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[ad_1] The post How Rental Property Depreciation Works  appeared first on Millennial Money. If you’re considering a real estate investment opportunity, rental property depreciation is one of the most useful hacks to know about. This is a critical tool that you can use to deduct the costs of buying and maintaining your property—potentially leading to significant savings over the course of your investment and more favorable tax returns along with it. It can also potentially lower the entire cost of a real estate investment. Doesn’t sound too bad, does it? This post explores what rental property depreciation is, how it works, and the benefit of using it to lower your tax liability. Table of contents Annual Depreciation: A Guide for Real Estate Investors Qualifying for Depreciation Tax Benefits  1. You Own the Property 2. The Property Is an Investment  3. The Property Will Last More Than a Year  4. It Must Have a Determinable Useful Life  What Is Depreciation Recapture? Examples of Depreciable Property Single vs. Multi-Year Expenses  How to Calculate Real Estate Depreciation  Know the Difference: ACRS vs. MACRS Real Estate Investor vs. Professional Tips for Rental Property Tax Deductions with Real Estate Investing Work with a Tax Professional for Rental Property Depreciation Get a Cost Segregation Study  Consider a 1031 Exchange  Frequently Asked Questions (FAQs) When Does the Depreciating Period Start? Is Land Depreciable? What Is Cost Basis? Do You Have to Produce Rental Income to Claim Depreciation? Do You Have to Depreciate Rental Property and Write off Expenses? Do You Have to Report Rental Income? The Bottom Line Annual Depreciation: A Guide for Real Estate Investors The Internal Revenue Service (IRS) recognizes that buildings require a lot of maintenance and tend to degrade over time. It’s only a matter of time before residential rental property owners need to rip up and replace the carpeting and install new windows, after all. At the same time, buildings often become outdated. For example, lighting fixtures or even appliances can go out of fashion. You need to update these types of things from time to time for a property to maintain its value—and for you as an investor to keep cash flow running smoothly. As a result of all this, the IRS lets you spread the cost of some assets over their entire useful life expectancy—instead of all at once when you buy a property. Qualifying for Depreciation Tax Benefits  Unfortunately, just because you own a house doesn’t mean that it’s automatically eligible for depreciation benefits. There are some rules that you have to follow, which we’ll briefly examine next. 1. You Own the Property You can’t claim a depreciation benefit on a property you don’t own. You have to be the sole proprietor of the property. In other words, you can’t rent or sublet a property from someone else, put it on Airbnb, and claim a depreciation credit. That would be committing tax fraud. 2. The Property Is an Investment  You also can’t claim a depreciation tax on the house that you live in. It has to be an investment property, meaning you purchased it with the goal of profiting from it. 3. The Property Will Last More Than a Year  A depreciation tax is for long-term investing. In other words, you can’t claim an income tax benefit on a property you intend to sell within a year. You have to buy the property with the intention of holding it through at least the first year to claim a depreciation tax benefit. 4. It Must Have a Determinable Useful Life  The property must be a sound structure like an apartment building or a single-family or multi-family house. In other words, it can’t be of questionable structure or form, like a hut or a tree house. The property must be of sound design with obvious uses. What Is Depreciation Recapture? Depreciation recapture refers to the gain resulting from the sale of depreciable property. This occurs when an asset’s sale price is more than the adjusted cost basis or tax basis. When this happens, you’ll report the property as ordinary income to the Internal Revenue Service on IRS form 4797. In short, depreciation enables the IRS to collect taxes on an asset that was previously used to offset taxable income. To determine the amount of depreciation recapture, compare the asset’s cost basis to the sale price. Examples of Depreciable Property Depreciable property can extend beyond a building itself. It can include tangible property, like vehicles, equipment, and technology. It can also include intangible assets like copyrights, software, and patents. That said, there are some restrictions. For example, you can’t depreciate land or collectibles like art. It’s also against the rules to depreciate personal property (e.g., clothes or a