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'Mrs. Doubtfire' house hits the market for $4.5 million

Real estate shoppers who are willing to shell out $4.45 million can now purchase a piece of entertainment history. 

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The San Francisco home featured in "Mrs. Doubtfire" hit the market with a multi-million dollar price tag this week.

The home, featured in the 1993 film starring Robin Williams, is located at 2640 Steiner Street. It was the site of a memorial for the Bay Area-based actor after he committed suicide in Aug. 2014, and it remains an "unofficial memorial," according to KGO-TV.

The three-story Victorian house has four bedrooms, three-and-a-half bathrooms and sits overlooking the San Francisco Bay. It also features a marble bath tub and two-person shower, "garden/patio for al fresco enjoyment," an office/family room, foyer, a remodeled kitchen, space for a personal gym and a multi-car garage. According to E! News, "a piece of the garage actually lifts your car up into the air so you can park a second one under it."

"Because it's built on a wide corner lot, the public rooms are large-scale and the home has an open feel," said listing agent Steven Gothelf of Pacific Union Christie's International. 

The home, built in 1893, is approximately 3,300 square feet.

The current owner, Douglas Ousterhout, is a surgeon who has specialized in facial feminization surgery for transgender patients. He purchased the home in 1997 for $1.395 million, according to the San Francisco Gate. The Gate reported that Ousterhout is selling the home to retire in the wine country.

See more at 2640steiner.com.

Your Capital One Credit Card Could Help You Score Jingle Ball Tickets

Getting tickets to the Jingle Ball tour each winter is no easy task, as each stop tends to sell out within minutes. But landing one of these coveted tickets just got a bit easier for Capital One cardholders. Consider it an early Christmas miracle.

According to an email from a Capital One spokesperson, any Capital One cardholder “is eligible to take advantage of the early ticket sales,” which will happen October 13 at 10 a.m. local market time for each of the 12 cities on the tour. This gives cardholders access to tickets three days earlier than when they go on sale to the general public. Cardholders can order up to eight tickets per transaction and must use their Capital One card to pay, according to the spokesperson.

Plus, one cardholder at each of the tour stops will win the opportunity to head up on stage and announce an artist at the performance. This is the second year Capital One has partnered with iHeart Radio to put on the Jingle Ball concert series.

If you’ve been hoping to catch an up-close glimpse of Charlie Puth or Fifth Harmony — two of the artists announced for the tour (full lineup is expected to be announced October 11) — this card benefit may give you your golden ticket. But, while exclusive entertainment access can be a great perk — and is offered by many different credit card issuers— it may not be in your best interest to buy concert tickets you can’t afford just because you can get them. It’s also not might not be in your best interest to apply for a new credit card just to score access.

Before you sign up for any new credit card, you should read the terms and conditions to be sure it’s right for you. It’s also good idea to review your credit, as having good credit can help you qualify for better terms and conditions. (You can see a free snapshot of your credit report, updated every 14 days, for free on Credit.com.) If you review your credit profiles and discover things aren’t quite where you want them to be, there are things you can do. Consider fixing any errors you discover, paying down debt and limiting any credit inquiries until your scores rebound.

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

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This article originally appeared on Credit.com.

Green Dot Launches Secured Credit Card: What You Need to Know

Green Dot Corp., a company best known for its prepaid debit card products (and celebrity endorser Steve Harvey), is now offering a secured credit card. Like most secured credit cards, the Green Dot Platinum Visa Secured Credit Card is “designed to help people with no prior credit history or those with poor credit scores build a positive credit history,” according to a press release.

That’s the standard pitch in the secured credit card world: Almost anyone can get one, so you can get in. For the most part, all you need to do is be able to pay a deposit and, sometimes, an annual fee, and then you can use the secured credit card just like any other credit card: Buy things with it, and when your bill comes each month, make sure you pay it on time. If you don’t pay your bill, the bank can take your deposit. (We rounded up some of the best secured cards in America and also have an expert guide to secured credit cards here.)

