It’s déjà vu all over again: the U.S. could be heading into another government shutdown next week. What does that mean for your mortgage rate? Let’s break it down. 📊 Why the Jobs Report Matters Every month, the Bureau of Labor Statistics (BLS) releases the Employment Situation Report —better known as the “jobs report.” This report is the single most important piece of economic data for mortgage rates. Recently, the labor market (hiring, unemployment, wages) has been the main driver of interest rates , even more than inflation. If the government shuts down, the BLS closes too—and that means no jobs report on Friday . ⏳ What Happens If It’s Delayed? Without the jobs report, markets will be “flying blind” ✈️ and leaning on private data sources, like the ADP employment report (scheduled for Wednesday). 📉 A strong jobs market usually pushes rates higher. 📈 Weak job numbers can help bring rates down. But if there’s no report, investors and lenders are left guessing—leading to ex...
Moving is a big change for everyone in the household — and that includes our pets. While we may understand the reasons behind a relocation, our furry, feathered, or scaled companions often don’t. For them, the process can bring stress, anxiety, or even health issues. Here’s a guide to help you keep your pets safe, comfortable, and calm during a move. 📝 Before Moving Day: Preparation Is Key 1. Visit the Vet 🩺 Health Check: Make sure your pet is fit for travel. 💉 Vaccinations & Records: Confirm shots are up to date and bring copies of medical records. 💊 Travel Support: Ask your vet if anxiety medication might be helpful. 🐕 New Vet Referrals: Research vets in your new area before you move. 2. Update ID & Microchip Info 🏷️ Refresh ID tags with your current or new contact details. 📡 Update your pet’s microchip registration. 3. Prepare Travel Gear 👜 Carrier/Crate: Comfortable, well-ventilated, and secure. Get pets used to it ahead of time. 🦮 Leash & Harness: ...