The constraints of a Brooklyn town house renovation might, at first glance, seem rigid and prescriptive—stacked floors, each long and narrow, bound by four exterior walls, the front one often landmarked. Inside, the primary challenge is universal: how to best bring light into that interior core. But as the architecture firm Leroy Street Studio was recently reminded, the idiosyncrasies of this classic building type can be as varied and compelling as its inhabitants.
Six years ago, the Leroy Street team was approached by Jeanne and Dennis Masel, a creative and philanthropic couple who had recently purchased a historic home in Park Slope. Originally designed by architect Fred W. Eisenla, the 1910 property hews to the British Regency style, with bowed windows, a limestone façade, a central entrance, and a street-level stoop. This was not, in other words, your typical brownstone.
Nor were the Masels your typical clients. In describing their vision for the home, Dennis, a free-spirited entrepreneur, musician, and film producer, is quick to invoke rock ‘n’ roll and fun as guiding principles. Jeanne, the founder of Art for Change, brought her own yen for whimsy and adventure, not to mention a dynamic trove of contemporary works. “Our architectural ambition had to match her commitment to art,” says Leroy Street partner Shawn Watts. “The house was already beautiful on the street but it didn’t have the spatial complexity that the clients needed for their collection.”
So he made a bold pitch: Why not completely reimagine the rear half of the house, replacing three levels with two so as to yield high ceilings and ample wall space? Whereas the lower half of that pair now contains the kitchen, dining area, and sunken family room, the upper comprises the formal living room and library. “That was our big move,” Watts explains of the staggered floor plates, noting that “by making this surgical intervention we then had to reunite the front and back.”
To do so they created a sculptural but functional staircase, with fluid curves that shift to reveal a skylight only upon ascent. Its glow, however, is felt throughout the house, fulfilling the elusive promise of a bright core. Sun, all the while, bathes the family room and library thanks to sliding window walls. “It feels like you are in the garden,” says Watts. Those blurred indoor/outdoor lines continue to the primary suite, which has a terrace of its own, as well as to the penthouse addition, which can open up to fresh air on two sides.
Art, of course, remains the focus. The mud room, accessible via a street-facing side entrance, was designed specifically for a circular work by Takashi Murakami. Framed by an archway, it now pops against magenta walls—a hue echoed in the Tracey Emin neon piece at the base of the staircase. Elsewhere are works by past collaborators with Art For Change, which partners with nonprofits to raise funds through the sale of prints. Those include the dining area’s paintings by Danielle Orchard and Hyegyeong G. Choi, and the primary bath’s site-specific mosaic by Summer Wheat. “We talked a lot about having the unexpected around each corner,” Dennis reflects of the overall mix, which remains in flux as the couple rotates pieces in and out of storage.
Welcome to NerdWallet’s Smart Money podcast, where we answer your real-world money questions. In this episode:
Explore the ins and outs of planning a group cruise, from choosing the right trip to coordinating on-board activities.
What are the benefits of booking a group cruise for your friends and family?
What amenities do cruises offer that could make travel easier for you and your group?
Hosts Sean Pyles and Meghan Coyle discuss how to choose and book the best cruise to help you understand the logistics of planning a group vacation at sea. They begin with a discussion of the advantages and drawbacks of going on a cruise with a group, with tips and tricks on selecting destinations that fit your travel style, managing the financial aspects of shared cruise costs and utilizing onboard amenities for all age groups.
Then, Sean and Meghan discuss the ins and outs of cruise excursions and travel tips for groups. They discuss the importance of early reservation for excursions, strategies for avoiding the rush when disembarking at ports, and the value of shared travel experiences for bonding with your party.
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Episode transcript
This transcript was generated from podcast audio by an AI tool.
Sean Pyles:
Planning a group vacation is not easy. You need to consider multiple opinions around transportation, lodging, food, entertainment. The Google Doc could be a lengthy one. Not to mention the bill. But there’s one way to go that takes all of those decisions out of your hands. Today we’re going to explore the pros and cons and costs of taking a group on a cruise.
Meghan Coyle:
There are some people who like to sit on a beach during their vacation and not do too much else. If that’s your style, then I’d suggest looking at a cruise like in Hawaii or the Caribbean where there’s a lot of stops at beaches and you don’t have to waste time looking at a city or something if you don’t want to.
Sean Pyles:
Welcome to NerdWallet’s Smart Money Podcast. I’m Sean Pyles.
Meghan Coyle:
And I’m Meghan Coyle.
Sean Pyles:
This episode concludes our nerdy deep dive into group travel. Meghan, it’s been so fun thinking about all the different ways to travel with friends and family.
Meghan Coyle:
Yeah, I think we’ve covered a lot of ground, Sean. Group travel and airlines, where to stay with groups, how to get groups from one location to another via cars, trains and public transit. And today we’re going to talk about the option that puts all of that in one place. Well, maybe not the airline part, but you get my drift, my ocean drift.
Sean Pyles:
Yes, it’s time to hit the water for a cruise.
Meghan Coyle:
We’re cruising, Sean.
Sean Pyles:
Will Julie McCoy, Isaac Washington and Captain Stubing be welcoming us aboard?
Meghan Coyle:
Oh, Sean, that is an old school reference for all time, and you’re not that old.
Sean Pyles:
I’m not, but a classic is a classic. But seriously, whether it’s Love Boat or Death on the Nile, trips aboard a cruise are legendary and a huge part of vacation culture.
