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Experts offer tips for sobriety during the holidays

Experts suggest scheduling extra support group meetings or therapy sessions, knowing that things could get difficult.

Critically endangered Marsh Tacky horse shaped American history

Marsh Tacky: Critically endangered horse shaped American history

9:15 am UTC Aug. 3, 2021 He was born at 8:40 a.m. on April 5.  When he entered the world, the world greeted him as a soft ridge in Anderson County. That s where, in the first moments of his remarkable existence, he laid in the sun, legs folded under his narrow chest.  When he entered this world, he changed it.  He is one of the rarest horses on the planet. He will be only one of maybe 15 of his breed, known as the Marsh Tacky, born this year in the horse s native South Carolina. These horses, still unique to the Palmetto State, are known as small and smart, as survivors. Over the course of half a millennium, they evolved on our isolated sea islands to be tough and mighty and fearless.

Why there s still hope for first-time buyers

Yet all is not lost, says Mark Harris, chief executive of mortgage broker SPF Private Clients.  ‘There are plenty of schemes and lenders with options available to help people achieve their dream of home ownership,’ he adds.  Raising a deposit and meeting strict affordability checks are the biggest hurdles for first-time buyers. But a surge in saving over lockdown, as families spent less, has helped many raise chunkier downpayments.  And with the boom in homeworking, some younger buyers may be able to look beyond costly major cities.  Here, Money Mail outlines the help on offer for first-time buyers searching for a home of their own.

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