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HMow Millennials Spend Their Moneyillennials include people born $1,000, says the survey. Canadians are between 1980 and 2000. saving even less, even though in the early Millennials have become an 1980s Canadians of most ages used to saveand dine out more than other generations, but generally spend less money overall.• Healthcare: Millennials spend about $1,000 more on healthcare expenses than the generations that preceded them, states financial resource Mother Jones. Housing and education costs also have risen, contributing to a smaller pool of savings.• Same-day delivery: A survey indicated that millennials are twice as likely as other generations to pay extra for same- day delivery of online purchases.• Tattoos: Surveys conducted for Pew Research found that 40 percent of millennials have at least one tattoo.• Organic foods: A Gallup poll from the summer of 2016 found 53 percent of Americans ages 18 to 29 actively try to include organic foods in their diets.Millennials have grown up during a period of rapid change. Their large numbers are shaping the economy in myriad ways.Simple, Inexpensive Staging Strategiesinfluential demographic, changing the way business is conducted.While influencing technology, social norms and mores, millennials also are affecting the economy. Forbes says that many millennials have a shaky relationship with money, due in some part to the fact that they lived through one of the worst recessions the United States has experienced in decades. Couple that with staggering student loan debt and it’s easy to see why millennials may be facing an uphill battle when it comes to their finances.Millennials are falling particularly short in regard to saving money. According to a 2017 GOBankingRates survey, 57 percent of Americans have around $1,000 in savings. Sixty-seven percent of young millennials, between ages 18 and 24 have less thantwice as much as Americans, or 20 percent of their disposable income, according to the Bureau of Economic Analysis.Many millennials spend more than they earn and live above their means according to a report by American Express Business Insight. This, along with school debt, has compromised millennials’ ability to purchase a home or even get married.Just how are millennials spending their money? Here’s a look at the common patterns.• Experiences: Funding experiences is a high priority for Gen Y. This includes concerts, sporting events, live performances, and other social events more so than possessions or career status, offers Forbes.• Retail goods and dining: TD Bank found that millennials make more retail purchasestaging has long been part of selling bathrooms and closets. Clear out the clutter a home, and for good reason. When in each room in the house before hosting an selling a home, it makes sense for open house. Note that it’s not just bedroomsyou hang your coats on a coat rack in a foyer or entryway that does not have a closet, remove the coat rack before hosting an open house. Coat racks can make the space feel cramped. If there’s room, place a small table and bench just inside the door.• Take care of the yard. You only get one chance to make a first impression, and the first thing buyers will see when they pull up outside your house is the exterior of your home. Landscaping is important, and a well- maintained yard suggests to buyers that owners have taken pride in their homes, and that may extend inside the home. Make sure the grass is freshly cut, shrubs and trees have been trimmed, bald spots in the lawn have been addressed, and exterior living spaces have been cleaned and cleared of clutter.Staging a home sounds complicated. But there are various simple and inexpensive ways to make a home more attractive to prospective buyers.sellers to make their homes as appealing as possible, even if a recent study indicates that staging may not compel buyers to offer more money.Researchers at Old Dominion University and Johns Hopkins University found that staging did not have a significant effect on the actual revealed market value of a property. However, homeowners should not interpret that as a reason to skip staging. In fact, the study’s authors note that staging gave buyers more favorable impressions of a property, which might accelerate the selling process.Staging a home need not be difficult. In fact, homeowners can employ several simple and inexpensive staging strategies to entice buyers to make offers on their homes.• Clear out the clutter, especially in8 tablespoons (1 stick) unsalted butter, melted and cooled, plus 1 tablespoon at room temperature for the pan2 tablespoons granulated sugar2 bananas3⁄4 cup chopped pecans ( optional)3 tablespoons dark brown sugar1 teaspoon ground cinnamon11⁄2 cups unbleached all-purpose flour 1 teaspoon baking soda1 teaspoon baking powder1⁄4 teaspoon freshly grated nutmeg1 cup granulated sugar2 large eggs, lightly beaten1⁄4 cup sour cream1 teaspoon pure vanilla extractPreheat the oven to 350 F. Butter a 9-inch round cake pan with the 1 tablespoon room temperature butter and dust with theand living rooms that should be made to look open, spacious and clutter-free. A luxurious, hotel-quality bathroom that’s open and airy can impress buyers, as can organized closets that are not jam packed with clothing, shoes and other wardrobe items that have a tendency to take over closets the longer someone lives in a home. • Let the sun shine in. A home that’s bright and airy tends to appear more spacious and livable than one in which the windows and blinds are closed. Before hosting an open house, open the blinds and crack some windows if the weather permits.• Start right inside the front door. A welcoming, clutter-free foyer or primary entryway makes a strong first impression, immediately giving buyers an idea of what it will be like to welcome their own friends and family into a home should they buy it. Ifgranulated sugar and tip out any excess. Place the bananas on a small rimmed baking sheet and roast for 15 minutes. Remove and set aside to cool.In a small bowl, combine the pecans, brown sugar and cinnamon. Set aside.Sift the flour, baking soda, baking powder, and nutmeg through a fine-mesh strainer into a medium bowl.In the bowl of a stand mixer fitted with the paddle attachment, beat together the butter and sugar on low speed until light and fluffy, 2 to 3 minutes. Add the eggs one at a time, mixing well after each addition. Scrape down the sides of the bowl with a spatula, then add the roasted bananas, sour cream and vanilla. Beat until incorporated. With the mixer running on low speed, spoon in the flour mixture and mix until justcombined.Pour the batter into the prepared panand smooth the top with a spatula. Sprinkle evenly with the pecan topping. Bake for 40 to 45 minutes, or until a toothpick insertedinto the center comes out clean with a few crumbs attached.Let cool for 10 minutes before slicing and serving.20www.heloteshighlights.comDecember/January 18 -19

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