Meghan Coyle:
They are. In fact, more than 12 million Americans went on cruises in 2022, part of the post pandemic cruise rebound. And if you think about it really, is there any better way to wrangle a group of people in one place while allowing them to pretty much do whatever they want?
Sean Pyles:
Well, cruises are not for me, but you do have a point. So I’m looking forward to hearing more about some of the logistics and costs and things to watch out for and anticipate. And today you are the one in the hot seat.
Meghan Coyle:
I am. I’m not only your purser, I’m your expert.
Sean Pyles:
All right, well listener, we want to hear your thoughts about group travel. Are you organizing a trip for a bunch of friends? If so, how are you going about it and what questions do you have? Leave us a voicemail or text the Nerd hotline at 901-730-6373. That’s 901-730-NERD. Or email a voice memo to [email protected]. Stay with us. We are back in a moment.
Meghan, let’s talk cruises. I have to start out with a confession. I’ve never been on a cruise. I guess it’s a two part confession because the other part is that I’m wary of cruises. So tell me, what is your experience with cruises?
Meghan Coyle:
So I’ve been on three cruises and I’m going on another one this summer and I was also a little wary of them, but my grandma loves them and she just has been booking them as a way to get our extended family together and we literally have four generations traveling together when we go on a cruise. So it’s been nice because, yeah, it’s like a little reunion and we get to see a new place together.
Sean Pyles:
The family aspect seems great because you can get everyone in one place and it’s not that difficult once you’ve all gotten onto the boat. Once you’re there, what’s exciting to you about cruises?
Meghan Coyle:
So I like seeing a lot of destinations. I’m trying to learn how to slow travel, but for right now I love being really efficient and when I have a few days off, seeing as many places as I can in those few days and cruises are a great way to do that. You don’t waste a lot of time driving. And honestly, there are a lot of destinations that are just easier to see by water. For example, I went on an Alaska cruise and I recommend that to anyone who’s a little wary of cruises because there really is no better way to see Alaska. It is just so big. It would be impossible to drive all of that.
Sean Pyles:
And I imagine if you’re someone who doesn’t like to get super into the logistics of traveling and just wants to get on a boat and be shown things, cruises could be really appealing.
Meghan Coyle:
They help you set the itinerary and oftentimes they’ll even tell you what time you need to be at dinner. It can be very planned out for you, which is really nice.
Sean Pyles:
How can folks choose which cruise to go on, there are so many?
Meghan Coyle:
Of course look at cruises that interest you and fit your travel style. So there are some people who like to sit on a beach during their vacation and not do too much else. If that’s your style, then I’d suggest looking at a cruise like in Hawaii or the Caribbean where there’s a lot of stops at beaches and you don’t have to waste time looking at a city or something if you don’t want to.
But if you are more into the city destinations or going to see a different country perhaps, and you need a bit more of a mix of relaxing days and touristy days, then I’d recommend looking at other locations that would maybe provide a mix of those two things for you. So the Mediterranean is often a good option. I think Southeast Asia would be really cool to go see, to get a little mix of both.
Sean Pyles:
So really know yourself, know what you want out of your vacation, know how you like to travel and then see what kind of cruise can fit the bill for you. Like I mentioned, I haven’t done a cruise before and I’m kind of wary of them in part because there are so many people just shoved onto this big boat in the sea and that’s just not my thing. But maybe I would look into a smaller boat, a more intimate type of cruise.
Meghan Coyle:
Exactly. There are so many different types of cruises like a river cruise for example, might be an example of a smaller ship that might be more interesting to you. And there’s also a lot of newer cruises, newer ships, and they’ve done a lot in the past 20 years probably to make these cruises really private in some ways. There’s a lot of third spaces where you can hang out outside of your room. So if you’re worried about the crowds, you might be pleasantly surprised that there’s actually some places you can go on a cruise ship where you can have some alone time.
Sean Pyles:
Meghan, I’d like to hear why cruises are good for group travel.
Meghan Coyle:
I mean the big plus is that everyone is staying in the same place and there’s lots of different activities for all age groups. So when I travel with my family, my grandma can do some of the bingo and the ballroom dancing.
Sean Pyles:
You’re not joining in on the bingo?
Meghan Coyle:
Yeah. Bingo is not my thing, but I can go to the water park, I can go have a drink with my friends out on the deck. There’s a lot of options for everyone.
Sean Pyles:
And I think that’s important when you’re traveling with a group, you should have some understanding that each person’s going to want to do slightly different things. You don’t need to be together all of the time. And with the amount of activities that are available on a cruise, your grandma can go and play bingo, you can go do something else, your dad could do another thing and it’s no big deal because you know you’ll meet up when the dinner bell rings because the boat tells you you have to eat at this certain time and that’s when you kind of have to regroup.
Meghan Coyle:
Exactly. And the other thing I wanted to point out is that food is usually included in the cost of the cruise. There might be some upgrades you can get for specialty restaurants on board, but for the most part food is included. And so that I think takes out the biggest stress of traveling with the group, which is feeding everyone and finding something that everyone agrees to and is in the right budget. When it’s all included that it just simplifies it so much.
Sean Pyles:
Not to mention splitting the bill is always a headache when you’re traveling with a group. So it takes that totally out of the equation, which is nice.