car you drive for nonwork purposes). Single vs. Multi-Year Expenses  Not all types of expenses qualify as depreciation on your rental real estate property. For example, snow removal or sealing your concrete is most likely considered a single-year expense, meaning you’ll pay for them at one time instead of repeatedly over a period of time. Other examples of single-year expenses include mortgage insurance, property taxes, and operating expenses as well as other small repairs. However, suppose you want to add a new deck or replace your floors. In this case, you would determine the lifespan of these investments and spread the cost over the course of many years. Talk to a tax advisor if you have any questions about what constitutes a small repair versus a larger one to determine whether you can take the depreciation expense and reap the associated tax advantages. This is not something you want to guess about, as the wrong decision could raise a red flag to the IRS. Learn More: Rental Property Due Diligence Checklist Investing In Rental Properties How to Get a Mortgage for a Rental Property How to Calculate Real Estate Depreciation  To calculate depreciation, you’ll need to determine the perceived decrease in the value of a property over a period spanning 27.5 years. Use

[ad_1] Don’t miss this list of Tax Free Weekends 2022 by state! — just in time for back to school shopping! {Looking for other ways to save during back to school season? Read my post on 5 Simple Tips for Saving Big on Back to School Expenses.} If you live in a state that does tax free weekends, get ready! They’re about to start popping up for back to school shopping! You can go here to check out the list and find your state. I know summer just started, but back to school shopping season will be here before we know it! Psst! We’ll be posting all our favorite in-store and online back to school sales again this year. Just go here and bookmark this page to see all the best back to school deals as soon as they go live! [ad_2] Source link

[ad_1] By Ashwin Shekar The last decade in India saw the arrival and rise of fantasy sports gaming at a phenomenal rate of 700%. It now stands as the biggest Fantasy Sports market worldwide with a user base of over 13 crores, a figure expected to grow further at a CAGR of 32% in times ahead. The market size is projected to reach an estimated Rs 1,65,000 cr by FY25, from Rs 34,600 crore in FY21, clocking a CAGR of 38% (Source- The Federation of Indian Fantasy Sports and Deloitte report, ‘Fantasy Sports: Creating a Virtuous Cycle of Sports Development’). Undoubtedly, this creates immense potential opportunities for advertisers and marketers concerning user acquisition goals. Sports events in the post-COVID era As we steadily move forward in the ‘New Normal’ era, many sporting events have begun to open their doors to the larger public, garnering viewers from across the globe. The Euro 2020 finals for example, brought in a prime audience of 31 million viewers on BBC and ITV. The two-week-long French Open 2022 tournament’s viewership broke the 42-million mark – a new record since its 2012 edition. This year’s Indian Premier League (IPL) saw more than 100 brands featured across mediums. Furthermore, 700 million viewers across the globe tuned in to watch the 2021 final of The UEFA Champions League held in Kyiv. The Fifa World Cup tournament will be hosted in the Middle East (Qatar) this year. The stakes are high, considering the 2018 FIFA World Cup was viewed by a combined 3.572 billion people – more than half of the global population aged four and above. With the Champions League 2022-23 having kick-started a few weeks ago, other major sporting events such as Wimbledon, Tour de France and Commonwealth Games are scheduled for later this year. With so many eyeballs to grab, it enables endless possibilities for mobile marketers to stand out from the crowd where they can get peak visibility to showcase and advertise their sports apps. Expanding reach with mobile OEMs is a win-win situation for sports app marketers Mobile OEMs (Original Equipment Manufacturers) are smartphone manufacturers like Oppo (Realme and OnePlus), Vivo, Samsung, and Xiaomi who have global user audiences- a combined worldwide market share of 48% as of December 2021. These mobile OEMs have their own app stores for their devices, also known as alternative app stores, and resell their inventory. This empowers mobile app developers and marketers to leverage the vast user bases they own during these peak sporting events such as those scheduled in 2022. The sporting industry is profitably benefitting from the revolution of smartphones globally. The global sports market is expected to grow from $354.96 billion in 2021 to $501.43 billion in 2022 at a compound annual growth