If you’re saving for your first home, there’s no shortage of advice out there — some of it questionable, even if you do have an avocado toast habit. Still, it’s true that your down payment may be the biggest check you ever write.
But once you move in, it’s also true that the cash tends to just keep flying out of your bank account like that money-with-wings emoji. If you drain your savings on closing day, you’ll have to delay furnishings or repairs, to say nothing of less-pressing cosmetic changes.
A sizable cash cushion makes the cost of owning a home more manageable. But even if you lack that cushion, it helps to at least know what to expect and what else you may need to finance or start saving for again. Here’s what I learned.
1. THINGS WILL BREAK
I’ve lost count of the handymen, electricians and plumbers who
On Monday, it was reported that JPMorgan requested that its traders, bankers, brokers, research analysts and other professionals return to their offices by Sept. 21, after six long months of working from home.
Executives asserted that it’s essential to have people return to the office, as it builds camaraderie and an esprit de corps. They claim that face-to-face conversations and in-person meetings are deemed mission-critical for professionals, such as traders, bankers, brokers, compliance, human resources and other personnel, to do their jobs, share key information, engage in important daily discussions and feed off one another. Young employees, according to JPMorgan, require mentors, guidance and direction. The synergy is diminished when its people are disconnected from one another.
Bloomberg reported that JPMorgan CEO Jamie Dimon told analysts at Keefe, Bruyette & Woods—an investment bank that focuses on banks—that he noticed “productivity slipped” during the work-from-home time period and “work output
If you’re looking for ideas for lunches to take to work, you may find it especially hard right now. Between social distancing in the office and perhaps wanting to limit your trips to the communal kitchen, lunch takes more planning than it used to. While you may want a lunch that doesn’t rely on using the workplace fridge, sink or microwave, you will still want the food to taste good without reheating and for it to be stored safely to fend off bad bacteria.
To help you tick both boxes, we’ve put together a list of tips that keep food safety in mind, along with recipes that fit the bill.
Why you can’t just leave your lunch at room temp all day
Health Canada advises that you keep cold food cold and hot food hot so bacteria that can make you sick can’t grow. The “danger zone” at which harmful
You’ve probably been spending more time at home than usual due to the coronavirus pandemic, so all of those little things about your space that didn’t really bother you before are probably driving you crazy by now. If your home is in need of a refresh, you might not want to spend thousands on a full kitchen remodel or bathroom renovation, but there are plenty of home improvements you can make without spending a fortune. All of these home makeover projects can be done on a budget.
1. Paint the front door
You can boost your home’s curb appeal at a small cost by painting your front door. “With a good coat of primer and a couple coats of exterior paint, your door will look new and striking at first glance,” said Dina Gibbons, home and garden design expert at RubberMulch, a company that makes environmentally responsible mulch from rubber.