Okay. And then what about actually booking a cruise as a group? Do you all need to book at the exact same time? Are there certain accommodations that you need to make when you are a group? How should people approach the actual booking of a cruise when you are doing it as a group?
Meghan Coyle:
So you want to research the different types of staterooms that they have. Those are the cabins that you would book and there’s a lot of different configurations. You could get one with a balcony, sometimes there’s a two bedroom suite sort of situation. So before you book anything, really understand the different types of staterooms and how much each of those would cost. And you don’t have to book all together. You can often select the floor that you’re on in the boat. And I’ve found it’s nice to stay on the same floor or at least the same part of the boat as your family or friends or your group because it just makes it easier to get to each other if they’re right down the hallway. And you can also look for some deals that’ll make traveling as a group cheaper.
So for example, there are a few cruises that do a kid sale free package where you might be able to bring little ones for not no extra cost because you’ll probably have to pay for some of the add-ons, like the drinks or whatever. But that takes out a lot of the cost. And especially with staterooms, it’s not exactly like you’re buying a hotel room where you buy the hotel room and then split it with someone else outside of the payment system. On a cruise a second person is actually another cost. So it’s actually easier that everyone can see how much their space in the stateroom costs.
Sean Pyles:
So that’s another way where being on a cruise makes financing a trip a little bit easier because you have clear divisions of who is paying what to be in a room.
Meghan Coyle:
Exactly. And I would just warn people to look out for some of the rules about traveling as a group, especially where drink packages are involved. Most cruises come with a complimentary sort of basic drinks package, which is probably just water and soda and coffee and tea and then alcohol or even specialty coffee drinks like some Norwegian cruise lines have Starbucks locations right on the cruise ship, and those might not be part of the drinks package. And sometimes they can be very restrictive about how many people in your group need to have a certain drink package to be able to book or to be able to buy drinks for everyone.
Sean Pyles:
Oh, because they think that just one person’s going to have the Starbucks package and then get coffee for everyone else?
Meghan Coyle:
Yeah. So just be aware that you want to get a drink package that will include everyone and all of the beverages you’ll want.
Sean Pyles:
So read the terms and conditions of all of the expenses that go into a cruise. And is there one clear place where you can see that when you’re booking or is it like you get on the boat and suddenly you realize, oh, we’ve got to get this Starbucks package because X number of people in the group need to get this for the cruise to be happy with us?
Meghan Coyle:
You can do it before you get on the cruise when you’re booking online. That might require reading some of the fine print to make sure you got it exactly right. But if you do not have the drink package you need, you can always add it on when you’re on the boat as well.
Sean Pyles:
Well, as your experience tells us, cruises are really big among families. So what should parents know about bringing their little ones on a cruise? Or even you as you are an adult, but with your family traveling, what should people know about traveling on a cruise as a family?
Meghan Coyle:
The biggest perk of traveling on a cruise with a family is that parents can get free babysitting. It’s literally included in the price of the cruise. They have these things called kids clubs or teen clubs, so maybe not exactly babysitting, but these are places that are specifically reserved for kids of a certain age and they’re often divided into different age groups as well. Even smaller kids that have one kind of kids’ club and then middle grade kids have a different kids’ club, and here parents can literally drop their children off. And throughout the operation hours of the kids club, the kid can just stay there and participate in all sorts of activities. Just make sure you check the hours and also the age requirements. And sometimes these cruises even offer extra babysitting services outside of the normal operation hours. So if you want to have a date night or something like that, you might be able to get babysitting as an add-on to the kids’ clubs.
And then on top of that, other good things to look for on cruises if you’re going with a family is kid-friendly amenities. So cruises like Royal Caribbean and Disney are really well known for having kid-friendly activities like water slides, go-karts, ice rinks, all these things to keep kids and adults entertained. And if you’re booking for a group that includes kids, it’s nice to consider one of these cruise lines that has all of those fun things for them.
Sean Pyles:
Well, on the other end of the spectrum, cruises are super popular among seniors too. So are there any tips for this age group when it comes to making the most of a cruise?
Meghan Coyle:
This is one area where you want to be really cautious about making sure you book accessible accommodations, if someone needs that. Bigger cabin or maybe they want a scooter to ride around on the cruise ship. Actually you can even book a wheelchair rental or a scooter rental before you even get on the cruise from an outside third party company if you’d like and just pick it up before you get on board. I’d recommend working with the cruise because a lot of these cruise lines employ people to specifically handle these cases.
Sean Pyles:
When I think of cruises, I think that they’re essentially like a luxury condo building on the water and they have all sorts of wild amenities. Can you talk us through some of the amenities that people can expect on a cruise?
Meghan Coyle:
Amenities like gyms, pools, spas, those are all pretty standard and I would expect to see those on most ships. One of my hot tips is that you can save on going to the spa with a day pass. And if you go up and ask the people who work there, they might be able to give you some options that are not spa treatments, that might be a little cheaper so you can use the facilities, which is really nice. A lot of times they have entertainment. These can be anything from game shows to Broadway style shows to maybe more customer interaction type of stuff like karaoke. There’s all sorts of different types of shows. There’s even an ice show on the ship with an ice rink.
Sean Pyles:
An ice rink on a boat just seems like it’s breaking laws of nature, but I’ll go for it.
Meghan Coyle:
I know, right? Don’t count out that you can also bring your own entertainment. So my family often brings Mahjong, so we play that on the boat, but you can bring your own games, your own books and download your own TV shows because Wi-Fi is a whole nother thing on the cruise. But if you have things downloaded, you could watch that yourself as well.
