Halloween is only a few weeks away! Do you have children who still need costumes? Or maybe you just got a last-minute invite to a Halloween party? Don’t worry, we’ve got some great costumes that you can put together in a flash.
Cereal Killer – If you like word play, this costume is for you. Buy several small boxes of cereal. Cut small holes in the boxes and glue a plastic knife in each hole. Then glue the boxes onto a t-shirt. You can add fake blood to make it even more over the top.
Bubble Bath – You can make a splash with some balloons, shower cap and loofah. Blow up white or clear balloons and safety pin them to a white t-shirt. Put on the shower cap and carry the loofah.
Costume Not Found – This one is great for the tech crowd. Write the words “Error 404: Costume Not Found” on an old t-shirt. Voila! An easy and clever costume.
Back to Basics – Traditional Halloween costumes are a great option! You can cut eye holes into an old sheet to be a ghost, get a witch hat, or use heavy-duty toilet paper to create a mummy costume.
Smartie Pants – An old pair of pants and a bag of Smarties candies are all you need for this costume. Glue packages of candy all over the pants and you’re good to go! Don’t you feel smarter already?
Formal Apology – Break out the fancy clothes for this one. Wear a suit or cocktail dress and make a sign that reads, “I’m sorry.” The more extravagant the clothes, the better.
EASY Three Ingredient Pumpkin Chocolate Chip Cookies
- 1 can of pure pumpkin (small, 15 oz)
- 1 box of spice cake mix
- Chocolate Chips 1-2 cups (depending on taste)
- Preheat oven to 350.
- Mix cake mix and pumpkin together. Stir in chocolate chips. Drop cookies onto greased cookie sheet. Bake for 8-9 minutes. Let cool slightly before serving.
Yes, that's it. Easiest recipe EVER
Your credit score can make the difference between whether or not you qualify for a mortgage. It can also affect your interest rate and how much home you can afford. Click the image below for 3 tips to help keep your credit score healthy!
For information about what's in a credit score, check out our video.
2 tablespoons olive oil
12 ounces uncooked shrimp (peeled and deveined)
½ teaspoon salt, divided
1 medium shallot, diced
¼ cup chicken or vegetable broth
¼ cup dry white wine
2 tablespoons fresh lemon juice
¼ teaspoon ground black pepper
4 tablespoons fresh chopped parsley
3 tablespoons drained capers
2 tablespoons butter, diced
Lemon slices (to serve)
Heat the oil in a large skillet over medium-high heat. Add the shrimp and season with half the salt. Cook the shrimp until it turns pink and is slightly undercooked (about 3-4 minutes). Remove the shrimp from the skillet with a slotted spoon and set aside for later. Add the shallot to the pan and cook for 1 minute, stirring occasionally. Then add the broth, wine, lemon juice, pepper, and the remaining salt. Simmer for 5 minutes. Put the shrimp back into the skillet to finish cooking. Cook for 1 minute, or until the shrimp is completely cooked. Remove the pan from the heat and stir in the parsley, capers, and butter. Serve immediately (once butter has melted) over the pasta of your choice, rice, or zoodles and top with lemon slices.
As you move through the home buying process, there are many things you should keep in mind. Here are the Top Ten financial pitfalls you should avoid when purchasing a house.
#1) Do not change jobs.
Change in your job status will cause your file to be re-underwritten and reconsidered. This may cause a delay with your loan process or possible denial of your loan application.
#2) Do not co-sign a loan for anyone.
During the loan process, changes to your credit report or status could negatively affect your ability to close your loan on time or at all.
#3) Do not buy a vehicle.
Applying for credit to purchase a vehicle will be recorded as an inquiry into your credit. This may decrease your credit score or decrease the amount of money that you may qualify for when purchasing a home.
#4) Do not use charge cards excessively or make late payments on ANY of your accounts.
Excessive use of credit cards can have negative effects on your credit rating. Inquiries are recorded by credit bureaus and balances on credit cards exceeding 35% both affect your debt to income ratio and decrease your credit score. Also, late payments of any type can decrease your credit score, increase your home loan interest rate, delay loan closing, or cause loan denial.
#5) Do not spend money you have set aside for closing.
Most conventional loans require 2 months of reserve money to be verified in your available financial accounts. Once it has been verified for use at closing, spending these reserve funds may result in loan closing delays or loan denial.
#6) Do not omit debts or liabilities from your loan application.
Please be honest and clear about ALL of your debts or liabilities early in the loan application process. Having the right information will allow your Loan Originator to provide you the best qualifying loan value. Unrecorded debts or liabilities that are found later in the process may affect the amount of money you qualify for in addition to causing delays or denials of your home loan.
#7) Do not buy furniture, appliances, or household items before closing.
Large purchases causing deductions in your banking accounts or additional debt on credit cards can negatively affect your loan process resulting in delays or denials.
#8) Do not originate any inquiries into your credit.
Multiple inquiries into your credit may decrease your credit score and any credit checks could negatively affect your ability to qualify for a home loan.
#9) Do not make large deposits without first checking with your loan originator.
Abnormal deposits or large deposits into checking, savings, or any financial account beyond normal payroll deposits must have money sources verified by Underwriting. Making these deposits could result in loan processing delays or denials.
#10) Do not change bank accounts.
Because the loan process requires a 2-month history of reserve funds, opening new financial accounts near a closing date may void this history. New bank accounts will not have the 2-month history available and cannot be used. This may result in loan closing delays or denials.