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☆ How did a rose get its prickles? A new study has answers
▼ + stars: | 2024-08-01 | by ( Taylor Nicioli | ) edition.cnn.com time to read: +8 min

Prickles have been around for at least 400 million years, dating back to when ferns and their relatives emerged with some bearing prickles on their stems. Lonely Guy genesBy removing prickles from various species, including roses and eggplants, the authors found that a LOG gene was responsible for the prickles in about 20 types of plants studied. LOG-related genes are found in all plants, even dating back to mosses, which are regarded as the first dry-land plant, Lippman said. “(LOG genes) have been repeatedly co-opted (a biological shift in a trait’s function) in different plant species for the formation of prickles, and also repeatedly lost in lineages where prickles are lost. For agricultural purposes, removing prickles could make harvesting easier and pave the way to get lesser-known produce into grocery stores.

Persons: munch, Zachary Lippman, —, Lippman, Guy, It’s, ” Lippman, “, Tyler Coverdale, ” Coverdale, Coverdale, ”, Vivian Irish Organizations: CNN, Laboratory, University of Utah, Wings, Howard Hughes Medical Institute, University of Notre Dame, Yale Locations: Long, , New York, Yale University’s, Australia

☆ JD Vance: Get ready for even more of Trump’s running mate after shaky rollout
▼ + stars: | 2024-08-01 | by ( Steve Contorno | Alayna Treene | ) edition.cnn.com time to read: +10 min

CNN —JD Vance is making a second pass at introducing himself to America as the Ohio senator attempts to put his uneven rollout as Donald Trump’s running mate in the rearview mirror. Vance is also expected to begin holding news conferences with reporters as early as this week, the source said. At a closed-door fundraiser in Oklahoma City last week, Trump’s finance team was hoping the former president’s new running mate would raise $1 million. The campaign was well aware of Vance’s past criticisms of Trump and the deeply anti-abortion views he vocally defended. Still, people close to both Trump and Vance argue that America has yet to learn how effective the Ohio senator can be when in the spotlight.

Persons: CNN — JD Vance, Donald Trump’s, Vance, he’s, Trump, Kamala Harris ’, “ Kamala Harris, ” Vance, we’re, Vance hasn’t, deriding, Taylor Swift, Ben Shapiro, Dave Portnoy, ”, fides, ” Portnoy, Trey Gowdy, Liam Donovan, Yale Law School –, “ They’re, ” Donovan, “, ” Trump, Kamala Harris, tickled Trump, Florida Sen, Marco Rubio, ” Rubio, Doug Burgum, Rupert Murdoch, Gowdy, Sen, Tim Scott, Shapiro, Ron DeSantis, Kevin Roberts, Roberts, William Martin, Vance “, San Francisco Pride, Antonin Scalia, MAGA Organizations: CNN, Trump, trashing, America, Republican, Barstool Sports, Fox News, South, Marines, Yale Law School, “ CNN, JD, United States Marine Corps, Privately, GOP, North Dakota Gov, Florida Gov, The New York Times, Heritage Foundation, New York Times, San Francisco, Supreme Locations: America, Ohio, – Nevada, , Arizona, Georgia, Mexico, Henderson , Nevada, South Carolina, Minnesota, Iraq, United States, Florida, Oklahoma City, Fort Wayne , Indiana

☆ In Education and Media, Markets Aren’t Always Right - The New York Times
▼ + stars: | 2024-07-31 | by ( Bret Stephens | ) www.nytimes.com time to read: +6 min

Don’t Tell My Friends, But… is a seriesin which we asked Times columnistswhateveryone else is wrong about. On its face, there’s nothing necessarily political about the mantra that the customer is always right. But the idea that the customer is always right also contains a worldview, a kind of market fundamentalism that typifies much of the American right today. The problem starts when our decisions aren’t merely subjective — that is, when questions of truth, moral or factual, are involved. Students today, whose parents often pay fortunes for their education, are treated like valuable customers, not lowly apprentices.

