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7bet online Harrison Smith Returns to Practice in Latest Minnesota Vikings Injury ReportAnthem Blue Cross Blue Shield reverses decision to put a time limit on anesthesiaMortgage rates ended 2024 with a bang – but not the kind that’s good for borrowers. And for anyone in the market for a home – or a refinance – 2025 may not be much kinder. In the week ending Dec. 26, the 30-year fixed-rate mortgage averaged 6.85%, mortgage guarantor Freddie Mac said Thursday . The popular loan product averaged 6.72% throughout the year, compared to 6.81% throughout 2023, even as the Federal Reserve cut its benchmark interest rate three times in 2024. It’s not surprising that mortgage rates haven’t followed bank interest rates downward. As USA TODAY has previously reported, rates for home loans take their cue from the bond market , which the Fed does not directly influence. The bigger question is what will happen in 2025. As analysts and housing market watchers have noted repeatedly, multiple factors may keep inflation simmering in the coming months. Buy that dream house: See the best mortgage lenders The fiscal policies promised by President-elect Donald Trump are the big one. Bright MLS Chief Economist Lisa Sturtevant had this to say after the November election : “Bond yields are rising because investors expect Trump’s proposed fiscal policies to widen the federal deficit and reverse progress on inflation.” More: Lock in a mortgage rate after the Fed cuts? This might be your last chance On Dec. 19, the day after t he Fed delivered its final interest rate cut of 2024 , Apollo Global Management’s Torsten Slok wrote in a note to clients, “The strong economy, combined with the potential for lower taxes, higher tariffs, and restrictions on immigration, has increased the risk that the Fed will have to hike rates in 2025. We see a 40% probability that the Fed will raise interest rates in 2025.” That could mean a repeat of 2022, Slok added: inflation that’s too high, rising interest rates, falling stock prices. In the housing market, 2022 wasn’t an awful year. Some 503,000 previously-owned homes were sold that year, versus 409,000 in 2023, and likely about that many this year. One big difference is the price of homes. Throughout 2022, the median price of homes sold was $392,800, while the median sale price in November 2024, the most recent data available, was $406,000. Will prices have to dip slightly to get back to a stronger pace of sales, particularly if rates remain elevated? Analysts say no, unfortunately. “Elevated mortgage rates will cause many homeowners to hang onto their homes − and the low rates they have locked in,” wrote Redfin Senior Economist Sheharyar Bokhari in a recent analysis. “That means there will be enough buyers competing over a relatively low number of homes to keep prices ticking up consistently.”

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49ers' visit gives Packers a chance to damage the playoff hopes of their postseason nemesis

NoneSANTA CLARA, Calif. (AP) — Getting blown out at Green Bay following another squandered late lead the previous week against Seattle has quickly turned the San Francisco 49ers from a Super Bowl contender into a team just fighting to get back to the playoffs. If San Francisco doesn't get healthy and eliminate the errors that led to Sunday's 38-10 loss to the Packers, the focus will turn from playoff permutations to what offseason changes are necessary. “I think everyone understands completely outside and inside what the situation is,” coach Kyle Shanahan said Monday. “That’s why the Seattle game was so tough of a loss and that’s why last night was even worse. We know what we got ahead of us. We know exactly what the playoff situation is. That is what it is. But really, all that matters is this week when you do need to go on a run and put a lot of wins to even think of that.” The task doesn't get any easier as the Niners (5-6) get set to play at Buffalo on Sunday night. The 49ers are hoping to get injured stars Brock Purdy , Nick Bosa and Trent Williams back for that game, but their presence alone won't fix everything that went wrong on Sunday . The defense got repeatedly gashed early and put San Francisco in a 17-0 hole before the offense even generated a first down. The running game never got going as Christian McCaffrey has looked nothing like the 2023 Offensive Player of the Year in his three games back from Achilles tendinitis. And whenever the Niners appeared to do something right, a penalty came back to haunt them. It added up to the most lopsided loss for San Francisco since the 2018 season, before Shanahan had turned the Niners into perennial contenders. “It’s probably one of the worst ones I’ve been a part of,” linebacker Fred Warner said. “It is embarrassing. You’ve got to take it on the chin, take it like a man and move on.” Despite the doom and gloom, the 49ers are only one game behind Seattle and Arizona in the NFC West standings with six games to go. But San Francisco already has three division losses and a difficult schedule featuring games against the Bills this week and Detroit in Week 17. “My optimism is not broken by any means,” tight end George Kittle said. “We still have a lot of very talented players. We will get some guys back and I still have full trust in the coaching staff to put our guys in position to make plays. I have no worry about that. But definitely an uphill grind. We'll see what we’re made of, which I’m looking forward to.” Red-zone passes to Kittle. Backup QB Brandon Allen connected on a 3-yard TD pass to Kittle