When prices are high or the economy is uncertain, holding off on a home purchase feels sensible. But we’ve done the math, and it turns out that waiting may have its own costs.

When it comes to major purchases, it’s tempting to try to time the market perfectly. Sometimes that’s easy, like waiting until Black Friday to buy a TV, or stocking up on Christmas decorations in January. But what about buying a house?

Fresh berries are one of the great treats of summer, and this dish makes the most of them. Although similar to a coffee cake, a buckle gets its sweetness from fruit rather than brown sugar, and with its burst of color and flavor, it’s perfect for either dessert or breakfast. It’s also a delicious way to use leftover berries, because you can use whatever mix you have on hand. Try different combinations to find your favorite taste!

If you’re feeling squeezed by rising homeowners insurance costs, you’re not alone. The average property insurance premium has gone up 61% over the last five years,* and that can take a bite out of your budget. According to the ICE Mortgage Monitor report, property insurance costs continue to be the fastest-growing subcomponent of monthly home payments compared with principal, interest, and property taxes.