Persons: “, didn’t, —, Walter Cronkite, That’s, It’s, Hadrian, ”, Marguerite Yourcenar, there’s Organizations: Conservatives, University curriculums, Liberal, Yale, Princeton Locations: United States

☆ Opinion | Why the Electoral Math on Tim Walz Makes Sense
▼ + stars: | 2024-07-30 | by ( Jonathan Alter | ) www.nytimes.com time to read: +1 min

There’s a lot of talk that Kamala Harris picked Tim Walz to prevent Josh Shapiro’s views on the Middle East from becoming a distraction. But the more relevant reason that Walz was chosen is electoral. And if Harris narrowly loses Pennsylvania and thus the election, the failure to pick Shapiro will reverberate for generations. By contrast, Walz — a 24-year veteran of the Army National Guard — graduated from high school in a Nebraska town of 400 and later coached the Mankato West Scarlets to a Minnesota high school football championship. But Walz, an authentic rural voice, might change that outcome and reduce Trump’s share to 55 percent from roughly 60 percent in enough counties.

Persons: Kamala Harris, Tim Walz, Josh Shapiro’s, Walz, Shapiro, Harris, Walz —, Army National Guard —, JD Vance, Walz didn’t, Donald Trump Organizations: Pennsylvania, Army National Guard, Mankato West Scarlets, Yale, Democrats Locations: Pennsylvania, Nebraska, Minnesota, Pennsylvania , Michigan , Wisconsin , Arizona, Georgia, North Carolina, Nevada

☆ In Harris, business leaders tired of Biden see a potential friend
▼ + stars: | 2024-07-30 | by ( Matt Egan | ) edition.cnn.com time to read: +7 min

Some business leaders and wealthy donors are hopeful that Harris will adopt more centrist policies as she outlines her agenda, especially by dialing back Biden-era antitrust crackdowns. “CEOs are wildly excited about Harris,” Jeffrey Sonnenfeld, founder and president of the Yale Chief Executive Leadership Institute, told CNN in a phone interview. Sonnenfeld pointed to confidence that Harris will protect the rule of law and hopes for recalibrated trade, regulatory and tax policies. Meanwhile, Harris, somewhat of an unknown commodity on business policy, hasn’t said much about where she stands. Another key sticking point is energy, where Trump has tried to blame the Biden-Harris administration for periods of high gas prices.

Persons: Kamala Harris, Harris, Biden, ” Jeffrey Sonnenfeld, Sonnenfeld, Lina Khan, Khan’s, hasn’t, “, ”, Greg Valliere, Democratic megadonor Reid Hoffman, Khan, Hoffman, Barry Diller, Diller, It’s, ” Diller, ‘, haven’t, PCCC, Adam Green, Harris –, ” Green, Lina Khan –, ” Sonnenfeld, “ It’s, Douglas Farrar, Donald Trump, Joe Biden, Trump, ” Trump, “ You’re, Lauren Hitt, didn’t Organizations: New, New York CNN, Biden, Big Tech, Democratic, Yale, Leadership, CNN, Federal Trade Commission, Progressives, AGF Investments, Business, Big Oil, Microsoft, FTC, “, Activision, CNBC, IAC, Progressive, Khan, Public Citizen, AFL, NAACP, Harris Administration Locations: New York, North Carolina

☆ Why the gender pay gap has barely budged in decades, according to new Yale research
▼ + stars: | 2024-07-30 | by ( Jennifer Liu | ) www.cnbc.com time to read: +2 min

New research from Yale indicates that while the gender pay gap has been closing for decades, progress has nearly stalled since the mid-1990s — and women aren't benefiting from the incremental improvements. That's according to a working paper led by Jaime Arellano-Bover, a lecturer of economics at the Yale School of Management. However, by the late '90s and early 2000s, the pay gap among young workers stopped narrowing. Meanwhile, the research suggests that the retirement of older workers with wider gaps is the sole contributor to decreasing the gender pay gap overall. The study's findings challenge the assumptions that the narrowing gender pay gap is the result of better career opportunities for women, Arellano-Bover says.

Persons: Jaime Arellano, That's, Arellano, Bover, Rather Organizations: Yale, Yale School of Management, Census, National Women's Law, Arellano, Bover, CNBC

☆ Here's everything you need to know about the Fed decision coming Wednesday
▼ + stars: | 2024-07-30 | by ( Jeff Cox | ) www.cnbc.com time to read: +6 min

Market pricing currently indicates an absolute certainty that the Fed will approve its first reduction in more than four years — when it meets Sept. 17-18. They don't want investors to start pricing in a rate cut coming in September and there's literally nothing else that could possibly happen," he said. "Opening the door for that rate cut is probably the most appropriate thing for them at this point," Reynolds added. Expectations for easingGlenmede expects that starting in September, the Fed could cut at each of the three remaining meetings. The Fed will not provide an update on its quarterly summary of economic projections at this meeting.

