Day: July 5, 2020

Posted in Insurance

12 Things Every Home Buyer Should Do

Buying a home may be one of the biggest purchases you will ever make. The more you know about the home buying process, the more money, time and hassle you’ll save. And given the global health pandemic, there are certain precautions you’ll need to take to help protect yourself when the time comes to view prospective properties in person.

We’ve outlined 12 things you should prepare for now if you plan to purchase a new house in the months ahead. Take a look.

If you’re curious to know how much you can afford to buy, you can get prequalified for a mortgage by a lender. However, a prequalification is just an estimate of what a lender thinks you can afford, based on basic financial information you provide.

You’ll need to take it a step further once you’re ready to start seriously shopping for a home. You’ll want to get preapproved … Read More

Posted in Finance

Schools buy miles of plexiglass ahead of potential reopenings amid coronavirus pandemic

As millions of students return to school — be it K-12 or university — they’ll return to familiar settings in their classroom with one obvious addition: layers of plexiglass.

It remains unclear if schools — universities in particular — can reopen campuses amid a surge of coronavirus cases and new restrictions such as the 14-day quarantines demanded from those who travel from various to the tri-state area of Connecticut, New Jersey and New York.

Sheets of plexiglass would play a big role in a reopening, and schools across the country are investing in the plastic sheet to create a division in common spaces such as in libraries, classrooms — and even school buses — to defend against transmission of coronavirus.

“We’re hitting records… week in week out, at this point from a sales perspective,” Ryan Schroeder, CEO of Plaskolite, one of the country’s biggest plexiglass makers, told Yahoo Finance. “Orders

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Posted in Personal

Colleges race to create ‘a new sense of normalcy.’ Will new rules, COVID-19 testing be enough?

SAN DIEGO – When students arrive at the University of California-San Diego in August, they will find coronavirus testing stations strategically planted throughout campus.

To determine whether they’ve been infected, they’ll take a swab, dab it with nasal slime and leave the sample in a collection box. Bar codes with the packets will be linked to their personal medical records and cellphone numbers.

Within a day, students can expect results via text message. For those who test positive, a huge response system includes medical care, isolation and contact tracing.

Robert Schooley, chief of the infectious diseases division at UC San Diego Health, said the reopening plan, dubbed Return to Learn, has multiple scenarios for campus life, and surveillance results will dictate which one administrators deploy. Researchers will even pull manhole covers to check campus sewage for coronavirus levels.

“We want to be able to adjust what we do to what

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Posted in Business

Small businesses need ‘flexible repayment solutions’ to survive next 18 months

Photo: Dominic Lipinski/PA Wire/PA Images
Photo: Dominic Lipinski/PA Wire/PA Images

Small businesses need “flexible debt repayment schemes” in order to survive the next 18 months, a leading industry report claims.

The quarterly SME lending monitor, by online business funding marketplace Funding Xchange, highlights the need to address the stresses currently experienced by up to 40% of the businesses who have borrowed from alternative lenders.

Funding Xchange is an online portal which directs small businesses unable to access funding from their high street bank to other lending providers.

The data shows two out of every five businesses that currently have loans from “alternative lenders” are now in discussion with the lenders, as they are struggling to fulfil their repayment programmes as a result of the coronavirus lockdown impact.

“Alternative lenders” have provided another option for business who are unable to access funds from their high street bank.

They established themselves following the last financial crash, as

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Posted in Money

Last chance! Wake up feeling refreshed (not achy) with Casper’s 4th of July mattress sale

Yahoo Life is committed to finding you the best products at the best prices. We may receive a share from purchases made via links on this page. Pricing and availability are subject to change.

Casper has the mattress of your dreams, and it’s on sale for the 4th of July. (Photo: Casper)
Casper has the mattress of your dreams, and it’s on sale for the 4th of July. (Photo: Casper)

How’s your back? If you’re like most of us, these last few months of less activity (and more staying in) have meant noticeable aches and pains. Add to that the stress of sleeping on an old mattress and you might find your back in a constant state of discomfort. 