The Specs

Anyone in the market for a credit card should carefully review the terms of the cards they’re considering. Here’s what potential cardholders will want to know about the Green Dot Platinum Visa Secured Credit card.

Deposit: The minimum deposit is $200. So, if you make that $200 deposit, your credit limit would be $200. The maximum credit limit available is $1,000. Consumers can apply online, and once they receive their card, they can start using it as soon as they make their deposit. For a $4.95 fee, cardholders can make deposits at a Green Dot retailer (like CVS, Walgreens and Wal-Mart, among others). Some retailers can only accept a deposit of $500, so if you’re approved for a higher credit limit, you will need to mail the difference in deposit to Green Dot Bank. Wal-Mart can accept deposits up to $1,000. Cardholders also have the option of sending their deposit by mail, which takes 10 days to process, so you can’t use the card immediately upon receiving it. Green Dot Bank holds onto your deposit.

Bank Account: You do not need a bank account in order to get the card (some secured cards require cardholders to have a bank account to make their deposit and regular payments).

Credit Reporting: Green Dot reports secured credit card activity to the three major credit reporting agencies: Equifax, Experian and TransUnion.

Fees: There’s a $39 annual fee, which comes out of your deposit. “If you are assigned the minimum credit limit of $200, your initial credit will be only about $161,” the card disclosure says. You must pay a $4.95 service fee to make the deposit at a retail location. Paying your monthly bill at a retail location carries a $4.95 fee. Late payments and returned payments each result in a fee up to $27. Cash advance fees are the greater of either $10 or 3% of the advance. Foreign transactions assess a 3% fee on each transaction in U.S. dollars.

Interest Rate: The Green Dot Platinum Visa Secured Credit Card carries a 19.99% APR.

Payment: You can pay your bill online, at a participating retailer or by mail. Paying your bill online requires having “an account with Green Dot, or with any other bank,” according to a Green Dot spokesperson. There are no fees for using online bill pay or paying by mail, but paying at a participating retailer costs $4.95.

Moving Up: At the moment, there is no option for “graduating” from the Green Dot secured card to a standard, unsecured credit card, but the spokesperson said there are plans to do that in the future. Cardholders can request a credit limit increase, which requires adding to their security deposit.

Who Is Green Dot?

Plastic is nothing new for Green Dot, but this is the company’s first credit card. Green Dot offers an array of prepaid debit cards, including the Wal-Mart MoneyCard, which was in the news earlier this year when hundreds of cardholders were unexpectedly locked out of their accounts. The secured card may appeal to many of the same people who gravitate to prepaid debit cards: People without bank accounts and/or who are unable to get credit cards because of a poor or nonexistent credit history. Green Dot touts its network of retail partners as a plus for customers who live in underbanked areas.

Building Credit With a Secured Card

The best thing you can do when using a secured credit card is make all your payments on time, as payment history has the largest bearing on your credit scores. The second most important thing is using as little of your available credit as possible: Credit scoring companies generally recommend you use less than 30% of your available credit, so if you’re only approved for a $200 limit on a secured card, that means you’d want to keep your balance below $60. (Paying your balance in full each month is a good way to keep that balance from creeping up.) It’s a good idea to keep an eye on how your credit-building efforts progress, which you can do by getting a free credit report summary on Credit.com, updated every 14 days. Keep in mind it generally takes six months of activity to establish a scoreable credit history.

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

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This article originally appeared on Credit.com.

Housing Costs Are Rising Faster Than Incomes, Study Finds

Homes are unaffordable in more American cities than any time since the recession began, and housing costs are rising far faster than incomes, according to a study released Thursday by ATTOM Data Solutions.

During the third quarter of 2016, 24% of U.S. counties were less affordable than historic averages, up from 19% one year ago, the firm said; that’s the highest rate since the third quarter of 2009.

Ironically, affordability increased in the nations’s most-expensive areas, such as Northern Virginia and Brooklyn, N.Y. — probably because years of high price growth have finally started to level off, the report found.