Persons: Jerome Powell, Chris Kleponis, they've, Michael Reynolds, Reynolds, there's, it'll, Powell, Goldman Sachs, David Mericle, Mericle, Bill English, We've Organizations: Banking, Housing, Urban, Capitol, AFP, Getty, Glenmede, Fed Locations: Washington ,, Yale, Jackson Hole , Wyoming

☆ Vice presidents: What this election proves about the importance of running mates
▼ + stars: | 2024-07-30 | by ( Zachary B. Wolf | ) edition.cnn.com time to read: +7 min

CNN —One major lesson from Vice President Kamala Harris’ sudden ascension to be the presumptive Democratic presidential nominee is that running mates matter. It’s a point not lost on some Republicans who are second-guessing Trump’s selection of Vance and Democrats who are anticipating Harris’ pick any day. Harris’ pick could come within days, according to CNN’s MJ Lee and Jeff Zeleny, who write that the pool of candidates has shrunk by one. Biden went on to pick Harris, the first woman of color to be on a national party’s presidential ticket. In 2016, Trump picked then-Indiana Gov.

Persons: Kamala Harris ’, Donald Trump, Sen, JD Vance, Harris, Joe Biden, It’s, Vance, “, Trump, CNN’s Edward, Isaac Dovere, –, Read, MAGA, Sofia Nelson, Vance’s, Vance's, SSRS, CNN’s KFile, ” Trump, Biden, CNN’s MJ Lee, Jeff Zeleny, Roy Cooper, Arizona Sen, Mark Kelly, Gabby Giffords, Josh Shapiro, Pete Buttigieg, CNN’s Piper Hudspeth Blackburn, Karl de Vries, Eric Bradner, Barack Obama, John McCain, Sarah Palin, Mitt Romney, Paul Ryan, Romney’s, Mike Pence Organizations: CNN, Democratic, Oval, Trump, Republican National Convention, Republicans, GOP, Yale Law School, Fox News, The Washington Post, North Carolina Gov, Arizona, House . Pennsylvania, Transportation, Republican, Alaska Gov, Indiana Gov Locations: Ohio, Detroit, “, – Michigan, Wisconsin, Pennsylvania, Scranton , Pennsylvania

☆ JD Vance once said he hates the police and that Trump is a 'morally reprehensible human being,' emails show
▼ + stars: | 2024-07-28 | by ( Lloyd Lee | ) www.businessinsider.com time to read: +4 min

The emails show Vance, who had yet to embark on his run for the Senate, writing to his classmate Sofia Nelson, a Detroit-based public defender. In them, Vance denounced the GOP's embrace of Trump, calling the former president a "morally reprehensible human being," and expressed disappointment with law enforcement after the killing of Michael Brown, a Black 18-year-old, in 2014. AdvertisementIn 2015, Vance wrote that he was "obviously outraged at Trump's rhetoric," comparing him to a demagogue "willing to exploit the people who believe crazy shit." He also wrote in 2016 that "the more white people feel like voting for trump, the more black people will suffer. In a text message to a different former Yale classmate in 2016, Vance wondered if Trump could be "America's Hitler."

Persons: —, JD Vance, Donald Trump, Vance, Sofia Nelson, Nelson, Michael Brown, I've, Luke Schroeder, Trump, Schroeder, Sofia, Trumper, MAGA, Kamala Harris, Trump's, Harris, JD Organizations: Service, Yale University, The New York Times, Senate, Times, Business, Trump, New York Times, Yale, Fox News Locations: Ohio, Detroit, Arkansas

☆ 5 Excerpts From JD Vance’s Emails to a Transgender Classmate
▼ + stars: | 2024-07-27 | by ( The New York Times | ) www.nytimes.com time to read: +1 min

As Senator JD Vance seeks the vice presidency, a former Yale Law School classmate and friend has shared about 90 of their emails and text messages, mostly from 2014 through 2017, with The New York Times. The emails add to an existing body of evidence showing how Mr. Vance pivoted from a strong opponent of former President Donald J. Trump to his running mate. They also provide an insight into a cultural willingness by Mr. Vance to accept his classmate, Sofia Nelson, who is transgender. Now, Nelson, who opposes the Trump-Vance ticket, hopes the emails will inform the opinion of voters about Mr. Vance. In response, a spokesman for the Vance campaign said in a statement that it was “unfortunate” for someone to share “decade-old private conversations between friends.”

