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The proposal was perfect. You’ve told friends and family the exciting news and shared pictures of the sparkly new ring on Instagram. Now it’s time to plan the wedding. Setting a realistic budget is a smart first step.But throwing out a number is one thing; sticking to it is the hard part. According to The Knot’s 2017 Real Weddings Study, 45% of couples who married in 2017 reported spending more than they had planned.“The last thing you want to do is begin your formal life together with a lot of debt because you were under pressure to have a certain type of event that you didn’t want and couldn’t afford,” says Marguerita Cheng, a certified financial planner at Blue Ocean Global Wealth in Gaithersburg, Maryland.It’s important to discuss what you’re comfortable spending and research wedding costs. Here’s how to make a budget you can commit to.Add up your funds 892

The number of Americans applying for unemployment benefits fell last week to a still-high 712,000, the latest sign that the U.S. economy and job market remain under stress from the intensified viral outbreak. Thursday’s report from the Labor Department said that initial claims for jobless aid dropped from 787,000 the week before. Before the virus paralyzed the economy in March, the number of people applying for unemployment benefits each week had typically amounted to roughly 225,000. The chronically high pace of applications shows that nearly nine months after the pandemic struck, many employers are still slashing jobs. 636

The latest fight between FedEx and UPS isn't about shipping. It's about ties to the National Rifle Association.UPS said in a statement Wednesday that it is not a sponsor of the NRA and that it does not offer a special discount for NRA members.That comes after its competitor, FedEx — itself fielding criticism from activists for standing by its NRA shipping discount — accused UPS of having a relationship with America's top gun lobby."For shipping from its online store, the NRA uses UPS and not FedEx," FedEx said on Tuesday.  551

The housing market has been strong in 2020, but as we head into 2021, it seems the market will continue to buck all home buying and selling trends.“It used to be true the home buying season was spring or summer when kids are out of school,” says Daryl Fairweather, chief economist for Redfin. “The pandemic has changed all that.”It's her job to study the market, follow migration patterns, and make sure both agents and customers are informed.“I predict that the early winter -- January, February -- is going to be an unusually busy home buying and selling season,” Fairweather says.Fairweather said people can move anytime and they're eager to get it over with when they've made the decision to relocate.“People want to move to places that really fit their preferences whether it's a beach town or a lake town or to be closer to their family, people are moving to places that they really want to live in, not just places that are close to the office,” Fairweather said.Jordan Thomas bought a home while the market has been hot.“It's a very quick process, buying was extremely competitive,” Thomas said.Thomas said she was among the many who decided the time to buy is now.“Because the interest rates were so great, I was able to get a really great deal on a larger home for myself,” Thomas said.She was the first to put in an offer on her Houston-area home. Six more offers followed that same day.“Because I was the first to put in the offer and I was aggressive with what I put forth, the first time around was the reason why I ended up getting the home,” Thomas said.And true to Fairweather's prediction about what people want in a home, Thomas was ready to renovate. Like others, she wanted an updated, larger kitchen and a bigger home office.“Two days after I closed on my home, I handed the key over my contractor and said ‘go to town,’” Thomas said.If you're looking at one of those "hot markets,” places like the suburbs, vacation towns, or mountainous and lake areas, Fairweather said, “My advice to buyers is that timing matters.”Fairweather added that buyers should be ready for competition. 2110

The political ramifications of Ruth Bader Ginsburg’s death on Friday will likely ripple into November and beyond.Her death coming in the final two months of the 2020 presidential election will bring up considerable questions on who will replace her, especially given the divided nature of the Supreme Court.The court, which has seen its share of 5-4 decisions in recent years, could become a reliably conservative court for years to come if President Donald Trump is able to push through a nominee leading up to the election.Currently the court holds five Republican-appointed justices and three Democratic-appointed justice, but Chief Justice John Roberts, appointed by George W. Bush, has sometimes been a swing vote, siding with the liberals.But one person who is opposing a last-minute appointment to the bench was apparently Ginsburg herself.Dictating a statement to family that was released to NPR, Ginsburg said, “My most fervent wish is that I will not be replaced until a new president is installed.”In 2016, conservative Justice Antonin Scalia's death came nine months before the presidential election, and became a focal point of that year's election. President Barack Obama attempted to fill the seat, but Republicans in the Senate blocked the appointment.Senate Minority Leader Chuck Schumer reminded Senate Majority Leader Mitch McConnell on Friday of that fact.“The American people should have a voice in the selection of their next Supreme Court Justice. Therefore, this vacancy should not be filled until we have a new president,” Schumer tweeted, which were the exact words used by McConnell in 2016.On Friday, McConnell confirmed that a potential nominee would get a vote in the Senate, but there are questions on whether a potential nominee would have enough support to be confirmed. "President Trump’s nominee will receive a vote on the floor of the United States Senate," McConnell said. McConnell said this situation is different because Republicans control the White House. "Americans reelected our majority in 2016 and expanded it in 2018 because we pledged to work with President Trump and support his agenda, particularly his outstanding appointments to the federal judiciary. Once again, we will keep our promise," McConnell said.Just last week, Trump released a list of potential Supreme Court nominees. That list can be seen here.Joe Biden agreed with Schumer. "The voters should pick a President, and that President should select a successor to Justice Ginsburg," Biden said. "This was the position that the Republican Senate took in 2016, when there were nearly nine months before the election. That is the position the United States Senate must take now, when the election is less than two months away. We are talking about the Constitution and the Supreme Court. That institution should not be subject to politics."HOW A SUPREME COURT JUSTICE IS CONFIRMED- The president nominates a replacement to be vetted by the Supreme Court.- After vetting the nominee, the Senate may take a vote to accept the nomination. The vote nomination must have 51 votes in order to pass. If there is a tie, the vice president can vote to break a tie.- There are 53 Republicans in the US Senate. It would take four Republicans to vote in opposition in order for a potential nominee not to be approved. 3322

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