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Buying a home can be nervewracking, especially if you’re a first-time home buyer. Not only is it probably the biggest purchase of your life, but the process is complicated and fraught with unfamiliar lingo and surprise expenses.To make the first-time home buying journey a little less stressful, NerdWallet has compiled these 25 tips to help you navigate the process more smoothly and save money. 404

CARLSBAD, Calif. — A North County company says it's closing in on the technology to keep lithium-ion batteries from igniting.In the last year, the rechargeable batteries have caught fire in Teslas, E-cigarettes, and smartphones. The incidents led to an emergency ban by the Federal Aviation Administration prohibiting shipping the batteries on passenger planes. "The issue has always been there, but now I think because lithium is so prevalent, we're seeing increased cases," said Jenna King, chief executive of Carlsbad-based Amionix.Kings said the industry has largely focused on protecting the battery from the outside, such as through cooling systems and protective layers. She said the batteries ignite due to an overcharge situation or internal short-circuit. Amionix instead is developing what it's calling SafeCore, essentially a circuit breaker on the inside to keep the battery from igniting. "If your battery management fails, or it's never even active because it's an internal short within the cell, our technology is going to protect you," King said. King said Amionix is now working with companies across industries to make sure their product works with their technologies. She declined to specify the companies but said they are well-known. She hopes to have the safety product in consumers' hands by next year, noting that it's inexpensive to manufacture and therefore should have a negligible impact on consumer prices. 1445

Caterpillar could eliminate nearly 900 jobs in the US and Central America, the company said on Friday.Job cuts will happen at locations in Texas and Panama as part of a restructuring, a spokeswoman said. Employees were notified earlier this year, she said.The heavy equipment manufacturer also said it is "contemplating the closure" of an engine factory in La Grange, Illinois, which is part of its subsidiary Progress Rail, a supplier of railroad and transit products. The closure, if it happens, would eliminate 600 full-time jobs in engine manufacturing. The company said it might be "transitioning" its rail manufacturing to facilities in Winston-Salem, North Carolina, as well as "outside suppliers." The company said the employees were informed in January.Caterpillar is planning to close its work tools facility in Waco, Texas, by the end of 2018, eliminating 200 job and contractor positions there, the company said. The employees were notified last month. The company plans to move the manufacturing to Wamego, Kansas, and also to "external suppliers."Caterpillar also confirmed that it's closing a facility in Panama, and that 80 jobs will be eliminated. The company said these workers were informed in January.The cost-cutting measures come even as a growing global economy is boosting demand for its heavy-duty equipment. The company reported in January that quarterly sales grew 18%, its first increase since 2012.Sales in North American grew by 46% driven by selling and leasing machinery for home building, infrastructure and for the oil and gas industries. Sales were also boosted by increased spending in China.The company added 3,000 employees last year to meet demand, bringing its total workforce to 98,000. 1735

CARLSBAD, Calif. (KGTV) — A North County company is offering one lucky person the chance to pursue their passion without worrying about the funding to start.The contest is being offered by Carlsbad-based apparel company prAna. The company is looking for one person who is willing to quit their day job and pursue their dream, offering the winner 0,000 to begin their new career.“The goal of this promotion is to spread our 'Clothing for Positive Change' philosophy,” said Jeff Haack, vice president of global marketing at prAna. “By asking the question, ‘how can prAna help you affect positive change in your life,' we are giving our audience a means to share their stories about what positive change looks like for them.”Think you are the right fit for the opportunity? To apply, submit a one- to three-minute video between Aug. 15 and Sept. 16 explaining what your current job is and what your dream job would be — the more inspirational the better. Applicants are also encouraged to show their passion in action.Submission will be reviewed based on passion, boldness, and originality. A winner will be selected and asked to quit their job and share updates on their new journey. Funding will then be distributed in four payments.Visit the company's website here to enter your story. 1296

CHARLOTTE, N.C. (AP) — JPMorgan Chase says it will extend billions in loans to Black and Latino homebuyers and small business owners in an expanded effort toward fixing what the bank calls “systemic racism” in the country’s economic system. The bank said it is committing billion over the next five years toward programs that include earmarking more money for getting Black and Latino families into homeownership and providing additional financing to build affordable rental housing units. The bank said it expects the billion to help finance 40,000 additional mortgages for Black and Latino households, another 20,000 loans that will refinance mortgages and help construct 100,000 affordable rental units. 722

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