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[ad_1] The post How to Stop Eating Out appeared first on Millennial Money. It’s a weeknight and you’re starving and exhausted. So you reach out to Grubhub or DoorDash and place an order for the fastest, greasiest, most delicious, carb-heavy thing on the menu. And the best part? You don’t even have to pay for it right now. You can just charge it to your credit card!  The convenience food arrives in 20 minutes, you devour it, and move on. You’re not hungry anymore. But you’re also burning a hole in your wallet and putting on a few extra pounds in the process.  Ordering junk food—or even just going through the restaurant drive-thru—is making you broke and unhealthy. If you’re looking to reclaim your hard-earned income, gain healthy eating habits, and become a better version of yourself, it’s time to learn how to stop eating out and start making your own healthy meals.  How to stop eating out and start making good food at home: A step-by-step guide Be okay with saying no Budget for groceries Set up your kitchen Figure out a meal plan Learn some ballin’ recipes Set a schedule Share your victories Emotional hunger and boredom eating are powerful forces. Yet despite all this, it’s not hard to stop eating out. As with most things, changing your behavior just requires putting a plan into motion and sticking to it.  Here’s a plan you can use to stop eating out—starting this very week. 1. Be okay with saying no If you live in a place like New York, it can be difficult to start cooking from home. Your friends may like going out to eat or your roommates may like to order pizza or tacos a lot. It can be hard to resist peer pressure. If this sounds familiar, the first step is understanding that it’s okay to try something different. Get comfortable saying “no” and eat in more.  You don’t have to tell anyone you’re doing it to save money. If anyone asks, tell them you’re starting a new hobby. Cooking is in vogue! It’s cool to be a foodie, learn new cuisines, and be able to cook brunch better than all your friends.  2. Budget for groceries Before you head to the store, it’s a good idea to revisit your food budget. Figure out how much you’ve been spending eating out (you might want to sit down!). Once you know that sum, take a look at your monthly cash flow and determine how much you want to spend on meals.  You can always adjust this budget if necessary. But it’s good to stick to a plan when grocery shopping to prevent yourself from buying every type of cheese, bread, or spice in the store.  Learn more: 20 Ways To Save Money When Eating Out Why You Need a Personal Budget How To Save Money on Groceries in 2021 3. Set up your kitchen Buy yourself a nice set of cookware Next, take some time to analyze your cooking arsenal. Make sure you have the basics at first: a stove, cutting board, knives, cooking utensils, pots and pans, timer, and spice rack. You may also want something like a crock pot or slow cooker. This tip may seem counterintuitive, but could actually get you cooking more: Treat yourself to some nice cooking accessories you’ll look forward to using.  If you invest a little on a nice cast iron skillet, a fun potholder, and some sharp knives, you’ll have an easier time getting into the cooking mindset.  Plus, you’ll feel bad if you spend money on accessories and don’t use them. It’s a great way to help build a cooking habit. Learn to use your dishwasher  One reason people don’t like to cook is that they hate washing dishes. Yet cleaning up doesn’t have to be a nightmare! Start by cooking simple meals that are easy to clean up after. Learn how to use your dishwasher, and buy some rubber dish gloves to make scrubbing easier on your hands.  It’s also a good idea to clean as you cook to avoid running into a large mess at the end.  Brush up on cooking basics  If this is your first time trying your hand at being a chef, watch some YouTube videos, buy a cookbook, and learn the basics. The last thing you want is to accidentally get salmonella or waste money by burning your food. Watch a YouTube recipe video while you cook. That way, you know exactly how to prepare whatever meal you’re working on.  4. Figure out a meal plan  Next, figure out a plan for buying groceries. Take my word for it: Meal planning is critical for success. You need to be careful when buying groceries so that you don’t wind up spending more on cooking than you did on restaurant food. Remember, the trick is to save money, not emulate Gordon Ramsey.  Here are some strategies you can try depending on your budget and lifestyle. Go to the grocery store daily This approach involves keeping a minimal amount of food in the house and going to a grocery store daily to buy items like meat and veggies for dinner. This strategy is popular in Europe.  It can be fun thinking about what you want to eat during the day, building an appetite, and then going out and buying your ingredients from a local market. This strategy can also keep cooking fresh and exciting. Every day can be a new possibility.  Of course, this is much easier if you live very close to a grocery store. Shop in bulk  Another strategy is to buy items in bulk at the beginning of the month to save money. Get a BJ’s, Sam’s Club, or Costco membership, and head to the store to load up on things like meat, dairy, eggs, and vegetables. After that, supplement your main ingredients with smaller items from the grocery store as necessary.  Buy weekly groceries  The most popular way to buy

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[ad_1] It’s been rejection after rejection for Isabel Williams’ client, a military veteran in Port St. Lucie, Florida. Since the client began the search for her dream home earlier this year, her Veterans Affairs mortgage loan offers have been rejected over a dozen times. Williams, the broker-owner of We Save Loans, said her client has all but given up on buying an existing home with VA financing. Instead, she is looking to buy a newly constructed home from a large homebuilder. Homebuilders, Williams said, are more concerned with the overall investment, and don’t have the same prejudices toward and misconceptions about VA financing that individuals do. But it might be a while until Williams’ client could actually stop paying rent and move into a home. If she is unable to wait the six months or more it could take to finish construction, she may forgo her hard-earned government benefit altogether. “She may have to change from VA to conventional to be more attuned to the current market,” Williams said. “When people are deciding which offer to accept, the pecking order is cash, conventional, FHA and then VA.” For loan originators who represent VA borrowers, the aversion to VA deals is confounding. From a risk-profile perspective, in addition to the government guarantee that veteran borrowers command, VA borrowers have much lower default rates than FHA loans, another government-backed loan. The rest of this content is for HW+ members. Join today with an HW+ Membership! Already a member? log in HW+ includes weekly long-form digital content, HousingWire Magazine, access to HousingStack, and free admission to all HousingWire virtual events. The post Why VA mortgage loans go to the bottom of the stack appeared first on HousingWire. [ad_2] Source link