Sean Pyles:
Okay. Say more about Wi-Fi because I need my internet connection no matter where I am. Is it not accessible often on boats?
Meghan Coyle:
Wi-Fi is similar to the drinks package where you often have to buy some type of package and often it’s for the entire length of the cruise. So there aren’t a lot of ways to get it at a deal. But if you do need the Wi-Fi, it can be worth it to pay for the entire package. Just know that it might not be super fast, especially when you’re out at sea. And of course when you dock and get off at the ports, you can always use Wi-Fi that you find locally or even set up some sort of international phone plan to have Wi-Fi access when you’re off the boat.
Sean Pyles:
All right. Well, Meghan, I want to talk about excursions because excursions or day trips away from the boat are a really big selling point on cruises and they can also make a cruise a lot more expensive depending on the excursion and how many you do. So can you talk us through what people should know about booking excursions, especially for groups?
Meghan Coyle:
Excursions are a pretty costly add-on to your cruise price. So that’s something to keep in mind, especially when you’re booking for a huge group. The simplest way to do it is book the excursions through the cruise line. They often have a desk on board where they can help you book these things or you can book them online before you go on the cruise. And these can range from anything like they’ll take you to different activities at the port, or it could be as simple as they’ll just simply offer you a ride into town. So if you’re doing this with a group, sometimes it’s simplest to just go through the cruise line, but you pay for that convenience.
The other option is you could set up your own excursions and that is often way cheaper. It just requires a little bit of research beforehand that might involve having to book some sort of transportation for your group to help you get to where you need to go. Or it might be as simple as literally walking into town. If your group can handle a 15-minute walk into town, that might be the cheapest option. And large groups might have even more options to customize the excursion to exactly what they want.
Sean Pyles:
One thing that I was a little bit surprised by when it comes to excursions on these cruises is how competitive they can be to book. I’m thinking of my family, which is going on a Disney cruise this spring, and we were talking about this over Christmas and they were looking at booking some excursions for their cruise and a lot of them had already filled up and they were three, four months out from the cruise itself. So I guess I was surprised by how popular they are, one, and two, how expensive they were to do and then also just how competitive it is to actually get in on one of these cruise specific excursions.
Meghan Coyle:
Yeah, you have to remember that everyone on this cruise is booking these same few options from the cruise line at any port you get off at. For example, the Disney cruise has a private island. I think they actually have two private islands. So depending on what cruise you go on, you might stop at one or the other, but it’s literally like the entire boat empties out and goes to this private island and that can cause some demand backups as well. So it is important to keep in mind that when you are booking excursions, you should do it as early as possible. And if you don’t get something, I would recommend to keep checking back even when you’re on the boat because people do cancel. They get on the ship and they’re overbooked or maybe part of their group bails out and spots can open up last minute.
Sean Pyles:
And also I would imagine that if you don’t get the excursion that you want when you dock somewhere and everyone else is offloading into this destination, it might be a good chance just to hang out on the cruise by yourself because on this boat and everyone else has already left. So a little bit of peace and quiet on this big boat as well.
Meghan Coyle:
Yeah, that’s actually one of my favorite things is to try not to leave with the crowd in the morning as soon as you dock and give yourself some time for the boat to empty out and you’ll get a little bit of a alone time and it might be easier to grab a taxi when you do get off.
Sean Pyles:
Well, Meghan, do you have any other tips who might be cruise curious with their group?
Meghan Coyle:
I would really encourage groups to look into it because it can be so fun to go on these group trips together and know that no matter what else you do during the day you will see each other at meals, you’ll see each other at night, you’re all staying in the same place. And it takes a lot of the headaches of planning a group trip out of it. So if your group has any interest at all in going on a cruise, I would recommend you look into it.
Sean Pyles:
Well, I’m still a little bit cruise skeptical, but maybe I’ll float this to my friend group next time we’re planning a vacation.
Meghan Coyle:
Let me know how it goes, Sean.
Sean Pyles:
Okay. Well, Meghan, it’s hard to believe, but our group travel journey is already coming to an end. We’ve soared the skies, crashed at group friendly lodging, planned trips that made everyone happy and even cruised across the high seas. All this travel talk is making me want to get a trip on the books with my favorite travel companions.
Meghan Coyle:
Same. I can’t wait. I’m a firm believer that traveling with someone is one of the best shared experiences. As long as you don’t hate your travel companions by the end of it, travel can really bring people closer together.
Sean Pyles:
Absolutely. Well, Meghan, thank you so much. It’s been really fun having you co-host this show and bring on some of our fellow Nerds to talk group travel.
Meghan Coyle:
Thank you, Sean.
For now, that’s all we have for this episode. Do you have a money question of your own? Turn to the Nerds and call or text us your questions at 901-730-6373. That’s 901-730-NERD. You can also email us at [email protected]. Also visit nerdwallet.com/podcast for more info on this episode. And remember to follow, rate and review us wherever you’re getting this podcast.
Sean Pyles:
This episode was produced by Tess Vigeland. I helped with editing. Kevin Berry helped with fact checking. Sara Brink mixed our audio. And a big thank you to NerdWallet’s editors for all their help.
Meghan Coyle:
And here’s our brief disclaimer. We are not financial or investment advisors. This nerdy info is provided for general educational and entertainment purposes and may not apply to your specific circumstances.
