Core Message - The central message emphasizes that purchasing a home without financial readiness can jeopardize one's financial future rather than enhance it [2][3]. Group 1: Financial Readiness for Homeownership - Buying a home is not inherently beneficial when individuals are financially unprepared, as it can lead to significant financial strain [3]. - The timing and circumstances surrounding the home purchase are critical; stretching beyond financial means or employing risky financing can result in disaster [4]. Group 2: Criticism of Cosigning - The use of cosigners for home loans is particularly criticized, as it indicates that the primary borrower lacks the financial stability necessary for independent mortgage management [5][6]. - Ramsey argues that if banks require cosigners, it should serve as a warning sign to halt the home purchase rather than encourage alternative financing methods [6]. Group 3: Homebuying Requirements - Before considering homeownership, individuals should be completely debt-free, excluding the mortgage, to ensure housing costs do not compete with other debts [7]. - A fully funded emergency fund, typically covering three to six months of expenses, is essential to protect against unforeseen financial challenges [8].

Utah, US-based Bed Bath & Beyond is launching a national franchise system to expand its namesake retail presence. The retailer — which also owns Overstock, Buybuy Baby and a blockchain asset portfolio — has stated that the new system will enable it rto un a smaller number of corporate stores nationwide while rapidly scaling through franchised locations. It looks to finalise franchise documentation by spring 2026. Franchise stores will offer turnkey Bed Bath & Beyond formats — Home, Kitchen & Living, Sto ...

Campaign highlights the power of community giving and honors educators and leaders supporting youth nationwide , /PRNewswire/ -- Macy's summer giving campaign once again inspired customers nationwide to round up at the register and donate online in support of youth literacy and wellbeing. The campaign is part of Macy's, Inc.'s social commitment, Mission Every One, and this year, Macy's once again partnered with Reading Is Fundamental (RIF), the nation's leading children's literacy nonprofit, and the Nationa ...

It’s not just you: Across the country, prospective homeowners are feeling the squeeze. The median monthly costs for U.S. homeowners with a mortgage have increased to $2,035 per month, according to a recent report from the Census Bureau (1). So, can a household earning $61,000 per year afford to carry those costs, and more, each month for years on end? The short answer is: For most people, no. Must Read Generally, experts recommend spending no more than 30% of your monthly income on housing costs, incl ...

The Home From ‘Big Little Lies’ And ‘Basic Instinct’—Lists For $91.35 Million https://t.co/z3N3MQvb35 https://t.co/y6jAtKeTYs ...

The Home From ‘Big Little Lies’ And ‘Basic Instinct’—Lists For $91.35 Million https://t.co/KDVaOtYA9d https://t.co/VtIBiaaXYE ...

New Redfin data showed that the median home sale price hit a record of $396,500, but its still below asking prices in a reversal of trends from a few years ago when buyers outbid each other to pay more than the listing price. https://t.co/8iiSn7mUep ...

Core Viewpoint - Analysts forecast a quarterly loss of $0.22 per share for Kohl's, indicating an 8.3% year-over-year increase in losses, with revenues expected to be $3.2 billion, a decline of 5.2% compared to the previous year [1] Earnings Estimates - The consensus EPS estimate has been revised upward by 9.1% over the past 30 days, reflecting analysts' reappraisal of their initial projections [2] - Changes in earnings estimates are crucial for predicting investor reactions, with empirical studies showing a strong correlation between earnings estimate revisions and short-term stock price performance [3] Revenue Projections - Analysts predict 'Other revenue' at $179.90 million, down 11.8% from the prior year [5] - 'Net Sales' are expected to reach $2.99 billion, reflecting a year-over-year decline of 6% [5] - 'Revenue Recognition- Accessories' is forecasted at $635.98 million, showing a 2.9% increase from the previous year [5] - 'Revenue Recognition- Children's' is projected at $319.26 million, down 7.2% year-over-year [6] - 'Revenue Recognition- Footwear' is expected to be $246.51 million, a decline of 18.1% from the prior year [6] - 'Revenue Recognition- Men's' is forecasted at $592.47 million, indicating a slight decrease of 1.3% [6] - 'Revenue Recognition- Women's' is expected to be $858.60 million, down 7% from the previous year [7] - 'Revenue Recognition- Home' is projected at $387.74 million, reflecting a decrease of 1.1% [7] Store Metrics - Analysts predict the total number of stores will reach 1,152, an increase from 1,100 in the previous year [7] Stock Performance - Kohl's shares have increased by 15.4% over the past month, outperforming the Zacks S&P 500 composite, which rose by 10.7% [8] - With a Zacks Rank of 3 (Hold), Kohl's is expected to mirror overall market performance in the near future [8]