Persons: JD Vance, Vance, Donald J, Trump, Sofia Nelson, Nelson, ” Organizations: Yale Law School, The New York Times, Trump Locations: Detroit, Arkansas

☆ JD Vance, an Unlikely Friendship and Why It Ended
▼ + stars: | 2024-07-27 | by ( Stephanie Saul | ) www.nytimes.com time to read: +1 min

When his book, “Hillbilly Elegy,” was published in 2016, JD Vance sent an email apologizing to a close friend from his Yale Law School days. The friend identified as transgender, but Mr. Vance referred to them in the book as a lesbian. “Hey Sofes, here’s an excerpt from my book,” Mr. Vance wrote to his friend, Sofia Nelson. “I hope you’re not offended, but if you are, I’m sorry! Love you, JD.”Nelson wrote back the same day, calling Mr. Vance “buddy” and thanking him for “being sweet,” adding, “If you had written gender queer radical pragmatist, nobody would know what you mean.” Nelson asked for an autographed copy, then signed off with, “Love, Sofia.”

Persons: ”, JD Vance, Vance, ” Mr, Sofia Nelson, “, ’ ”, you’re, JD, ” Nelson, Vance “ Organizations: Yale Law Locations: Sofia

☆ Yale-trained career coach shares the 2 strategies she uses to fight her own perfectionism: ‘It was never just going to stop’
▼ + stars: | 2024-07-26 | by ( Alex Koller | ) www.cnbc.com time to read: +1 min

After obtaining degrees from Yale College and Yale Law School and landing prestigious legal jobs, she only became more anxious. "It was never just going to stop," said Confino, a career coach who helps her clients break their perfectionist streaks and an adjunct law professor at the Fordham University School of Law. "Then 150 hurdles later, you realize, 'Wait a second, maybe that's not going to happen unless I do something different,'" she added. Perfectionism has risen significantly over the past four decades, according to a 2018 American Psychological Association study. Here are two steps she recommends taking to fend off those perfectionist tendencies:

Persons: Jordana Confino, Laurie Santos, Perfectionism, It's, Confino Organizations: Yale College, Yale Law School, Yale, Fordham University School of Law, American Psychological Association

☆ Kamala Harris wants to be America’s first Silicon Valley president. She has tech’s support
▼ + stars: | 2024-07-25 | by ( Clare Duffy | ) edition.cnn.com time to read: +5 min

New York CNN —With Vice President Kamala Harris the front runner to receive the Democratic Party’s nomination for president, America’s most powerful industry is set to have a candidate on the ballot from its home turf. Harris’ failed 2020 presidential bid received support from various tech luminaries, including Salesforce CEO Marc Benioff and legendary venture capitalist Ron Conway. Despite her friendly relationships with the industry’s leaders, Harris has also pushed for tech accountability in key areas. As vice president, Harris has taken a key role in the White House around establishing safety measures for artificial intelligence, which is widely viewed as the most consequential new technology in decades. In an interview with CNN, Hoffman added: “In Silicon Valley, actually there’s many threads that are very excited about her.

Persons: Kamala Harris, Harris, Sheryl Sandberg, Reed Hastings, Melinda French Gates, Donald Trump’s, Elon Musk, “ There’s, Biden, ” Aaron Levie, “, ” Harris, Sean Parker, she’s, Steve Jobs ’, Laurene Powell Jobs, Harris ’, Marc Benioff, Ron Conway, Mark Zuckerberg, ” Jeffrey Sonnenfeld, Trump Harris, Trump, ” Sonnenfeld, I’ve, didn’t, ” Levie, “ Kamala Harris, Reid Hoffman, Hoffman, …, – CNN’s Matt Egan Organizations: New, New York CNN —, Democratic, Bay Area, Netflix, White, CNN, Cambridge, OpenAI, Google, Microsoft, Yale School of Management, Trump Locations: New York, Oakland , California, California, White, Silicon Valley, Silicon

☆ Young people today are stressed, depressed—and changing the fundamental pattern of happiness, new research shows
▼ + stars: | 2024-07-23 | by ( Renée Onque | ) www.cnbc.com time to read: +4 min

Research shows that young adults are the unhappiest age groupBlanchflower's most recent working paper, co-authored with Alex Bryson and Xiaowei Xu, shows a change in the pattern, with happiness starting off low in young adulthood and increasing with age. Alongside other researchers, Blanchflower analyzed data from the Centers for Disease Control and Prevention's Behavioral Risk Factor Surveillance System. But Wimsatt Childs agrees with Blanchflower that social media likely plays a role in this new pattern of unhappiness. "What social media has done in a lot of ways is it has amplified concerns that were already well underway," she says. Social media — apps like Snapchat, Instagram and TikTok — floods people with information and can lead to comparison among peers on a larger scale, she adds.