Sean Pyles:
And with that said, until next time, turn to the Nerds.
We tapped designers, furniture makers, and even Shea McGee for their expert knowledge on the hottest trends of 2024.
Have you ever looked around your living room and suddenly realized it was overwhelmingly outdated? You’re no expert, so whatexactly was out of style might have been hard to put your finger on — was it that lampshade with the tassels you found in your mom’s storage unit 10 years ago, or maybe the shag rug you bought when your 10-year-old was first born? — but you knew. While it might’ve just hit you, we don’t mean to alarm you but it’s possible your home decor has been out of style for a while. Just like fashion trends, interior design fads change rapidly.
Unlike fashion, however, interior design is more of a niche interest and its evolution isn’t exhibited as widely as it is for other style sectors, like apparel or accessories. Maybe it’s because what you wear is more often on display than what’s donning your walls. But if you have to look at it every day, you should like what you see. And if a room is looking dull to you, we’re here to help you bring it back to life.
Don’t worry, we’re not about to suggest you overhaul your house every season (or every year, or even few years, for that matter). Sure, something that’s “in” today can go out of style tomorrow, but swapping out a couch to stay current isn’t exactly practical for your budget or the environment. Thankfully, there are small tweaks you can make to ensure your space feels fresh, even if you keep the majority of your furnishings the same. Take it from Byron and Dexter Peart, twin brothers and co-founders of ethical home goods marketplace Goodee: “We generally don’t approach interior design in terms of aesthetic trends but are more of a mindset or philosophy that supersedes the physical style and appearance of spaces,” they tell Katie Couric Media. “We believe that when designed with purpose, interiors have the power to encourage experiences and enhance well-being.”
Sometimes, it’s about bucking the trends entirely. Rob Natale, chief of design at furniture brand Sixpenny (whose chic, ethically sourced couches you may have stalked on Instagram), says, “If a style speaks to you, go for it! Don’t worry if it is or was trendy.” He adds, “Go with your gut and fill your home with things that make you happy — except maybe bouclé, with all due respect to bouclé. It was really trendy there for a while.”
Abbey Stark, interior design lead at IKEA, prioritizes making a house feel like a true home and a reflection of the people who live there. “Let’s leave behind anything that doesn’t reflect your personal style. Homes should speak to your aesthetic and tell your story.”
If you want an update that will be on-trend, catch up on and shop the latest innovations below.
The Biggest Interior Design Trends of 2024
Color Play
“We’ve been living in a beautifully neutral world for the last several years, and while the minimalism of a soothing palette will always be a classic, I anticipate far more emphasis on colors, mixed patterns, and bold spaces,” says Natale, who at his own brand offers an array of gem-toned slipcovers to easily change up the look of your furniture as you see fit.
Considering that Stark hails from IKEA, she naturally leans into the Scandi design style, which is “focused on being joyful, expressive, colorful, and contemporary.” She suggests combining bright and muted tones to give the vintage style a refreshed appearance. “Think colored glass, warm wood tones, and muted color palettes with fresh, new pops of color.”
If you’re more of a decor extremist, you’ll appreciate Kelley Mason’s approach. The associate art director at Lulu and Georgia leans into what she dubs “color drenching,” where you decorate a room with a single color throughout “for tonal saturation.” In other words, say goodbye to boring, neutral spaces!
Indoor Meets Outdoor
“We’re excited to see a continued shift in blurring the lines between indoor and outdoor living,” Byron and Dexter Peart say. “Whether your home has a lush backyard garden, rooftop terrace, or balcony, outdoor furniture and furnishings like weather-resistant rugs, durable cushions made of recycled materials, and durable tableware with keen design sensibility create comfortable and inviting outdoor oases.”
They mention that plant-filled interiors aren’t going anywhere, either. “This not only brings the natural environment inside but also encourages healthy breathing and provides calming benefits as we tend to our indoor gardens.”
Natale agrees: “Bringing the outside in will always be in style, so selecting a color palette based on the nature around you is such a wonderful way to make a space come alive.”
Want to get this look on a budget? Mason has some great advice: “My favorite tip to update your space without spending any money is to go foraging for florals and greenery. In your own backyard, the neighbor’s house (with approval of course!), the local park, or beyond, a quick snip of a sculptural branch or bouquet of wildflowers will give dramatic impact to any space and it’s totally free.”
Threshold designed with Studio McGee Outdoor Umbrella
$90 at Target
Functional Beauty
It should be no surprise, but a home should look and feel livedin — it shouldn’t have the sterility of a museum. “We’re all getting more accustomed to the idea of home serving multiple purposes,” Natale says. “Many of us still work from home for at least a few days each week. Investing in products that can subtly transform a room and turn it into a multi-functional space is such a fantastic way to get more use out of it.”
If you have kids or grandkids (like Katie!), you may understand that loose toys and games can quickly swallow a space, so children and their things are often relegated to a certain area to try and contain the chaos. However, that practice is definitely changing. “We’re excited to see more of an emergence of intergenerational living spaces that welcome and encourage grown-ups and the little ones to work, rest, and play together in common areas,” the Pearts say.
As we know, a lot of people are choosing not to have children these days — but this trend doesn’t only apply to humans. “Notably, this communal orientation is also becoming more evident with our four-legged family members: Pet furniture like beds, floor mattresses, blankets, and toys are now being made with eco-conscious materials, design sensibility, and artful aesthetics, a welcome integration into thoughtful households,” they note.
