Read this before you give or get help with a down payment

Plus, get the best seat on every plane No Images? Click here       There’s so much going on this week it’s almost overwhelming trying to keep up with the news and manage life at the same time. If you missed the new iPhone unveiling, there’s a guide below that’ll help you decide if an upgrade is a good thing.  On top of that, we’ve got what you need to know about cheap insurance, using money from others for a down payment, things you shouldn’t talk about at work, the lowdown on credit reports, and more. Happy Tuesday! Janie   Keep it clean Ever think about how gross your pillow must get? I’m a religious sheets-washer and overly enthusiastic mattress cleaner, but I had no idea you can and should actually wash your pillows. Free yourself from extra dirt, dust, mold, fungi and bacteria with this pillow-washing guide from Consumer Reports (yes, even down, feather, foam and buckwheat pillows can hit the suds). You should wash your pillows twice a year, according to Consumer Reports, and air them out every month or so. Bonus: It’s a lot cheaper than replacing them frequently.  How to wash your pillows     Deal with it Some 25 percent of homebuyers get the cash needed to make their down payments from parents or family members, and if you’re lucky enough to have someone who can help you out (or you’re a parent who can help your child), you should know it’s a little trickier than you might think. Get the lowdown on the paperwork you need to complete it, the limits of your gift, and a reminder that yep, there’ll be taxes involved. How to buy a house when you get help with the down payment Pro Tip: Apple just released new iPhones. And while the XR, XS and XS Max look amazing (and have some great new camera features), it’s hard to know exactly what to do: Should you replace your current iPhone ASAP? Can you even live without a home button? Thankfully, Lifehacker’s guide tells you whether it’s worth upgrading if you currently own an iPhone X, an 8 or 8 Plus, or an older model. One crucial money note: The new phones don’t have headphone jacks at all, so upgrading also means buying wireless headphones. Sigh. Want more practical magic? 7 taboo things you should never talk about at work [HuffPost] What you need to know about cheap insurance [US News] Credit report vs. credit score: What’s the difference? [HuffPost] These 5 rebel movements want to change how money works [HuffPost] 10  My husband and I couldn’t get jobs, so we moved into my parents’ retirement community [HuffPost] Before you go: HuffPost wants to help you with this whole parenting thing. Join us Friday, November 2 at HuffPost Parents' first-ever event, HOW TO RAISE A KID.    .     HuffPost is now a part of Oath and a part of Verizon. On May 25, 2018 we introduced a new Oath Privacy Policy which will explain how your data is used and shared. Learn More. No moon dust. No B.S. Just a completely essential daily guide to achieving the good life. Subscribe here. Like what you see? Share it. Can't get enough? You'll also love HuffPost's Entertainment newsletter. ©2018 HuffPost | 770 Broadway, New York, NY 10003 You are receiving this email because you signed up for updates from HuffPost Feedback | Privacy Policy | Unsubscribe      . - - Preferences  |  Unsubscribe