Persons: David Blanchflower, Blanchflower, Alex Bryson, Xiaowei Xu, Amber Wimsatt Childs, Wimsatt Childs, I'm Organizations: Dartmouth College, Research, Scientific, Centers for Disease Control, Yale School of Medicine Locations: U.S

☆ This 4-word phrase can help you lead a happier life with fewer deathbed regrets, says end-of-life planning expert
▼ + stars: | 2024-07-23 | by ( Alex Koller | ) www.cnbc.com time to read: +1 min

Accepting the reality that everyone dies eventually is an important step toward appreciating the life you have left to live. Arthur's advice: Stand in front of a mirror, look into your eyes and repeat to yourself, "I'm going to die." But the mindset shift can have many beneficial effects: Embracing mortality leads people to be more compassionate, mindful and driven to achieve their goals in life, Santos said. Arthur has spoken to hundreds of individuals about their final stages of life. "Grounding in my mortality means that at some point I won't have access to all these senses anymore," Arthur said.

Persons: Alua Arthur, Laurie Santos, Arthur, Santos, Grace Organizations: Yale University Locations: Los Angeles

To show proof of disability income, you'll need to provide some verification that you're currently receiving benefits and that they aren't set to expire within the next three years. Benefits of home loans for disabled individualsMany loan programs allow you to use disability income to qualify. Disabled individuals can use FHA loans, VA loans, USDA loans, and special programs from Fannie Mae and Freddie Mac. Yes, disability income is considered as part of your total income, which can help qualify for various home loan options. What are the benefits of FHA loans for disabled individuals?

Persons: Fannie Mae HomeReady, Freddie Mac, Fannie Mae, you'll, Brian Quigley, Quigley, you've Organizations: Federal Housing Administration, US Department of Agriculture, Social Security Disability Insurance, Social Security Administration, SSI, SSA, Department of Veterans Affairs, Beacon Lending, USDA, Social Security, Chevron Locations: Chevron

☆ Democrats vs. Republicans: Who's better for the economy?
▼ + stars: | 2024-07-22 | by ( ) www.cnbc.com time to read: 1 min

Share Share Article via Facebook Share Article via Twitter Share Article via LinkedIn Share Article via EmailDemocrats vs. Republicans: Who's better for the economy? Stephen Moore, Heritage Foundation senior visiting fellow and economic advisor to former President Trump, and Ernie Tedeschi, The Budget Lab at Yale Law School director of economics and former White House CEA chief economist under President Biden, join 'Squawk Box' to discuss whether Democratic or Republican policies would be best for the American economy over the next four years.

Persons: Who's, Stephen Moore, Trump, Ernie Tedeschi, Biden Organizations: Heritage Foundation, Yale Law School, White House CEA, Democratic

Social Security income is viewed the same as any other type of income, with one exception that can work in recipients' favor. Age and Social Security incomeYour age and how much Social Security income that allows you to take in will make a difference, too. To get this information to share with your lender, you can request a Social Security Benefit Verification letter from the Social Security Administration's website. Getting a mortgage on Social Security FAQsWhat types of home loans are available for seniors on social security? Lenders consider Social Security income as part of your total income, which can help qualify for various home loan options.

Persons: you'll, Shashank Shekhar, Shekhar Organizations: Social Security, Social, Department of Housing, Urban Development, Department of Veterans Affairs, DTI, Security, Chevron Locations: Chevron

Here's what you can expect to spend:It depends: Key factors affecting costHome building costs can vary widely from one buyer to the next. The exact cost you'll pay will depend on:Location and land costsThe location you choose to build in can have a huge impact on your total building costs. While it varies widely, here's the average cost to build a house per square foot (nationally):The cost to build a house, per square footAccording to HomeAdvisor, the average cost of building a new home is $50 to $400 per square foot. The cost to build a house vs. buying depends on your market and the size and type of home you're looking for. If you're wondering how to estimate the cost of building a house off-hand, you can use online cost calculators and estimators.

