For letters, long documents and questions that need care

Here's a note you can use — just swap in the names:

Dear [Neighbour's name],

Thank you so much for looking after my plants while I was away. Coming home to green, happy leaves instead of a row of sad twigs made all the difference — and it was such a relief knowing they were in good hands.

Please enjoy this small token of my thanks. I'm so lucky to have you next door!

Warmly, [Your name]

(70 words)

APR stands for Annual Percentage Rate. It's the yearly cost of borrowing money, expressed as a percentage — and it includes not just the interest rate, but also most fees the lender charges. That makes it a fairer way to compare loans than the interest rate alone.

Example: You borrow $1,000 for one year. The lender charges 8% interest ($80) plus a $20 setup fee. You pay $100 total to borrow $1,000, so the APR is about 10% — higher than the 8% interest rate, because the fee counts too.

Tip: When comparing offers, look at the APR. A loan with a low interest rate but high fees can cost more than one with a higher rate.

Lemon Chicken & Spinach Rice Skillet

1. Rinse 1 cup rice; cook with 2 cups water (or broth) and a pinch of salt — about 15 minutes, covered.
2. Meanwhile, season 2 chicken breasts (or 4 thighs) with salt, pepper, and a squeeze of lemon.
3. Heat oil in a skillet over medium-high. Sear chicken 5–6 minutes per side until golden and cooked through (165°F). Rest on a plate.
4. In the same pan, add a splash of oil and a big handful of spinach. Toss 1–2 minutes until wilted.
5. Stir the spinach and its pan juices into the cooked rice. Add lemon zest, a squeeze of juice, salt, and pepper.
6. Slice chicken, serve over rice, and finish with another squeeze of lemon.

Optional boosts: garlic in the pan with the spinach, butter stirred into the rice, or chili flakes on top.