurring in women. 

There is a general recognition today that women aren’t as heavily involved in clinical trials as men. One of the known reasons for this is due to a series of birth defects and other problems resulting from fetal exposure to certain experimental drugs during clinical trials between the 1940s and 1970s. These defects created a massive ripple effect of scientists excluding women from medical trials if they’re at an age when they’re still fertile. 

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Systemic racism in general has also caused a lot of scientists to view caucasian males as the “normal” when it comes to population types, therefore however their bodies react to whatever treatment is being tested will be universal for everyone else. Back in 2001 10 different drugs were pulled from the market after it was discovered that 8 of them were posing greater health risks for women over men due to a lack of inclusion in trials. Londa Schiebinger is a history of science professor who recently discussed the importance of sex analysis in clinical trials. 

“The problem is, if you don’t do sex analysis – if males and females have very different responses – you could miss accurate data on everybody.”

Many research funding agencies now have requirements for sex analysis’ in trials. Women have different hormone types and levels than men. They also have smaller kidneys and more fat tissue which is extremely important when it comes to medical research and dosage information. When it comes to infectious diseases, such as Covid-19, women are proven to have stronger immune systems in general due to their double X chromosomes. So in the same regard, ensuring that equal parts men and women are involved in all Covid trials is imperative for measuring all types of immune responses to this unpredictable virus.


Lawyer Reviews Democrats’ Arguments in Impeachment Trial

Devin J. Stone is a practicing lawyer whose YouTube channel looks at various elements in popular culture from the perspective of the law. In his latest video, he examined the arguments that have been presented in the trial so far, which includes those expressed by impeachment managers from the House of Representatives, led by Intelligence Committee Adam Schiff, that the president abused his office by soliciting campaign interference from Ukraine and obstructed Congress by trying to cover up their investigation into his alleged wrongdoing. In the video, Stone accuses the Republicans of arguing contradictory points; that it’s simultaneously too late and too early to call witnesses in the trial, and also that the Democrats should wait for the courts to decide whether White House officials are allowed to ignore congressional subpoenas and that the courts have no right to decide this type of question.

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Republicans voted along strict party lines to block 11 amendments proposed by Minority Leader Chuck Schumer that would have ensured witnesses be called during the trial and additional subpoenas issued, but also complained that Democrats presented nothing new at the trial, as if they weren’t directly responsible for that being the case. Stone also commented on the marathon nature of the proceedings, as arguments were heard for hours on end and went long into the night, which is likely to fatigue both the senators trying the case and the American people, likely an intentional move on the Republicans’ part, as they were the party who set the rules for the impeachment trial and also the party most interested in preventing the facts about the case from becoming known among the general public.

Stone also observed the various ways the impeachment of Trump differs from the impeachments of past presidents, most notably how the investigation of Trump was by necessity conducted by Democrats instead of by an independent counsel, and that the investigation was not exhaustively concluded before the articles of impeachment were sent to the Senate. As Attorney General William Barr was unwilling to appoint an independent counsel to investigate Trump, Democrats had to do it themselves, raising separation-of-powers questions and potentially causing legal problems for the Democrats later on.

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Additionally, Stone also discussed the theory floating around the Internet that Chief Justice John Roberts can intervene more heavily in the trial, forcing witnesses to be called and documents to be produced. As expected, however, Roberts intervened very little in the trial, with his only extemporaneous comment being an admonishment of the hostile tone of both the prosecution and the defense during the first day of the trial. Stone said that he expected Roberts to do more of the same, fading into the background as arguments were heard, as presiding justices in past impeachment trials have taken a similarly passive role and “both sides-ing” the issues.

Finally, Stone pointed out the ridiculousness of the fact that Trump, in Davos, commenting about how the fact that the administration withheld evidence from the trial gives him an advantage in the trial, seemingly bragging about his obstruction of congress, one of the offenses he was impeached for. Truly, we live in interesting times.