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WiSA Technologies (NASDAQ: WISA) Enters into Asset Purchase Agreement with CompuSystems, Inc.
By Abby Badach Doyle, NerdWallet It won’t be impossible to buy a house in 2025 — just be prepared to play on hard mode. According to a November 2024 report from ICE Mortgage Technology, the monthly principal and interest payment on an average-priced home is $2,385. While that’s not the highest it’s ever been, it’s still a sharp increase — nearly 80% — from just three years ago. In November 2021, when mortgage rates averaged 3%, the monthly principal and interest on an average-priced home was $1,327 per month. So here’s the key to buying in 2025: Look ahead, not back. Regret won’t help you budget for today’s new normal. And with this year’s election also in the rearview mirror, so is some uncertainty among buyers and sellers that historically slows the market during every presidential election cycle. “People have just been kind of sitting waiting to see what’s going to happen,” says Courtney Johnson Rose, president of the National Association of Real Estate Brokers, an industry group for Black real estate agents. “I’m hopeful that the new year will bring more attention to real estate, more excitement to real estate, and more opportunities for first-time home owners to get in the game.” Check the forecast Preparing to buy a house is a lot like dressing for the weather. It’s easier when the outlook is sunny — but with some planning, you can gear up to face any condition. Here’s what housing market experts are forecasting for the upcoming year. First, home prices: We’ll likely see more modest growth in 2025, a change from skyrocketing prices in recent years. After 16 consecutive months of year-over-year price increases, the median existing-home sales price hit $407,200 in October, according to the National Association of Realtors. In 2025, with more supply trickling in to temper price increases, NAR chief economist Lawrence Yun forecasts a median existing-home sales price of $410,700, up just 2% over this year. Next, housing inventory: Demand still outpaces supply. While we don’t expect a return to a buyer’s market, competition should be less cutthroat. Realtor.com forecasts a balanced market in 2025 with an average 4.1-month supply of homes for sale, up from an average 3.7-month supply so far in 2024. That would make 2025 the friendliest market for buyers since 2016, which had an average 4.4-month supply. Finally, mortgage rates: After topping 8% in October 2023, the 30-year mortgage rate has slowly eased into the 6.5%-7% range this year. Rate cuts from the Federal Reserve have helped nudge that downward. Despite earlier optimism, forecasters’ latest consensus is for rates to effectively plateau above 6% throughout 2025. That said, every year has its wild cards. In 2025, it’s still uncertain how President-elect Donald Trump and a Republican-led Congress might shake up regulations and tax policies that affect the U.S. housing market. Set a budget National forecasts don’t analyze what matters most: Your personal cash flow. To get ready to buy, first meet with a financial advisor or use an online calculator to determine how much house you can afford . You can also get free or low-cost advice from a housing counselor sponsored by the U.S. Department of Housing and Urban Development (HUD). Next, look into down payment and closing cost assistance from state housing finance agencies, local governments, nonprofits and mortgage lenders. Your employer or labor union might offer assistance, too. First-time buyers with income below their area median have the most options, but repeat or higher-income borrowers can qualify for some programs as well. “I think that there’s a lot of free money being left out there,” Rose says. Find a buyer’s agent Your not-so-secret weapon for buying in 2025 just might be an experienced buyer’s agent. “Anybody can write a contract,” says Sharon Parker, associate broker with Tate & Foss Sotheby’s International Realty in Rye, New Hampshire. “But you need somebody who’s seen the market, the ups and downs, who knows how to get creative because every transaction is different.” Following a settlement with the NAR , buyers can now negotiate their agent’s compensation up front. (Previously, home sellers took on that task.) While new norms are still shaking out, Rose says she hasn’t seen too much drama since the change took effect in August. “So as long as buyers remember that we have to talk about this in the beginning of our relationship, everything typically works out fine,” she says. Shop