You can also interpret this trend as incorporating washable furniture and rugs, dual-purpose designs, or artfully displaying essential kitchenware. Heck, even storage bins for kids’ toys have become more stylish.
Tennis Prep
You’ve most likely heard of both “quiet luxury” and “tenniscore” in terms of fashion, but have you thought about incorporating some of these trends’ key principles into your interior design? Shea McGee, the interior designer behind McGee & Co. says, “TikTok calls this tenniscore, and though it’s mainly a fashion trend, we’re incorporating the racquet club aesthetic into our interior styling.” Don’t worry, that doesn’t mean decorating your living room with sports goods.
McGee explains, “In the closet, you’ll find this trend in cable-knit sweaters, loafers, pleated skirts, and tube socks. In interiors, you’ll find it in crisp whites, creams, playful greens, cabana stripes, rattan, chambray, and pristine lawns.”
Mason is also a fan but notes you can embrace it subtly by “taking traditional preppy details and combining them with modern details, luxe materials, and moody tones.” She adds, “I love this look with patterned upholstery, vintage oil paintings, and touches of metal and leather.”
Threshold designed with Studio McGee Rialto Woven Chair
$280 at Target
Independent and Local Designers
The boom of direct-to-consumer furniture, bedding, and just about anything else you can think of has certainly made it easier to shop online, but the experience and designs can lack intimacy and individuality. Lots of designers are stepping away from products that can easily be bought en masse from big box stores, opting instead to shop vintage or go to local artisans for products they need.
“As social media continues to accelerate and amplify seemingly endless and short-lived interior design trends, what we’re most excited to see is an emergence of interest in and discovery of local and global artisan-made crafts,” the Pearts say. “We love home goods that embody the stories, spirit, and traditions of the makers that create them.”
This trend can take form in how you approach sustainability: “It’s easy to prioritize the performance fabrics [that big box stores tend to offer], especially in homes with pets and kids, but as we all continue to make more conscious decisions about the materials we live with, the more attractive all-natural, non-chemically-coated fabrics become,” Natale explains. And those can be harder to find online.
Hand-woven baskets, hand-quilted blankets, hand-carved wooden trays, hand-painted ceramic bowls, and handblown glassware resonate with those looking for a deep, meaningful human connection between their belongings and those who make them. Take it from the Pearts: “So often, high-trending interiors have a sameness and repetitive nature; a living space well adorned with artful crafts has a unique ability to add color, texture, whimsy and personality to one’s home.”
For McGee, she’s seeing an emphasis on crafts originating from Italy, probably thanks in part to Tomato Girl Summer and White Lotus season 2. “Italian-inspired design is back in a big way, in ways that are both nostalgic and contemporary. You’ll be seeing this a lot in elements like Murano glass, ironwork, plaster, ceiling medallions, marble, and busts or sculptures,” she says.
Time to spring clean those closets, attics, and storage sheds. Out with the old, in with the new and upgraded. Whether you’re in the market for new bras, boots, power tools, or a wildflower mix to plant in the garden, there’s a hot store on this list to hit before month’s end. Here are 10 new and buzzy places to shop around Fort Worth right now.
Lucchese x Parker McCollum Texas native Parker McCollum is the young hot thing in country music right now. This week alone, he was named headliner of the ACM Awards’ big benefit show in DFW this May; then George Strait picked him to play on the King’s only Texas show this year. Now comes a collaboration with Texas bootmaker Lucchese. The Lucchese x Parker McCollum Collection, launching on March 22, “features four boots that are designed by Parker himself and celebrates the two Texas icons’ appreciation for high performance, inspired style, and dedication to staying true to oneself,” says a release. Designs include “The Evening Patriot,” “Hollywood Gold,” “Silhouette,” and “Ruger.” Read more about each one here, and find them in all Lucchese stores, including in the Fort Worth Stockyards and Willow Park.
Chieffalo Americana pop-up at Bowie HouseThe new Cultural District hotel has debuted a pop-up boutique featuring a well-edited selection of Chieffalo Americana’s vintage luxury Western, new Americana, and contemporary emerging brands. There are cowboy hats, buckles, boots, scarves, artwork, and all things Western from the savvy husband-and-wife team of Rodger and Jackie Chieffalo. The pop-up is open 12 pm-8 pm daily through May 31 on the first floor of Bowie House, Auberge Resorts Collection, 5700 Camp Bowie Blvd., Fort Worth.
Wildflower IntimatesThe first and only inclusive bra fitting and lingerie boutique in Fort Worth has opened in the Near Southside, just in time for spring and summer’s skimpy clothes. The boutique carries more than 200 bra sizes in various styles – demi, plunge, unlined, strapless, sports, nursing, and more – along with undies, hosiery, bodysuits, bridal lingerie, and accessories. Their specialty, undoubtedly, is bra fitting: They accept walk-ins only and conducted fittings on a first-come-first-served basis. The shop is open 11 am-5 pm Sunday, 11 am-7 pm Monday and Thursday-Saturday; closed Tuesday-Wednesday. 607 W. Magnolia Ave., Fort Worth.