rate (CAGR) of 41.3% (Source- Sports Global Market Report 2022). Marketers should identify the most relevant sports events to tap into newer and more extensive audiences within mobile OEMs, allowing them to increase the reach and audience for their mobile app in the sports category. Never was a better time for sports app marketers to make the best of major sporting events than in 2022.. Considered as two of the top advertisers in the sports app category, MPL and Dream11 amongst other players leveraged the IPL 2022 season for brand promotional activities and user acquisition campaigns. There will be a positive response from users in the sports category in the coming years, as sports apps on Google Play will reach nearly one billion downloads by 2023. It’s time for sports apps to reign supreme with OEMs during the peak sporting events. Let’s understand how.. With mobile OEM app advertising, marketers can leverage an exclusive app store featuring per day and specific dates with multiple advertising formats such as video ads, rewarded ads, native ads, and banner ads with unique ad placements. They can also get exclusive screen takeovers with splash ads which allow them to show the best of their sports and gaming apps on the entire smartphone screen in a video format to create instant brand awareness and interest among users. Appographic Targeting helps in promoting apps to users with similar interests beyond category and ownership to elevate app install rates. Additionally, mobile OEMs offer customized push notifications to target high-value users during sporting events to enable app discovery, as there is a 72.71% YoY growth for gaming apps. Mobile marketers should explore PMP deals at private marketplaces (PMPs) with mobile OEMs. Marketers can bid on suggested inventories for a specific time, such as the seasonal events, to get the best out of their user acquisition campaigns. The road ahead.. Mobile OEMs provide brand-safe, fraud-free, and more cost-effective opportunities for mobile marketers due to lower CPIs, thus offering the same benefits as 3rd party networks such as Google and Facebook. Not only do mobile OEMs and their alternative app stores offer all these benefits to mobile marketers in the sports and gaming category during the sports event season, but also a great alternative source to find fresh new users that one should not miss irrespective of the app category. The author is co-founder, AVOW [ad_2] Source link

[ad_1] What does it mean to get a positive job report with all the talk about a recession, which ramped up starting in January 2022? Let’s look at the U.S. jobs and economic numbers as five of my six recession red flags are up today. The June data shows that we added another 372,000 jobs as we get closer to the employment numbers before COVID-19. We did have 74,000 negative revisions to the previous reports, however, the internals of this jobs report is the most interesting aspect. Let’s take a look together.From the Bureau of Labor Statistics: Total nonfarm payroll employment rose by 372,000 in June, and the unemployment rate remained at 3.6 percent, the U.S. Bureau of Labor Statistics reported today. Notable job gains occurred in professional and business services, leisure and hospitality, and health care. The unemployment rate for men and women ages 20 and over is 3.3%. A tighter labor market is a good thing; this means people with less educational backgrounds can get employed as we have many jobs that don’t require a college education. The unemployment rate did tick up for those with less than a high school diploma in this report.  Here is a breakdown of the unemployment rate and educational attainment for those 25 years and older: —Less than a high school diploma: 5.8%.—High school graduate and no college: 3.6%—Some college or associate degree: 3.1%—Bachelor’s degree and higher: 2.1% During a job recovery, the data line I love to track is the employment-to-population data for the prime-age workforce, ages 25-54. That’s the proper working-age workforce. The employment-to-population percentage did fall in this report. It’s currently at 79.8% and the pre-COVID-19 level was 80.5%. This is something I am keeping an eye on for the future. As an analyst, the rate of change of a trend is always crucial.  