The study uses an affordability index to measure whether homes for sale are more or less affordable relative to incomes. The index is based on the percentage of average wages needed to make monthly mortgage payments on a median-priced house with a 30-year fixed rate and a 3% down payment, including property taxes and insurance.

The report found that 101 of the 414 counties analyzed had an affordability index below 100. That means a median-priced home in that county was less affordable than the historic average for that county, as determined by ATTOM, the report said.

“The improving affordability trend we noted in our second quarter report reversed course in the third quarter as home price appreciation accelerated in the majority of markets and wage growth slowed in the majority of markets as well as nationwide, where average weekly wages declined in the first quarter of this year following 13 consecutive quarters with year-over-year increases,” Daren Blomquist, senior vice president at ATTOM Data Solutions, said in a press release. “This unhealthy combination resulted in worsening affordability in 63% of markets despite mortgage rates that are down 45 basis points from a year ago.”

The counties whose prices are less affordable than their historic averages include:

  • Harris County (Houston), Texas
  • Kings County (Brooklyn), New York
  • Dallas County, Texas
  • Bexar County (San Antonio), Texas
  • Alameda County, California, near San Francisco

Meanwhile, affordability improved in 153 counties (37%), including pricey spots like Marin County, California, in the San Francisco Bay Area and Arlington, Virginia (5%).

“Some silver lining in this report is that affordability actually improved in some of the highest-priced markets that have been bastions of bad affordability, mostly the result of annual home price appreciation slowing to low single-digit percentages in those markets” Blomquist continued. “This is an indication that home prices are finally responding to affordability constraints — a modicum of good news for prospective buyers who have been priced out of those high-priced markets.”

But that good news ends there. Any relief provided by improvement in household wages, as suggested by the recent Census report, was overwhelmed by housing price increases. “Annual growth in median home prices outpaced wage growth in 368 of the 414 counties (89%) included in the analysis,” the report said.

This is on trend: Since the beginning of 2012, median home prices nationwide have increased 60% while average weekly wages have risen just 6%, ATTOM said.

Buying a Home

Prospective homeowners may have little control over housing prices in their area, but a substantial down payment can help you save over the life of your mortgage. So can a good credit score, since it generally entitles borrowers to the lowest interest rates. (You can see where your credit stands by viewing your free credit report summary, updated every 14 days, on Credit.com.) If your credit needs to be polished, you can improve your scores by paying down high credit card balances, disputing any errors on your credit report and limiting new credit inquiries until your standing rises. You can also potentially cut back on the costs of a home by negotiating a good price. You can go here to learn more about how to do so.

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This article originally appeared on Credit.com.

Chipotle to pay more than $7 million in sexual harassment lawsuit

A jury awarded $7.65 million plus legal fees to a Texas woman on Monday, and Chipotle will have to pay the bill.

>> Read more trending stories  

In a lawsuit filed in 2014, the woman said she was sexually harassed by two managers at a Chipotle restaurant that she worked at in Houston for four months.

The lawsuit, which deemed the woman's then-assistant manager and general manager responsible, also claimed the chain itself was liable, saying the restaurant allowed the harassment to happen.

The victim, now a 19-year-old college student, was 16 at the time of the harassment.

"We feel an employer has an obligation to provide a safe working environment, especially when the employer knows the employee is a minor," attorney Adrian Villacorta said in February

According to WDAF-TV, the assistant manager, Gerardo Solis, started touching the woman inappropriately in the workspace weeks after she was hired.

The lawsuit claimed Solis initially said the touching was accidental, but he later began regularly touching her and "grooming" her for sex at the Chipotle restaurant. By the summer of 2014, Solis was having unprotected sex with the victim "at the restaurant dumpster, in the restroom, in the office and other places," the lawsuit stated.

"In a matter of six weeks, her supervisor was bumping into her breasts, commenting about her breasts," said attorney Ben Hall. "Other supervisors were using cameras to look at the butts and breasts of women at that restaurant."

The lawsuit described a work environment in which managers "would have sex, kiss, hug, sexually touch and pursue intimate relationships."