late in the second quarter for San Francisco's only TD. Kittle leads the NFL with eight touchdown catches in the red zone, which is tied with Vernon Davis (2013) for the most in a season for a Niners player since 2000. Kittle was the only consistent part of the San Francisco offense with six catches for 82 yards. Avoiding penalties. San Francisco had nine penalties for 77 yards and they were costly and sloppy. The Niners had 12 men on the field on defense on back-to-back plays, three false starts, a pass interference in the end zone and three penalties on special teams, including a holding on Eric Saubert that negated an 87-yard kickoff return by Deebo Samuel to open the second half. Rookie Dominick Puni had three penalties after being penalized just once in the first 10 games. DE Leonard Floyd. There were few positive performances on defense, but Floyd had both of the team's sacks. Run defense. San Francisco allowed 169 yards rushing, including 87 in the first quarter for the team's second-worst performance in the opening quarter since 1991. The Niners missed 19 tackles, according to Pro Football Focus, as Josh Jacobs gained 83 of his 106 yards rushing after contact. Purdy took part in a light throwing session without pain on Monday and Shanahan is hopeful he can return to practice Wednesday after missing the Green Bay game with a shoulder injury. ... Bosa (hip, oblique) and Williams (ankle) also could return this week after sitting out Sunday. ... LG Aaron Banks, DT Jordan Elliott and WR Jacob Cowing all in the concussion protocol. ... RG Dominick Puni (shoulder) and CB Deommodore Lenoir (knee) underwent MRIs on Monday and the team is waiting for results. ... CB Renardo Green (neck) and LB Demetrius Flannigan-Fowles (knee) are day to day. 11 — The Niners generated only 11 first downs, tied for the fewest in any game in eight seasons under Shanahan. They also had 11 in the 2022 NFC title game loss at Philadelphia when Purdy hurt his elbow and in Week 2 against Seattle in Shanahan's first season in 2017. The 49ers visit Buffalo on Sunday night. AP NFL: https://apnews.com/hub/NFLTEMPE, Ariz. (AP) — Caleb McCullough was there for the dark times at Arizona State, when the losses piled up and the cloud of an NCAA investigation was hovering over the program. The senior linebacker opted to stick around, believing in coach Kenny Dillingham's vision for a better future. It came sooner than anyone outside the program expected. "I’m doing whatever I can to win,” McCullough said. “I’m not really a stat player. This is my last year of college and my main goal is just to win.” The Sun Devils are doing just that, becoming one of college football's biggest surprises along the way. Picked to finish last in its first Big 12 season, Arizona State (8-2, 5-2 Big 12) now controls its destiny for a spot in the conference title game. The 21st-ranked Sun Devils have already clinched their first bowl berth since 2021, the year they were last ranked in the AP Top 25 before this week. Arizona State has taken down two ranked teams this season, 27-19 over then-No. 16 Utah on Oct. 11 and 24-14 at then-No. 20 Kansas State last weekend. The Sun Devils will play their biggest home game in recent memory against No. 14 BYU on Saturday , the first home game between ranked teams in Tempe since 2014. Beat the Cougars and Arizona State can clinch a spot in the Big 12 Championship on Dec. 7 in Arlington, Texas, with a win over rival Arizona in the regular-season finale. “It means a lot to these guys to come in here with that chip on their shoulder and do something that really nobody thought we could do,” Dillingham said. Arizona State faced adversity on and off the field when Dillingham arrived in 2023. After winning eight games in 2021, the Sun Devils went 3-9 the following year while under investigation by the NCAA, a combination that led to the firing of Herm Edwards during his fifth season here. Dillingham had success as Oregon's offensive coordinator and brought the requisite enthusiasm of being a young — he was 32 at the time — first-time head coach returning to his alma mater. Despite rallying the community around the program, Dillingham fell into hard luck his first season in the desert. The Sun Devils were decimated by injuries, particularly at quarterback, and never recovered, finishing 3-9 for the second straight season. But Dillingham had the pieces in place. He proved to be adept at finding the right players through the transfer portal, landing former Sacramento State running back Cam Skattebo two years ago and former Michigan State quarterback Sam Leavitt prior to this season. The hard-running Skattebo has been one of the nation's best running backs and Leavitt has been a perfect fit for Arizona State's offense, making good decisions while extending plays with his legs. The portal success extends across Arizona State's roster and Dillingham has sprinkled in solid recruiting classes while convincing key players to remain, a combination that's meshed into a team that could crash the College Football Playoff if the pieces fall just right. “We were a three-win team twice,” Dillingham said. “We were under NCAA sanctions. Most head coaches, to be brutally honest, get fired if you take a job under sanctions. You don’t survive. You’re hired to be fired. That’s the nature of the beast and right now we’re sitting here at 8-2, and I couldn’t be prouder." Dillingham's vision for a better future, one the rest of the country didn't see coming, is here and now. AP college football: https://apnews.com/hub/ap-top-25-college-football-poll and https://apnews.com/hub/college-football