As the COVID-19 recovery got more robust, the internal labor market dynamics have been very positive for a while now, as we had a lot of job openings that needed to be filled. In fact, over a year ago, when we had a jobs report that missed estimates, I stressed early in this recovery that job openings would get to 10 million, which nobody, not even the people who work at the BLS, thought was possible. Today, job openings are at 11.254 million, and this data line also had a noticeable decline. Remember, the rate of change is usually essential if it becomes a trend. Total jobs data Even though I retired my America is Back Recovery model on Dec. 9, 2020, I knew getting all the jobs back that were lost to COVID-19 would take some time. Even though the recovery was the fastest ever, getting all the labor back from a global pandemic and having an aging society wasn’t as fast as some had hoped. However, I was confident we should get it all job back by September of 2022. —Feb 2020: 152,504,000 jobs—July 2022: 151,980,000 jobs That leaves us with just 524,000 jobs left to make up over the next three months, which means we need to average adding 174,666 jobs per month. And the unemployment rate currently stands at 3.6%. Looking at the jobs data and which sector added jobs in March, construction and manufacturing jobs came in positively, and we only lost jobs in the government. Job openings in construction and manufacturing have picked up recently. Even though manufacturing job openings did slip in the last job openings data, it is still historically high. However, keep an eye out for the rate of change in labor data. Recession red flag watch Where are we in the economic cycle? Five of my six recession red flags are up, so until they are all up, I don’t use the word recession. Let’s review them in order, as my model is based on an economic progression model, which isn’t the most exciting way to look at economics. However, economics done right should be boring. Here are the recession red flags: 1. The unemployment rate hits 4%. This is a progression red flag, meaning the economic expansion is more mature. 2. The Federal Reserve starts to raise rates. Another progression red flag; expansion is more mature. 3. The inverted yield curve. This is more of a market-driven bond yield red flag. I had been on an inverted yield curve watch since Thanksgiving of 2021. This is when the two-year yield and 10-year yield slap high fives and say hi to each other. It’s another progression red flag, the more mature stage of the economy. 4. Find the overheating economic sector where demand can’t be sustained. Once that demand comes back to normal, people will be laid off. We see this in the durable goods data. A few companies are laying people off or putting into place a hiring freeze. 5.  New home sales, housing starts, and permits fall into a recession. Once mortgage rates rise, the new home sales sector does get hit harder than the existing home sales market. The homebuilder confidence index is falling noticeably, and while we never had the housing build-up in credit and sales that we saw in 2005, the builders will slow housing production down with higher rates. I raised my fifth recession red flag in the month of June. Builders Confidence Index: The final recession red flag! 6. Leading economic index declines 4-6 months before a recession. Historically, the Leading Economic Index fades into every recession outside a one-time huge economic shock like COVID-19. So far, it’s been declining for two months, slowly. However, you can connect the dots on this in the future months if you know the components of this index. As the economic cycle matures, we must look at the economy differently. I believe progression economic models are more valuable than screaming the word recession. I am a big believer in the rate-of-change data: even if the data looks solid historically, we need to be mindful of inflection points in each economic cycle. This is

[ad_1] This week, Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors. The first half of 2022 asset scorecard—not good The S&P 500 entered a bear market last month and recorded its worst first half since 1962, down 20.6%. The NASDAQ fell almost 30%, while the S&P/TSX Composite ended the first six months down 11%.  And of course, there was no safety in bonds. Thanks to rising rates, bonds did not go up in price as stocks got crushed. Central bankers turned hawkish to combat inflation. Yields on global bonds rose from an average of 1.3% on January 1, 2022 to 3% by the end of June, leading to a 14% drop in global bond returns.  Here’s a table outlining the returns for Canadian sectors, factors and bonds. You’ll also find broad international equity markets for comparison. All are listed in Canadian dollars (CAD).  Source: Mercer / Refinitiv  As for U.S. sectors, you’ll find these in this Liz Sonders tweet.  Weaker day that capped worst 1H of year since 1970; Energy led sectors lower, followed by Comm Serv, Cons Discr, & Tech; Utilities were decisive haven and leader; Staples outperformed peers in June … NASDAQ took hardest relative hit today and finished first half of year -29.5% pic.twitter.com/iDuDlhbOix — Liz Ann Sonders (@LizAnnSonders) June 30, 2022 The defensive sectors are doing as promised.  