"It's almost like a brothel that just served food. That's the best way to characterize this restaurant," Hall said. 

Villacorta said the restaurant's then-general manager was aware of the activity and did nothing to stop it.

According to WDAF, the victim's mother said that on one occassion, she went to the Chipotle to pick up her daughter from work and found that she and Solis were not at the restaurant. The mother said the general manager "begged" her not to call police.

"The evidence showed that one of the supervisors had more than 50 (incidents of) unprotected sexual intercourse with this child and oral sex," Hall said.

Hall said the sexual encounters happened every three and a half days on average.

The victim eventually quit her job because of the abuse, KPRC-TV reported.

 "It was definitely hard. I never expected it to be like that," the victim told KPRC. "I just went there to work and earn some money, and I never expected that from managers to treat women like they're not supposed to be treated."

"The fact of the matter is that these sexual assaults were being committed by managers," said Villacorta. "These aren't low-level crew members. These are managers, agents of the corporation. So the jury grasped on to that concept that the manager, who was committing sexual assaults, and an upper level manager, who helped facilitate the assaults, were Chipotle. What they knew, Chipotle knew."

"Chipotle's conduct in this case was outrageous," said Hall. "Chipotle wanted to couch it as a relationship, but the jury was clear you cannot have a sexual relationship with a 16-year-old child. That's why they call it a sexual assault."

Chipotle released a statement, saying, "We care deeply about all of our employees, but even our rigorous policies specifically designed to protect our employees cannot prevent private relationships that happen away from the workplace during non-work hours, such as occurred in this case."

It continued: "We continue to offer our support for this former employee, and hope for her well-being. Chipotle goes to great lengths to provide safe and productive work environments. We have internal policies, procedures, and training to address issues and potential problems between employees, if ever they arise. None of our employees were made aware of this relationship, which took place outside of work. We learned of it only when the former employee's parents demanded money and filed a lawsuit, and by that time, neither of the employees worked for the company any longer."

A jury in Harris County District Court took 3 1/2 hours to reach a verdict. Jurors found Chipotle liable.

"In the words of the jury, they had made up their mind the first week, and they wanted to make sure that the little 16-year-old was taken care of for the rest of her life," Hall said.

"I'm just glad that it's over and justice was made," the victim told KPRC.

She also said the legal victory is "going to help other people to not be scared to speak out." 

Solis is believed to have fled to Mexico to avoid criminal prosecution, WDAF reported.

Three Brain Surgeries Can't Keep Cancer Patient From Son's Birth

Cagney Wenk and his fianceé, Jessica Li, recently welcomed their son, Levon Robbie Wenk, into the world. It wasn’t all joy for the new family, however. Cagney had been recently diagnosed with inoperable, stage 4 glioblastoma, an aggressive form of brain cancer.

Already hospitalized and with three surgeries already performed, Cagney was still determined to be at his son’s birth. His nurses helped make that not only possible, but even threw in something extra special.

So on Sept. 18, when Cagney made his way from the intensive care unit at Boulder Community Hospital to the delivery room — along with his nurse and all his medical equipment — a videographer also arrived to document the occasion. Cagney’s nurses contacted Now I Lay Me Down To Sleep ― an organization that provides remembrance photography to parents suffering the loss of a baby ― to take photos of Cagney, Jessica and Levon, according to the photographer and videographer, Sarah Boccolucci, who captured the moments.

Cagney’s tears of joy as he hears his son’s cries for the first time are incredibly moving (it’s only fair to warn you that the video, which you can see in full on Credit.com, will likely move you to tears).

Because Cagney is no longer able to work, the family is struggling with hospital bills. They started a donation page on GiveForward.com in hopes of raising $50,000 to help them pay the bills and for daily necessities.

Americans Still Struggle With Medical Debt

Despite national health reform, healthcare costs continue to threaten financial stability for millions of American families. There are various consequences that result from unaffordable healthcare costs. Some people simply forego recommended medical treatment because they can’t afford it. This holds true for both insured and uninsured patients. But there are also financial consequences.