and negotiate Finally, it’s time to shop for a mortgage. To get the best interest rate, get a quote with at least three different lenders. You could also delegate the shopping to a mortgage broker, who can compare quotes and even negotiate a lower rate on your behalf. Though brokers charge a fee, their access to more mortgage options and lower rates can often mean net savings overall. With a mortgage preapproval in hand, it’s go time. And you don’t have to wait until spring: If you’re ready to buy now, buyers have less competition and more negotiating power from December through February, so you could snag a deal. “The people who are selling and the people who are buying in the off season are very serious,” Parker says. “They’re not just lookie-loos.” However, lower inventory means fewer choices for buyers. So start your search prepared to compromise — a “good enough” house will still help you build equity. Should you buy a house in 2025? If a down payment or monthly mortgage payment is financially out of reach, there’s no shame in postponing your search to pad your savings. And owning a home isn’t the right lifestyle choice for everyone, with the ongoing commitment of money and time. But once you’re ready to buy — whether for the first time, or to upgrade or downsize — avoid the trap of waiting for a dip in mortgage rates. “Nobody can predict what the market, or the world, is going to do,” Parker says. “There is no better time than right now.” Mortgage rates will always fluctuate, and if they drop significantly, you can refinance. For first-time buyers, homeownership is a major financial glow-up — and the sooner you jump in, the longer you’ll have to build home equity. “Time value of money is really, really critical when it comes to real estate,” Rose says. “So I would always encourage somebody to buy as soon as you can and get the clock ticking.” More From NerdWallet How Much House Can I Afford? Is It a Good Time to Buy a House? Should I Buy a House? How to Tell If You’re Ready Abby Badach Doyle writes for NerdWallet. Email: abadachdoyle@nerdwallet.com. The article Buying a House in 2025: Your How-To Guide originally appeared on NerdWallet .
Lineage Explores Connection Between Food Infrastructure and Economic Development in New Research by Economist ImpactCLEMSON, S.C. (AP) — Clemson reserve guard Trent Howard will miss the 12th-ranked Tigers game with No. 16 South Carolina after tearing the ACL in his left knee at practice this week. Tigers coach Dabo Swinney announced Howard's injury Wednesday. The 6-foot-3, 295-pound fifth-year graduate has been a backup much of the season, but had to step into a starter's role due to injuries along Clemson's offensive line. “My heart breaks for him,” Swinney said. Howard came in on the second snap in a 24-20 win at Pitt two games ago when lineman Elyjah Thurmon was hurt on the first play. Thurmon had an ankle injury that required surgery and will not return this season. Howard got his fourth career start last Saturday in a 51-14 win over The Citadel. and was in line for another if injured starter Marcus Tate was unable to go after missing the past three games. Howard was listed as a backup at both right and left guard on this week's depth chart. The Tigers (9-2) face the rival Gamecocks (8-3) on Saturday. —- Get poll alerts and updates on the AP Top 25 throughout the season. Sign up here . AP college football: https://apnews.com/hub/ap-top-25-college-football-poll and https://apnews.com/hub/college-football
DELMUN 6.0: Perfect blend of rigorous diplomatic discourse and vibrant interactionsSave articles for later Add articles to your saved list and come back to them any time. If ever a year deserved to be summed up in a cheap meme, it was 2024. It was the year that felt like being awake during surgery . Sometimes the social media chuckle gallery hits the nail right on the head, but for all the spot-on accuracy of that assessment, it’s also a year that warranted a search for its better angels; a sifting through the flotsam and jetsam for the fairy dust and joy. And there were halos to be found if you looked hard enough. “This is the biggest show we’ve done on this tour or any tour,” Taylor Swift told the crowd of 96,000 at the MCG. Credit: Jason South There was, for instance, a moment back in February when the MCG – traditionally a place that brings the feels during footy in September or the cricket on Boxing Day – seemed to swallow the entire city in a joyous embrace as host to the largest crowd of Taylor Swift’s entire 149-show Eras Tour . It was a tour, and a show, unlike anything Australia or