[ad_1] The post Unity Stock Pops Briefly After Earnings appeared first on Millennial Money. Mobile gaming engine Unity Software (NYSE: U) reported first-quarter earnings results on Tuesday evening, and shares briefly popped by 9% on Wednesday morning. But then the ongoing sell-off among tech stocks resumed, as investors continue to shun growth-oriented companies. As of 12:45 p.m., the stock had given back all of those gains and was down approximately 1%. How did Unity do in the first quarter? Revenue in the first quarter increased 41% to $234.8 million, which was ahead of the consensus estimate of $217.1 million. That resulted in an adjusted net loss of $0.10 per share, which was also better than the $0.12 per share in adjusted losses that Wall Street analysts were modeling for. Here’s how each business segment fared: Segment Q1’21 Revenue YOY Growth Create Solutions $70.4 million 51% Operate Solutions $146.6 million 40% Strategic Partnerships $17.8 million 12% Total $234.8 million 41% Data source: SEC filings “Our first quarter results are reflective of the powerful transition from linear 2D to real-time 3D, which is one of the most important changes in how people interact with technology,” CEO John Riccitiello said in a statement. “We believe that real-time 3D will continue to grow at an accelerated pace and achieve massive scale.” Unity reported a dollar-based net expansion rate of 140%, up from 133% in the year-ago quarter. That metric measures spending from existing customers and shows that Unity is successfully upselling and expanding those relationships. There are now 837 customers that each generated over $100,000 in trailing-12-month (TTM) revenue. The company also continues to make progress expanding beyond its core market of mobile gaming. During the first quarter, Unity garnered new customers from a variety of new sectors such as automotive, healthcare, government, and retail, among others. Unity remains confident that the recent changes Apple (NASDAQ: AAPL) rolled out in April regarding Identifier for Advertisers (IDFA) will only have a minimal impact on the company’s advertising business. The Mac maker now prompts users to allow apps to track them for ad targeting purposes, a pro-privacy change that has important implications for the broader advertising industry. Looking ahead Guidance for the second quarter calls for revenue in the range of $240 million to $245 million, which translates into growth of 30% to 33%. That top-line forecast is ahead of the $232 million in sales analysts are expecting. That should all result in an adjusted operating loss of $30 million to $40 million. For the full-year 2021, Unity is expecting revenue of $1 billion to $1.02 billion, similarly topping the market’s expectations of $967.2 million in revenue. The company says that its adjusted operating loss for the year should be in the range of $90 million to $100 million. Unity reiterated its long-term target for 30% annual revenue growth while acknowledging that results can be bumpy during some quarters or years. Pick Like A Pro Where to invest $500 right now Lots of new investors take chances on long shots instead of buying shares of great companies. I prefer businesses like Amazon, Netflix, and Apple — they’re all on my best stocks for beginners list. There’s a company that “called” these businesses long before they hit it big. They first recommended Netflix in 2004 at $1.85 per share, Amazon in 2002 at $15.31 per share, and Apple back in the iPod Shuffle era at $4.97 per share. Take a look where they are now. That company: The Motley Fool. For people ready to make investing part of their strategy for financial freedom, take a look at The Motley Fool’s flagship investing service, Stock Advisor. They just announced their top 10 “best buys now” across the entire stock market. Whether you’re starting with $100, $500, or more, you should check out the full details. Click here to learn more The post Unity Stock Pops Briefly After Earnings appeared first on Millennial Money. [ad_2] Source link

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[ad_1] Compass CEO Robert Reffkin On her website bio, Pittsburgh real estate agent Jen Crouse describes why she finds meaning in her work. “At the end of the day,” Crouse states. “We all want to love where we live and who we invest our time with.” But who Crouse invests her own time with is a heated dispute between the agent’s old brokerage, the venerable Howard Hanna, and her new one, meteorically growing Compass. Crouse is a defendant in a lawsuit that claims New York City-based Compass conspired with Howard Hanna agents and employees to break their contracts and provide Compass with an array of confidential information about Howard Hanna. But Crouse has denied the allegations and filed a counterclaim that Pittsburgh-headquartered Howard Hanna owes her $29,000 in unpaid commissions. Branches of Better Homes & Gardens, and Christie’s also in the past month filed lawsuits against Compass in Pennsylvania and in New Jersey that accuse the brokerage of persuading agents to break their contracts and steal information on their way out the door. Realogy is in year three of a similar lawsuit filed against Compass in New York. There are also lawsuits by individual agents in California who claim Compass failed to deliver on its recruiting pitch. The slew of litigation calls into question whether Compass’s recruiting tactics are anti-competitive, even for an industry known for tabloid-y splits between top agents and brokerages. The rest of this content is for HW+ members. Join today with an HW+ Membership! Already a member? log in HW+ includes weekly long-form digital content, HousingWire Magazine, access to HousingStack, and free admission to all HousingWire virtual events. The post Compass’s next battle: trade secret lawsuits appeared first on HousingWire. [ad_2] Source link