HomesenseThe discount home goods sibling to HomeGoods, TJ Maxx, and Marshall’s has opened its first Texas store at Fort Worth’s Alliance Town Center. Shoppers will find a rug emporium, wall art and mirror gallery, an extensive lighting department including chandeliers, patio furniture and decor, seasonal decor, entertaining essentials, food items, and more. Prices are touted as 20-50 percent less than full-price retailers. Find it next to Total Wine and More, at 3121 Texas Sage Tr., Fort Worth. Read more about it in this story.
Harbor FreightResidents of far north Fort Worth-Keller-Watauga had been watching and wondering for months when this giant new store would open, and it finally did, rather quietly. DIY-ers and connoisseurs of aggro power tools will find top brands on everything from pressure washers and portable vacuums to saws and sanders. Track Club memberships offer discounts and more perks. Open 8 am-8 pm Monday-Saturday and 9 am-6 pm Sunday at 8420 Parkwood Hill Blvd., off North Tarrant Parkway, Fort Worth.
Magnolia Skate ShopAfter a weeks-long closure to repair extensive damage from two big water leaks, the Near Southside skate shop has finally reopened, they announced on Facebook. They are fully restocked with skateboards and parts, kids’ and adults’ shoes, apparel, hats, accessories, and more. Open 12-7 pm Monday-Saturday and 11 am-4 pm Sunday at 1455 W Magnolia Ave., #105, Fort Worth.
·Marshall Grain Co. The favorite organic garden, landscape, and pet supplies purveyor has opened a new home base in Colleyville. Besides operating as company headquarters and home to the landscaping division, the new location includes a retail store with showroom, greenhouse, nursery, warehouse, and more. As always, dogs on leashes are welcome. Shop the store at 5311 Colleyville Blvd., Colleyville; 9 am-6 pm Monday-Saturday and 10 am-5 pm Sunday.
Squeeze MassageThe innovative massage concept created by the founders of Drybar has made its Dallas-Fort Worth debut in the Foundry District, taking over the old Meyer & Sage culinary store space. As an “app-based” massage studio, clients can book and pay for services, set personalized preferences, tip, rate, and review with the tap of a phone screen. Owned by entrepreneur Siera Holleman, the Fort Worth location is 3,000 square feet with a bright, modern design, and eight private treatment rooms. Massages are $129 for 50 minutes or $159 for 80 minutes, and memberships are offered for $95 or $125 per month. To celebrate the Fort Worth debut, they’re offering anyone who signs up for a monthly membership within 60 days of the grand opening $15 off the regular monthly membership fee. Open 8 am-10 pm daily at 2621 Whitmore St., Fort Worth
Spring Fun Fest at Tanger Outlets Fort WorthWith one week left to buy Easter dresses, bowties, and bonnets, Tanger Outlets Fort Worth is hosting a special spring festival that includes discounts. Spring Fun Fest will take place 12-3 pm Saturday, March 23, featuring free family activities, Easter bunny photos, live entertainment, face painting, an inflatable bounce house, games, a scavenger hunt, and food trucks. Shoppers also will receive 15-25 percent off at participating retailers. The shopping center is at 15853 N. Freeway, Suite 990, Fort Worth.
.Southlake Town SquareSouthlake’s premier shopping and dining destination opened in March of 1999, and a 25th anniversary celebration is underway. To “party like it’s 1999,” they are giving away two $250 Southlake Town Square gift cards to use at any of their stores, restaurants, or venues. Enter to win here by 11:59 pm on March 31. Winners will be selected at random and notified via email on April 1. More official rules here.
Moving into an apartment with roommates is never a simple task. For starters, space is almost always hard to come by. Then comes the difficult task of keeping that limited space organized. It’s easy for an apartment to devolve into a cluttered mess if you aren’t intentional about keeping it in order.
To prevent this, here are some tips for how to keep your apartment organized while living with roommates. Whether you‘re renting a house in Houston or moving into an apartment in Seattle, these tips from ApartmentGuide and experts will help you and your roommates coexist and stay organized.
1. Utilize versatile furniture
“Don’t underestimate the power of furniture that does double duty,” says Melanie Summers, owner of I Speak Organized. “A coffee table that doubles as a storage ottoman is a game-changer for keeping board games or cozy throws out of sight but close at hand.
Or how about a bookshelf that transforms into a desk? It’s perfect for those days when you need to switch from relaxation mode to work mode in a snap. These clever pieces of furniture are not only practical for saving space but they also add a fun and creative touch to your apartment, making staying organized feel like a breeze.”
2. Organize shared expenses
Manage shared expenses such as rent, utilities, and groceries efficiently to avoid conflicts and financial strain. Consider using apps or platforms designed for splitting bills to track expenses and ensure that everyone pays their fair share on time.
3. Create a shared calendar
Keep track of everyone’s schedules by creating a shared calendar. Whether it’s a physical wall calendar or a digital one accessible to all roommates, noting important dates, events, and responsibilities ensures that everyone stays informed and can plan accordingly.
4. Divide chores fairly
Establish a system for dividing household chores that feels equitable to everyone. Whether you rotate tasks weekly, assign specific duties based on individual preferences or abilities, or use a chore chart, clear expectations help prevent resentment and ensure that responsibilities are evenly divided.
5. Designate personal spaces
While shared living spaces foster camaraderie, it’s essential to respect each other’s need for privacy and personal space. Designate specific areas or shelves for each roommate to store their personal belongings, minimizing clutter and confusion.
