And there's only so much HUD can do.
The only thing really left is for Congress and a president to pass more stimulus.
Investors were encouraged by the latest vaccine progress and news that the transition of power in the U.S. will finally begin.
Yellen, a former Fed chair, has advocated for more spending to aid small businesses and the unemployed during COVID-19.
Yellen, who is widely admired in the financial world, would be the first woman to lead the Treasury Department.
With COVID and trade barriers limiting supply, her inventory is worth more but replacing it isn't simple.
Election certification happens after every general election. This year, it’s looking to be costly.
"It's hard to see how electing any president makes a difference to people's long-term portfolios," says Barry Ritholtz.