While still +28% YTD, Energy is now -24% from this year’s high, reached exactly 4 weeks ago (4th-largest YTD drawdown among large-cap sectors); Utilities, Health Care & Consumer Staples have managed to keep their drawdowns below 10% YTD⁦@SPDJIndices⁩ pic.twitter.com/SWOD84Nazg — Liz Ann Sonders (@LizAnnSonders) July 6, 2022 We are now seeing more attractive valuations for equities and bonds. The one-year forward price-to-earnings (P/E) multiple for the S&P 500 dropped from 21 times at the start of the year to around 16 times last month. (Since 1990, the median multiple is 15.4 times.) That said, with economic growth slowing down, this could be a headwind for corporate profits.  Earnings season starts next week.  According to its Q3 outlook report last month, BlackRock is positioning portfolios “more defensively.” The asset manager recommended a “barbell” strategy (balancing assets, such as holdings for corrections and recessions). “The optimal portfolio to combat inflation is very different from the optimal portfolio for a recession,” it said. Energy and financials can serve as inflation fighters, while health care provides “a dose of resilience.” I’d add consumer staples, utilities and pipelines to that list of defensive holdings.  And speaking of defense, bonds are getting some love again.  Bond yields are more attractive, so bonds might start being bonds again. Bonds should benefit as—rather, if—recession risks start to outweigh inflation concerns.  Data source: Seeking Alpha, 7 to 10 Year Treasuries (IEF) Scott Barlow shared this on Twitter. (FYI: 1H represents the first half of 2022, 2H the second half of 2022.) “Historically, a negative 1H has led to a negative 2H 44% of the time, vs. just 19% when 1H was positive…” Pensions are in good shape  Need some good news? Rare these days, I know.  Despite a multitude of factors—including historically high levels of inflation, recession fears and year-to-date asset losses—the funded positions of most defined benefit (DB) pension plans improved during the second quarter of 2022, according to the Mercer Pension Health Pulse (MPHP) study. That includes CPP, too.  The MPHP, which tracks the median solvency ratio of the DB pension plans within Mercer’s pension database, increased from 108% as at March 31, 2022, to 109% as at June 30, 2022. Beat the TSX portfolio handily beats the John Heinzl portfolio Here is the mid-year review of the Beat The TSX Portfolio. Simple rules-based BTSX beats the thinking of experts such as the John Heinzl portfolio, writes Matt Poyner at dividendstrategy.ca.  The high-yield dividend strategy has had a good run in Canada and in the U.S. in 2022. I also track the Beat The TSX Portfolio on my blog.  Bank brokerages remove competition for their savings accounts.  A few banks in Canada do not offer high-interest savings (cash) exchange-traded funds (ETFs) at their discount brokerages. The discount brokerages at Royal Bank of Canada (RBC Direct), Bank of Montreal (BMO InvestorLine) and Toronto-Dominion Bank (TD Direct) don’t offer cash ETFs. Why not? Who knows, but I do know these cash ETFs would compete with the banks’ own paltry “savings” accounts that pay next to nothing with respect to interest rates.  I connected with Mark Noble of Horizons ETFs over email. He says if you’re a TD client, you can call in to access cash ETFs, but you would not be able to purchase them online.  That’s similar to the TD e-series index funds listed in the Canadian Couch Potato series. They are a wonderful option, but good luck getting a TD advisor to help you find them.  “Scotiabank, CIBC and National Bank are offering these cash ETFs, as well as all of the non-bank owned discount brokerages” wrote Noble.  The above situation is “curious” as investors can access higher-risk offerings from the bank discount brokerages.  Noble wrote me this via email:  “Restrictions on ETFs have been commonplace in the full-service channel (ie: IIROC licensed advisors) since there are regulatory and fiduciary obligations that can make offering some ETFs (ie: leveraged ETFs, Marijuana ETFs and cryptocurrencies) difficult. These restrictions have never historically been in place at the self-directed brokerages, where effectively investors have been able to buy any Canadian-listed ETF.” Here are a few considerations on cash ETFs vs holding a high-interest savings account (HISA) or guaranteed investment certificates (GICs) directly with a bank, such as EQ Bank. Rates have certainly taken off the last few months, with EQ Bank GIC yields well above the cash ETFs. Thanks to Mark Noble for the below details. Cash ETFs High quality lenders: The deposits on these ETFs are with Schedule 1 Canadian banks generally. If you look at the underlying deposits, they are generally with large, well-established Canadian banks. Generally higher yields: These