A Kaiser Family Foundation/New York Times survey earlier this year found that a majority (58%) of Americans with medical bill problems report they were contacted by a collection agency for unpaid medical bills. These collection accounts can seriously affect consumer credit scores. (You can see if a collection account is affecting your credit by getting your free annual credit reports at AnnualCreditReport.com or by reviewing two of your credit scores for free every 14 days on Credit.com.)

Of even greater concern are the strategies used by people to address their medical bills. Six in ten (59%) of those with medical bill problems used all or most of their savings trying to pay these bills, about one-third (34%) took on credit card debt to do so, and about a quarter (26%) withdrew funds from a retirement or college account in order to pay.

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This article originally appeared on Credit.com.

Mortgage Rates Today, Sept. 29: Ticking Up, FHA Proposes New Condo Rules

Thirty-year and 15-year mortgage rates reversed their declines, while 5/1 ARM loan rates dramatically increased, according to a NerdWallet survey of mortgage rates published by national lenders Thursday.

Mortgage Rates Today, Thursday, Sept. 29 (Change from 9/28) 30-year fixed: 3.60% APR (+0.02) 15-year fixed: 3.01% APR (+0.03) 5/1 ARM: 3.61% APR (+0.20) FHA proposes more flexible condo rules

The Federal Housing Administration proposed new regulations this week that will make it easier for condominium developers and homebuyers on the hunt for more affordable housing. FHA is proposing to reinstate single-unit approvals in unapproved condominium developments and to require condo developers to recertify their project status every three years instead of the current shorter term of two years.

FHA is also reconsidering its stances on minimum owner-occupants in approved condo developments. In other words, FHA is trying to be more flexible and responsive to market shifts while ensuring that developers create sustainable, financially sound condo communities.

FHA currently requires that approved condominium developments have a minimum of 50% owner-occupied units. On the surface, this requirement makes sense to ensure a condo community is viable, but it also dramatically limits the potential for marketing these developments and providing affordable housing options for renters. Through this proposed rule, FHA is considering an allowable range of 25% to 75% to be more responsive to shifting market conditions.

Another proposed change: FHA might insure mortgages for selected condo units in developments that are not currently approved, opening up more options for potential buyers using FHA loans.

Homeowners looking to lower their mortgage rate can shop for refinance lenders here.

NerdWallet daily mortgage rates are an average of the published APR with the lowest points for each loan term offered by a sampling of major national lenders. Annual percentage rate quotes reflect an interest rate plus points, fees and other expenses, providing the most accurate view of the costs a borrower might pay.

More from NerdWallet How to refinance your mortgage Compare mortgage refinance rates Find a mortgage broker

Deborah Kearns is a staff writer at NerdWallet, a personal finance website. Email: dkearns@nerdwallet.com. Twitter: @debbie_kearns.

Feds issue warning against exploding Samsung washing machines

A Georgia woman's Samsung washing machine exploded, and now the government is warning everyone to be aware of the danger.

Melissa Thaxton was in her Paulding County home in April when something went wrong with her washing machine.

"All of the sudden, without warning, the washing machine just exploded, and it was the loudest sound. It sounded like a bomb went off in my ear," Thaxton said. "There were wires, nuts – the actual top was laying on the floor."

>> Read more trending stories

Thaxton said her 4-year-old son, Luke, was next to her.

A North Carolina mom said her 2-month-old top-loading Samsung washing machine flew apart, too.

According to ABC News, 21 people reported to the Consumer Product Safety Commission that their top-loading Samsung washing machines exploded or were blown apart since early last year.

Thaxton and several others are suing Samsung. Their lawyer argues that a support rod can become unfastened during the spin cycle.

Samsung released the following statement: "In rare cases, affected units may experience abnormal vibrations that could pose a risk of personal injury or property damage when washing bedding, bulky or water-resistant items."

Samsung also said the washers have handled hundreds of millions of loads with no problem.

Samsung and the CPSC are advising people to only use the delicate cycle while washing bulky items.

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