Swift herself had ever seen. “You’re making me feel like I get to play a show for 96,000 beautiful people in Melbourne tonight,” a visibly stunned Swift told the heaving crowd, which was boosted by several thousand more fans “Taylor-gating” outside the stadium. “This is the biggest show that we have done on this tour, or any tour, ever.” The Swiftian joyfest then moved north to Sydney, where the total turnout was even bigger (320,000 across four shows). “Sydney, you are making me feel absolutely phenomenal,” she declared. The feeling was clearly mutual and spread far beyond the venues. As she had done on other stops on the Eras tour, Swift proved a human tonic to everything that ails us — from economic worries (Swiftonomics became a subject worthy of study) to general social malaise. We spend much of our time worrying about the yoof; especially young women. Well, in 2024 Taylor Swift turned up to show us that the kids are alright. And she wasn’t alone. Swiftmania was the herald of what would become the year that “girl power” – a worn and slightly tatty ’90s concept – received a fresh, ferocious update for the 21st century as something deeper, stronger and powered by a kind of worldly-wise joy. Year of the brat Forget sense and sensibility; 2024 was all sass and sensibility. Sabrina Carpenter parlayed her supporting status on the Eras Tour into a blockbuster year that elevated her to near the very top of the tree with no need for Swift’s booster seat. In Carpenter, pop music added another voice that was savvy, sassy, sexy and smart — from the unavoidable bop of Espresso to the come-to-bed brashness of her smash album Short n’ Sweet . Charli XCX took things a step further. The British singer staked her claim to the year by giving 2024 a word, a colour and an attitude all wrapped up in one album – Brat . She summed it up like this: “You’re just like that girl who is a little messy and likes to party and maybe says some dumb things sometimes. Who feels herself but maybe also has a breakdown. But kind of like, parties through it, is very honest, very blunt. A little bit volatile. Like, does dumb things. But it’s brat. You’re brat. That’s brat.” Was 2024 the year of the brat? Charli XCX fans certainly thought so. If it doesn’t make sense to you, that’s probably because it isn’t meant to. But as a sensibility, it rode a cultural wave – the joy wave – so adroitly Kamala Harris even hitched her (ill-fated) Joy Wagon to the phenomenon. On a similar train was American Chappell Roan – dubbed the Joy Rebel of the Year – whose success confirmed young women were increasingly sailing different seas from the rest of the culture, and landing in happier places. Gold medal to Celine Dion’s Paris Olympics performance. Credit: Screengrab by IOC via Getty Images In July, it was a diva of a different era who elevated the Paris Olympics, as a wet and occasionally weird opening ceremony gave way to the thing we mostly remember about it – the moment we heard the voice and then spotted the figure of a glistening Celine Dion perched within the Eiffel Tower . It was a moment of extraordinary power – of personal resilience and vocal artistry – that lifted the event out of the damp Paris streets and elevated it to a moment of genuine collective emotion. Paris in summer was where we went looking for hope during the Australian winter, and our team delivered. Well, the women did anyway, bringing home 13 of the 18 gold and 27 of the 45 medals overall for our greatest Games ever. Alongside the usual heroics in the pool ( Kaylee McKeown became the first Australian to win four individual gold was one stand-out among a team of them) there were more eccentric goings-on elsewhere in the Olympic city. You could, if you so chose, react to Rachael “Raygun” Gunn’s zero-point car crash with a scowl and a sneer, and many did, but the open-hearted were able to see the funny side. As were comedians around the world, who found in the Australian breakdancer one of the year’s true unifying comedic moments . In a year of much misery, this achievement should not be underappreciated. There were happy cultural warriors elsewhere, too. In Hollywood, Nicole Kidman seemed to star in every other movie and series – as Steve Martin quipped at the Emmys , “when I see an actor I don’t know, I just say, ‘I loved your scene with Nicole Kidman’, and nine times out of 10, I’m right”. Our Nic took time out from starring in everything to win everything. This included inhaling the very rare air of an American Film Institute Life Achievement Award . Flying the flag for the younger generation, Adelaide’s Sarah