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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

Cardi B says she and her husband Offset have broken up.The 25-year-old rapper posted a 42-second video on her Instagram account early Wednesday morning announcing the split."So, everybody been bugging me and everything. And you know, I been trying to work things out with my baby father for a hot minute now," she said."And we're really good friends and you know we're really good business partners and you know, he's always somebody that I run to, to talk to and we got a lot of love for each other, but things just haven't been working out between us for a long time," she added.Cardi went on to say, "And it's nobody's fault. It's just like I guess we grew out of love. But we're not together anymore. I don't know it might take time to get a divorce. And I'm going to always have a lot of love for him because he is my daughter's father and yeah."Cardi and fellow rapper Offset, a member of hip-hop trio Migos, secretly married last September at their home in Atlanta.The couple welcomed their daughter, Kulture Kiari Cephus, in July. 1046

CHICAGO, Ill. -- The IRS says it has issued more than 159 million stimulus payments in just over two months. About 0 billion has been dispersed via direct deposit, paper check and pre-paid debit cards. Yet, even today there are countless eligible Americans who say they’ve fallen through the cracks.In New York state, Hanna Brandow has no idea why she hasn’t gotten a stimulus payment.“My sister and I who both have not gotten the check yet. We did our taxes this year and got our returns already,” said Brandow. “So, it's very strange.”In California, Alexis Lopez is also in limbo.“For most people, it was like 'this person got it, this person got it,' said Lopez. "I was like, ‘well maybe there's some delay with mine.’ No big deal.”And in Ohio, Karen Melroy is also stuck in in stimulus purgatory.“I received my refund by a direct deposit,” said Melroy. “So, there's no reason I can think of why I shouldn't have received one.”All of them say they get the same message when checking on the IRS website.“I normally add a few more expletives to mine when I see it, but it's something to the effect of payment status not available,” said Melroy.It turns out they’re not alone. Those four words: "payment status not available" are exasperating countless Americans who appear otherwise eligible for payments but have not been paid and can’t get answers as to why.“The IRS obviously was very rushed and even when the government takes a year and a half to do a computer system, there are problems with it,” said Robert Probasco, director of the tax clinic at Texas A&M University.In May the IRS added 3,500 telephone representatives to help with problems, but most can only provide general information.“I found this like nine-step guide of how to get a human on the phone at the IRS. I did it twice and hit a dead end,” said Brandow.Because IRS offices remain closed due to the pandemic, the agency tells us that call center agents are working from home. That means they don’t have access to secure personal information specific to each case.“This was designed poorly obviously because it doesn't tell you which of those things happen and if it is a glitch, it doesn't tell you what kind of a glitch,” said Probasco.The IRS is doing a phased reopening at key processing sites and call centers.The IRS tells us some employees have returned to work in Kentucky, Texas and Utah. They say they will follow state and local guidelines as employees return to work in Georgia, Tennessee, Missouri, Michigan and by the end of June in Indiana, Ohio, California, Oregon and Puerto RicoBut if you can’t get your payment issue resolved by the end of the year, you may have to claim your unpaid stimulus assistance on next year’s tax return as a credit.“That doesn't help me today,” said Melroy.That's a sentiment many like Alexis Lopez share as they struggle to rebound financially from the pandemic.“You're left in limbo wondering, 'am I ever going to get this stimulus check that most Americans received?' And I'm in the minority that has not and there's no answers,” she said.The agency says for case-specific information ,the appropriate number to call remains 800-829-1040. Otherwise, you could call your local IRS office and even set up a face-to-face meeting once they reopen. 3281

CHICAGO, Ill. – A new law in Illinois allows prosecutors to charge you with aggravated battery if you assault a retail worker who’s enforcing mask requirements.The enhancement is part of a bill that Gov. JB Pritzker signed into law to expand workplace protections and support essential workers during the COVID-19 pandemic.Senate Bill 471 adds a penalty for assaulting or battering a retail worker who is conveying public health guidance, such as requiring patrons to wear face-coverings or promoting social distancing.The bill amends Illinois’ criminal code and provides that battery of a merchant is aggravated battery, which is normally a felony in the state.“This provision sends the message that it’s vitally important for workers to be both respected and protected while serving on the frontlines,” the governor’s office wrote in a press release.The legislation comes after several reports of people attacking workers who ask them to wear masks, like a recent instance at a New Jersey Staples store.The law also increases paid disability leave for any injury that occurs after March 9, 2020 by 60 days for firefighters, law enforcement and paramedics whose recovery was hindered by COVID-19. 1205

By JOYCE M. ROSENBERG and KEN SWEET AP Business WritersNEW YORK (AP) — Americans are likely to see more "for rent" signs in the coming months. That's because many businesses devastated by the coronavirus pandemic are expected to abandon offices and storefronts. The changes are happening because more employees are working from home, and more people are shopping online. The result could bring an end to the long boom in the nation's commercial real estate market. Hotels, restaurants and stores that closed in March have seen only a partial return of customers. Many of them may fail. Commercial landlords have reported an increase in missed rent payments. They expect vacancies to rise through the end of the year. 724