Persons: HomeAdvisor, it's, You'll, They'll Organizations: HomeAdvisor, Labor, Chevron Locations: California, In Texas, Chevron

Can a non-U.S. citizen get a mortgage loan? Challenges non-U.S. citizens may faceThough it's possible to get a mortgage as a non-U.S. citizen, that doesn't mean it will be easy. Buying a home as a non-U.S. citizen FAQsCan non-U.S. citizens get a mortgage loan? Yes, non-U.S. citizens can get a mortgage loan if they meet the lender's eligibility requirements and they provide necessary documentation. Eligibility for non-U.S. citizen mortgage loans is usually based on legal residency status, credit history, income verification, and down payment.

Persons: homebuyers, Nora Aguirre, she's, they've, Aguirre, — Organizations: Migration Policy Institute, Taxation, National Association of Hispanic Real Estate Professionals, USDA, ., Internal Revenue Service, Social, Chevron Locations: U.S, Nevada, Chevron

Some of the most important factors to consider when buying a house are price, size, and location. Location and neighborhoodLocation is something you're stuck with until you move, so be sure you're choosing a city, school district, and neighborhood that suits your needs. If homes are flying off the shelves, you'll need to be prepared to make fast offers that get noticed right off the bat. If the appraisal comes in lower than what you offer, you'll have to make up the difference or renegotiate with the seller. Evaluating a house's resale potential is critical, as you want to be sure you're making a smart investment of your money.

Persons: Glen Pizzolorusso, Hope, that's, they're, it's, you've, they'll, you'll Organizations: Glen Christopher Luxury, Facebook, Energy Locations: Connecticut, Chevron

You can find foreclosed properties for sale on online listing sites or in your local newspaper. Often, you can browse foreclosed properties in your area using the same methods you would to buy a regular home, such as online listing sites like Zillow. Foreclosed properties owned by the government-sponsored enterprises Fannie Mae and Freddie Mac can also be found online. Fannie Mae's program for Fannie-owned foreclosed properties is called HomePath, while Freddie Mac's is called HomeSteps. Just be prepared for repair costs, as many foreclosed properties need significant updates before they're habitable.

Persons: they're, they'd, Fannie Mae, Freddie Mac, Fannie Mae's, Freddie Mac's, you'd, Kofi Nartey, it's Organizations: Fannie, HUD, REO Locations: Chevron

Market trends and data analysisTo get a better idea of whether you should sell now, get familiar with your local housing market. The best time to sell a house depends on your local market, but generally speaking, you'll find the following are true. This would provide steady monthly income and allow you to wait to sell until market conditions improve. You should consider local market conditions, your financial and personal needs, and larger economic conditions before you sell your house. To determine the best time to sell your house, look at local market trends, economic forecasts, and seasonal patterns.

Persons: they're, you'll, it's, we'll Organizations: Data, National Association of Realtors, Chevron Locations: Chevron

Understanding the Federal Reserve's role in mortgage ratesThe Federal Reserve's actions are a big influencer in where mortgage rates head. In the time since the Fed began raising rates, mortgage rates have climbed steadily. The Fed's impact on mortgage rates FAQsHow does the Federal Reserve affect mortgage rates? The Federal Reserve influences mortgage rates by setting the federal funds rate, which impacts borrowing costs, investor activity, and market conditions. When the Fed raises interest rates, mortgage rates often increase as well, making borrowing more expensive.

Persons: Michael Gifford, Fannie Mae's Organizations: Federal, Federal Reserve, Fed, Treasury, it's, Mortgage Bankers Association, Reserve, Chevron Locations: lockstep

Before saving for a down payment, calculate how much you'll need and set a deadline. Exploring down payment assistance programsDown payment assistance programs can help cover part or all of your down payment. Saving windfalls and bonusesWindfalls — or sudden influxes of cash — are a great way to pad your down payment savings. Not having a clear savings planDepositing a few bucks here and there isn't going to make much of an impact on your down payment savings. Yes, high-yield savings accounts, CDs, and investment accounts can be excellent tools for saving your down payment, especially if you have a longer time horizon.

Persons: You'll, you'll, windfalls, Windfalls Organizations: Netflix, Spotify, Federal Deposit Insurance Corp, PMI Locations: homebuyers, Chevron

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