Snook carted home an Emmy and a Golden Globe and warmed up for her 2025 Broadway run in The Picture Of Dorian Gray with a Laurence Olivier Award for the same tour de force in London. Ms Everywhere: It was a big year for Nicole Kidman. Credit: Dave Benett/WireImage Loyalty to royalty Acting royalty elevated us to higher planes. Garden variety royalty also played its part. Mary Donaldson, erstwhile of Hobart and Sydney, became Queen of Denmark in January, giving hope to everyone who met someone in a bar during the Sydney Olympics almost 25 years ago. You don’t have to love royalty to breathe the occasional sigh of relief at the distraction they provide from the daily grind, and you don’t have to be a monarchist to be pleased that the Princess of Wales faced and emerged from a cancer diagnosis in strong and dignified spirit. In the natural world, bad news abounds when it comes to climate change – but there were bright spots. Did you know Britain closed its last coal power station in September ? Or that renewables surged even in the US, where wind generation outpaced coal for the first time? Or that in the Amazon, deforestation reached record lows this year? It did. All is not lost yet. For some old-fashioned cheer from Mother Nature, you could wallow in dog and cat videos on social media (and millions of us did) – or you could turn your gaze to another heroine we didn’t know we needed, the Tay Tay of the Choeropsis liberiensis world. In September, the world fell in love with Moo Deng , a pygmy hippo, a girl whose social media fame drew attention to the plight and past of her species. Who knew the pygmy hippo came with a history this rich, star of a Liberian legend in which Moo Deng’s kind find their way through the forest at night by carrying diamonds in their mouths to light the way? This pigmy hippo has become a viral sensation. Credit: Khao Kheow Open Zoo Now we know, and we are the better for it. Closer to home, Pesto the king penguin gained global fame as a social media superstar , famous on TikTok as the largest chick Melbourne’s Sea Life aquarium has ever seen. Big, beautiful and comfortable in his own skin, Pesto was the kind of hero – “calm, curious and friendly” – we needed in a year when male humans to admire were thin on the ground. For other bright lights in the darkness, we needed look no further than our own southern skies, with the return on several occasions of the Aurora Australis , which made rare and spectacular appearances as far north as Queensland in May, September and October. Scientists and citizens alike were dazzled by a liquid light show of pinks and whites and purples and greens. Was there a better symbol of hope than this – a phenomenon named for Aurora, the Roman goddess of dawn, announcing the arrival of a new day? It was as if we had been given a celestial preview of what would become the year’s biggest cultural event, one that also asked us to look skyward – or in the words of the song of the year, Defying Gravity , “look to the western sky”. Bright lights, all right. Aurora Australis seen in Victoria. Credit: Facebook/Travis Carroll The screen adaptation of Wicked landed in cinemas in mid-November, amid one of the strangest promotional tours in memory and hot on the heels of an American political earthquake two weeks earlier. The weird on-camera adventures of Cynthia Erivo and Ariana Grande were at times almost as entertaining as the film they starred in. And the movie’s storyline, adapted from the 2003 stage musical, could have been taken as a contemporary riff on the state of the world , very specifically, at the end of 2024. Ariana Grande and Cynthia Erivo star in Wicked. Credit: Out.com Wicked is a tale of defiance and friendship forged in the most difficult of circumstances; of surmounting challenges and differences; of flying, literally, in the face of a world that seeks to define you. It was, as so many of the hopeful things were in 2024, a message delivered by and to young women startling in their confidence and talent, happy to defy the doom with which the times seek to burden them. The song that ends the film became the year’s musical battle cry – a moment when art and heart met irresistible force, and art and heart won. If ever a year needed an anthem , it was this one – and in Defying Gravity it found it. In a year that insisted we be sad and scared – or summed up in a cheap meme – it was proof there was still space for hearts and minds to soar. Start the day with a summary of the day’s most important and interesting stories, analysis and insights. Sign up for our Morning Edition newsletter .