While core exercises are never a bad idea, no amount of Zoom fitness will fix your back if your bed is the root of the problem. Of course now is not the time to visit mattress stores and plop down Goldilocks-style in search of a match. But it IS

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Posted in Finance

Coronavirus pandemic may lead to couples putting off divorce, survey finds

Getty Images/iStockphoto
Getty Images/iStockphoto

The coronavirus pandemic could lead to married couples who were previously considering divorce to delay proceedings, a survey has suggested.

In April, YouGov carried out a poll of more than 1,000 adults across the UK who had previously been divorced.

The participants were asked whether the virus outbreak would influence their decision to divorce their partner.

Of the respondents, 28 per cent said they would be less likely to pursue divorce due to the Covid-19 crisis.

A small percentage (6 per cent) said that the pandemic would make them feel more inclined to go through divorce proceedings, while the rest said it would either not be a factor in their decision or they did not know if it would be.

The survey of 1,005 adults, which was conducted for family law firm Ampla Finance, also find a marked difference between the way in which women and men felt

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Posted in Money

Virus, Floyd death merge in brutal blow to Black well-being

Doctors have known it for a long time, well before the resounding cries of “Black Lives Matter”: Black people suffer disproportionately.

They face countless challenges to good health, among them food, transportation and income. The stress of living with racism has very real, physical effects. And they are especially prone to diabetes, hypertension and other chronic diseases that can be tricky to manage even in normal times.

Then came COVID-19 and George Floyd — one killing Black people in alarming numbers, the other shining a harsh light on systemic racism. In a matter of months and nearly 8 minutes, it became clear that institutions designed to ensure the two most important things in life — health and safety — had converged to turn against one segment of the population in stark, horrific ways.

It’s a brutal blow to Black people’s well-being and renewed calls for racial justice in all realms

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Posted in Personal

An Easy, No-Frills Option for Online Banking

Although the word “bank” was once synonymous with a physical location, the reality is that more and more banks occupy only digital space. Varo, founded in 2015, is one of the many options available to today’s bankers — if they’re willing to forgo the ability to visit an actual bank building, that is.

Like other online-only banks, Varo offers deposit and checking accounts with low fees and high interest-earning rates, making it an attractive alternative to more traditional banking.

However, Varo doesn’t offer small business banking, credit cards, loans, or other extras that may be necessary for some customers, and the way it handles cash deposits is clunky and costly.

If you’re in the market for a new personal bank account, read on to learn whether or not Varo might be a fit.

In this review:

Varo Bank Review: The Pros and Cons

Here’s what we loved about Varo —

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Posted in Business

Small businesses need ‘flexile repayment solutions’ to survive next 18 months

Photo: Dominic Lipinski/PA Wire/PA Images
Photo: Dominic Lipinski/PA Wire/PA Images

Small businesses need “flexible debt repayment schemes” in order to survive the next 18 months, a leading industry report claims.

The quarterly SME lending monitor, by online business funding marketplace Funding Xchange, highlights the need to address the stresses currently experienced by up to 40% of the businesses who have borrowed from alternative lenders.

Funding Xchange is an online portal which directs small businesses unable to access funding from their high street bank to other lending providers.

The data shows two out of every five businesses that currently have loans from “alternative lenders” are now in discussion with the lenders, as they are struggling to fulfil their repayment programmes as a result of the coronavirus lockdown impact.

“Alternative lenders” have provided another option for business who are unable to access funds from their high street bank.

They established themselves following the last financial crash, as

Read More
Posted in Personal

Washington reckons with tributes to racist past

<span>Photograph: Kevin Lamarque/Reuters</span>
Photograph: Kevin Lamarque/Reuters

Gordon J Davis’s first encounter with the political writings of Woodrow Wilson was as a student at Columbia University. “I’m reading this stuff and saying: ‘That’s a great man,’ and mentioned it to my father who said: ‘Well, he wasn’t such a great man to us,’” recalls the 78-year-old Davis, who is a senior lawyer in New York. “He didn’t say much more about it but then, all these years later, you find out how totally corrupt and racist he was.”

There is no shortage of tributes to Wilson in Washington – a leading thinktank, a high school, a house museum – and he is the only US president buried in the nation’s capital. But in the wake of the police killing of George Floyd, Black Lives Matter protests and a mass awakening to systemic racism, his legacy of white supremacy is under scrutiny as never before.

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