As summer days wind down, parents nationwide prepare for the much-anticipated National Back to School Day, which falls on the first Tuesday of August each year. This significant day is a reminder to gear up for the upcoming academic year and ensures a smooth transition from leisurely vacations to structured school routines. To help parents navigate this time confidently and efficiently, we have compiled a comprehensive guide to ensure a successful back-to-school experience for parents and children.
Step 1: Stock Up on Supplies
One of the first and most crucial steps in preparing for the new school year is to stock up on essential supplies. The school supply list can be overwhelming, but many resources are available to simplify this process. Online retailers like Amazon and Target offer categorized indexes of items according to grade levels, making it easy to find exactly what your child needs. Additionally, watch for back-to-school discounts and promotions at stores like Staples, ws ...

The real estate market has faced unprecedented challenges recently, characterized by low inventory and soaring home prices. According to the National Association of REALTORS® (NAR) most recent existing-home sales report, sales in June 2023 fell by 3.3% to a seasonally adjusted annual rate of 4.16 million homes. This decline comes amidst a significant year-over-year sales contraction of 18.9%, reflecting a sharp drop from 5.13 million in June 2022.
Inventory Constraints and Price Trends
One of the primary factors contributing to the sales decline is the tight inventory situation. Total housing inventory remained steady at 1.08 million units, identical to May figures, but dropped by 13.6% compared to the previous year (1.25 million). Consequently, the unsold inventory currently sits at a 3.1-month supply at the current sales pace, indicating an increase from three months in May to 2.9 months in June 2022.
The median existing-home price for all housing types in June 2023 was $410,2. ...

Today's credit scores play a crucial role in determining an individual's financial health and opportunities. Whether you're applying for a mortgage, car loan, or even a job, your credit score can significantly impact your chances of success. Understanding credit scores and how they are calculated is essential for anyone looking to improve their financial standing. In this article, we will dive into everything you need to know about credit scores, including what they are, how they work, and tips to boost your score.
What is a Credit Score?
A credit score is a three-digit number representing your creditworthiness and financial reputation. It is a numerical assessment of your credit history based on various factors such as payment history, credit utilization, length of credit history, types of credit, and new credit inquiries. The most commonly used credit scoring models are FICO Score and VantageScore, which range from 300 to 850.
How Are Credit Scores Calculated?
Credit scores are c. ...

When it comes to enjoying a delightful cup of coffee, the Bethesda, MD, area boasts an impressive array of coffee shops that cater to all tastes and preferences. Whether you're a resident or a visitor to the area, exploring the vibrant coffee scene can be a fantastic way to start your day or find a cozy spot to work or catch up with friends. In this article, we'll take you on a journey through the top coffee shops in Bethesda, highlighting their unique offerings and inviting atmospheres.


Bean There, Brewed That: Located in the heart of downtown Bethesda, Bean There, Brewed That is a must-visit coffee shop for any caffeine enthusiast. This charming establishment takes pride in serving ethically sourced and carefully roasted coffee beans. Every cup is a testament to their dedication to quality, from their signature espresso-based drinks to a selection of handcrafted pour-overs. The cozy ambiance and friendly staff make it an ideal spot for relaxation and productivity.



Barking! ...

Amid a surge of Maryland jurisdictions passing laws to limit rent increases, Montgomery County councilmembers are jumping into the fray with their proposals. With two separate rent stabilization bills set to hit the Council floor, the county is about to witness a heated debate that has raged for decades. This article examines the competing ideologies behind the bills and their potential impact on the region's housing policy.

The Current Situation: The expiration of a temporary measure that capped rent increases in Montgomery County at 0.4% last May has prompted the introduction of two rent stabilization bills. At-Large Councilmember Will Jawando's bill proposes a permanent cap on most rent increases at 3%, aligning with the average hike in the area. District 6 Councilmember Natali Fani-Gonzalez, on the other hand, presents a more moderate approach with a bill that limits new hikes to inflation plus 8%.

Competing Ideologies: Jawando's bill aims to provide consistent hous. ...