[ad_1] Options trading is becoming increasingly popular, especially as investors look for new and different strategies to improve retirement portfolio performance. Options trading is a higher-risk activity than other types of investing, but it can be profitable if you are knowledgeable and understand those risks. To help you improve your options trading game, we offer this guide with what we believe to be the six best options trading platforms of 2022. The table below lists all six, with a summary of the top features of each. 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[ad_1] The post A History of Women’s Financial Rights appeared first on Millennial Money. Historically, women have not had the same access to wealth as men did. It wasn’t until the 1970s that women in the United States were allowed to open bank accounts and have credit cards without a male cosigner. And today, women typically step out of the workforce to care for aging relatives, young children, or various other familial responsibilities. We’ve seen in full force during the pandemic when almost one million women stepped out to care for loved ones, keep families afloat, and perform unpaid labor. During this time, men continued to earn unencumbered by societal pressures to do it all. Together, these social norms paint a dire picture of women’s finances in general. As a demographic, we are more likely to put our needs on hold to care for those around us, even if it is detrimental to our financial health. While noble, putting ourselves in financial harm isn’t the best solution to large problems. Instead, we should be striving for financial independence, which will allow us to weather uncertainty with more financial stability, regardless of our choice to remain in the workforce. What Is Financial Independence? Financial independence is the ability to live off of means you’ve acquired for yourself, without needing to rely on a job.  You’ve spent time and energy amassing wealth to protect you from life’s misfortunes and you no longer need to work. You may still choose to work, but you don’t have to.  With so many pressures women face in society, it’s important that we focus on financial independence as a way to bring gendered financial equity. Learn More: What’s the Difference Between Financial Freedom and Financial Independence? Start Your Financial Independence Journey How to Live Within Your Means for Financial Independence Why Financial Independence Matters to Women  The world is set up financially against women. We have had to fight for equality, and even still there is a gender pay gap, occupational segregation, investment gap, and debt gap stopping us from having the same advantages as our male counterparts. However, instead of those being barriers against financial independence, they are why we should strive to seek financial independence. Gender Pay Gap The gender pay gap is one of the glaring atrocities in our society. White women earn 82 percent of what men earn. Furthermore, women of color earn even less than that. Black women earn 64 percent of what white men earn; and Hispanic women earn a mere 57 percent of what white men earn. And, the gender pay gap widens over time. Women in their 20s and early 30s earn only a few hundred dollars a paycheck less than men, but once they’re in their 40s and 50s, the gap widens to thousands of dollars. Occupational Segregation And that’s not the only way women are financially less secure than men. Women-led professions trail male-lead professions in earnings. A teacher, for instance, starts out with a salary of $40,000 or $50,000, whereas an engineer might earn closer to $80,000 to $90,000.  And women, especially women of color, are more likely to stay in low-wage work. Women make up two-thirds of all tipped workers. Additionally, the percentage of Black women who are full-time minimum-wage workers is higher than that of any other racial group. Women and Student Loan Debt Not only do we earn less respectively and collectively, but we have more debt, including student loan debt. In fact, women carry two-thirds of the national student loan debt. We are more likely than men to have high monthly payments, despite earning less than men. The average student loan payment among women is $307; this cuts into our ability to pay other bills and get ahead financially. Worse still, is that Black women carry the most student loan debt. After 12 years of paying down student loans, Black women owe an average of 13 percent more than they borrowed. Gender Investment Gap Additionally, women are less likely to invest than men. In part, this phenomenon is because women are taught to save money from a young age whereas men are taught to invest. Ironic, because women’s portfolios consistently outperform their male counterpart’s portfolios. The pandemic has encouraged more women to invest, and nationally, we’ve seen a 50 percent increase in women investing since 2018. But, we still trail behind men who invest more aggressively than women. This investing gap could cost women millions over their lifetime. Why Does All This Matter for Financial Independence? With so much set against women financially, it’s important that we do what we can to protect ourselves. This starts with financial protection.  Pursuing financial independence gives us a buffer between ourselves and the world. And, while the world might not be designed for women to succeed, we can create our own path to success. Gender Affects Financial Literacy  Men and women are taught about finances differently. Men are taught to grow their money and invest while women are taught how to budget and save their money. While both are important aspects of financial literacy, arguably, learning how to grow your money will help you more in the long term. This is why financial independence is so important for women. It teaches us skills we need to prepare ourselves for financial troubles and also common things like retirement. Without financial independence, women are not prepared for the future. And that’s a problem. The Growth of FIRE among Women  When the Financial Independence, Retire Early (FIRE) movement was popular, male voices filled the scenes. Upper middle class white men relied on their working wives to help fund their retirements and essentially glorified the status of the stay-at-home dad. There wasn’t much financial inclusion. Then, Vicki Robins stepped onto the scene. Robins wrote the ever-popular book Your Money or Your Life and became a revolutionary voice on the scene. In a lot of ways because she showed women that they were a part of the movement as

[ad_1] My older sister, Brigette, shares her shopping trips and menu plans every week! You can go HERE to see all of her weekly menu plans and you can go HERE to read all about her family! We had company at our house all of last week, and I *might* have bought way more than enough food, haha! I didn’t need to buy as much this week after looking at what we still had left in the pantry and freezer. Aldi 1 gallon Milk – $2.55 1 gallon Orange Juice – $3.99 1/2 gallon Unsweetened Almond Milk – $1.89 1 16-oz bag Shredded Cheddar Cheese – $2.57 1 8-oz pkg Sliced Cheese – $1.65 3 8-oz chunks Cheese – $4.59 7 single-serve cartons Greek Yogurt – $4.13 1 24-oz carton Cottage Cheese – $1.79 1 dozen Eggs – $2.35 1 pkg Turkey Bacon – $2.19 1 pkg Hot Dog – $2.59 1-lb Sausage – $2.95 1 16-oz pkg Deli Meat – $4.95 1 pkg Hot Dog Buns – $0.65 1 pkg Deli Rolls – $2.95 1 box Crispy Rice – $1.19 1 box Rice Squares – $1.49 1 bag Kettle Chips – $1.99 1 bag Corn Chips – $1.69 1 32-oz box Elbow Macaroni – $2.09 1 32-oz box Spaghetti – $1.19 1 pkg Romaine Lettuce – $2.95 1 3-ct pkg Multi-Colored Peppers – $2.99 1 Watermelon – $3.95 1 bunch Bananas – $1.12 4 cans Green Beans – $2.08 1 bag Lemons – $2.99 1 jar Peanut Butter – $1.39 Grocery Total for the Week: $68.90 We don’t have a garden as we live in the middle of town and our backyard is completely wooded, but my 11-yr planted a few tomato and zucchini plants this year. This is his harvest from the last few days! And the jams are homemade gifts from my in-laws. This was a surprise Instacart order from my sister Olivia. She heard I was down with a nasty 103-degree flu and these amazing healthy items arrived at my door within the hour! I have the BEST sisters!!! Weekly Menu Plan Breakfasts Cereal, Oatmeal, Fruit, Yogurt, Smoothies, Zucchini Bread, Veggie Omelets Lunches Deli Meat Sandwiches, Chips, Peppers x 2 Leftovers x 3 Bananas with Peanut Butter and Jelly, Carrots, Apples Hot Dogs, Baked Potato Fries, Bananas Dinners Hamburgers on the Grill, Grilled Zucchini, Watermelon Pancakes, Bacon, Scrambled Eggs, Broccoli Chicken and Rice Soup, Biscuits Sausage Zucchini Stir-Fry, Rice Macaroni and Cheese, Tossed Salad, Green Beans, Zucchini Muffins Taco Salad, Green Beans Spaghetti, Homemade French Bread, Spinach Salad, Broccoli [ad_2] Source link

[ad_1] Who is Tetsuya Yamagami? What we know about the man suspected of shooting Shinzo Abe  CNN Will Abe’s assassination affect Japan’s elections? | Inside Story  Al Jazeera English Japan’s Police Chief Takes Responsibility For Shinzo Abe Killing  The Daily Beast Opinion | Shinzo Abe was the most polarizing Japanese political figure of his time  The Washington Post Murder most foul, and rare: Shinzo Abe’s assassination was an extraordinarily rare firearm fatality for Japan  New York Daily News View Full Coverage on Google News [ad_2]

[ad_1] Digital World board members get subpoena over Trump's social media deal [ad_2] Source link