“I am a huge believer in cubby systems,” says Beth Blacker, founder of It’s Just Stuff, a Boulder, CO-based home organizer. “They are great for anyone whether living with others or not. But in houseshare situations, I think they are definitely the key to keeping certain things contained and hidden but still readily available for each housemate. Many of the bins that fit into the cubbies have slots to insert a label to identify the owner and what is actually in the bin.”
6. Implement a cleaning schedule
Maintain a clean and tidy living environment by implementing a regular cleaning schedule. Determine how often common areas such as the kitchen, living room, and bathroom should be cleaned, and establish guidelines for keeping them tidy. Rotating cleaning duties among roommates ensures that no one person does all the work.
7. Set boundaries and respect each other’s space
Set clear boundaries regarding noise levels, guests, and personal items. Respect each other’s need for quiet time, privacy, and personal possessions to create a harmonious living environment where everyone feels comfortable and valued.
8. Establish clear communication channels
Communication is the cornerstone of any successful roommate arrangement. Set up regular meetings or establish a group chat where everyone can discuss important issues, such as chores, bills, and house rules. Open and honest communication helps prevent misunderstandings and creates a sense of accountability among roommates.
“To stay organized with a roommate, schedule a regular time to communicate about household issues,” advises Dara Zycherman, owner of Less Equals More. “Address problems before they begin and clarify roles and responsibilities, like who cleans what and who takes out the trash.”
9. Utilize vertical space
Maximize your apartment’s storage potential by utilizing vertical space. Install shelves, hooks, or hanging organizers on walls to store items like coats, bags, and kitchen utensils. This not only frees up floor space but also keeps commonly used items easily accessible.
10. Utilize storage solutions
Maximize space and cut down on clutter with smart storage solutions. Invest in storage bins, shelves, and organizers to keep shared spaces neat and organized. Encourage roommates to label their belongings and maintain a clutter-free environment for peace of mind.
11. Create a cleaning schedule
Develop a rotating cleaning schedule that assigns specific tasks to each roommate on a weekly or monthly basis. This ensures that cleaning duties are evenly distributed and helps prevent conflicts over who’s responsible for what. Be flexible and willing to adjust the schedule as needed.
Living with roommates can be a rewarding experience when approached with patience, respect, and organization. By implementing these 11 tips, you can create a harmonious living environment where everyone feels valued, respected, and organized. Effective communication, clear expectations, and mutual respect are the keys to successful cohabitation with roommates.
In the current regime of bond market movement, traders have been running from one side of the field to the other in an attempt to get in on the action surrounding inflation data and labor market data. There hasn’t been much in between apart from Fed communications that tend to reinforce or refine an interpretation of the data. This week’s Fed reinforced the most recent ceiling in yields/rates and we’re not terribly likely to challenge the recent floor without another round of big-ticket data. For that, we’re waiting at least until next Friday (PCE), and considering bonds are closed next Friday, the focus is probably better-placed on the following week’s NFP.
The day is off to a decent start with yields down more than 5bps, but again, consider that in the context of the chart above. 3 out of the past 3 days have seen the same trading range and the same pace of “lower lows.”
Amy Yzaguirre and her husband bought a home in Oregon with a 2.5% interest rate in 2023.
The lower mortgage rate, attained via an assumable mortgage, saves them $40,000 over 28 years.
Yzaguirre and her husbandhave used their savings to pay off medical debt and purchase a new car.
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This as-told-to essay is based on a conversation with Amy Yzaguirre, 40, a student and barista. She and her husband purchased a home with an assumable mortgage in Tigard, Oregon, in March 2023. An assumable mortgage allows qualifying buyers to acquire the interest rate, current principal balance, and other conditions of a seller’s existing loan. Not all loans can be assumed. The essay has been edited for length and clarity.
I grew up in the Portland, Oregon, area but moved to Boise, Idaho, in 2017. In 2022, my husband and I decided to move back to Oregon.
My husband had applied for some jobs in Portland and got a position, but we had just refinanced our Boise home. Since we had signed a no-flip clause, we couldn’t sell it until April 2022.
We planned that he would move to Portland and live with a friend while our son and I stayed back and got the house ready to be sold in April. Then, we would join him and buy a house.
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But in January 2022, I was diagnosed with stage 4 non-Hodgkin’s lymphoma. I didn’t want to undergo half of my chemo treatment in Boise and the other half in Portland, so we had to figure out a way to be together as a family while I underwent chemotherapy.
We had to keep the house until April, but we couldn’t afford to pay two mortgages or pay rent and a mortgage. A family friend gave us the idea to buy an RV and live on my parents’ land in Oregon. We lived there for eight months. It was pretty rough, but we made it work.
In March of 2022, we started looking at houses through our real-estate agent. I was in the middle of chemo, but on the days that I would feel good, we would meet up with brokers.
One suggested, “To get the type of mortgage loan that you want, you need to wait until you’re back to work.” So, we decided to pause our home search until then. While waiting, we got our credit in a good spot. When August came around and I got a job, we started seriously looking at houses.
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Finding an affordable home to buy was difficult
We wanted to live in the suburb that my parents lived in, called Tigard, but the area was too expensive for us, and the real-estate market was fairly competitive.
It’s funny how an area can be a nice, family-friendly, affordable place to live, and then all of a sudden, it becomes overpopulated and it’s not nearly as reasonable as it used to be.
We eventually decided to look in the Sherwood area instead. At this point, I had beaten cancer and was in remission. My husband and I were excited that we could take the next step and buy a new house.
We qualified for a substantial loan through our mortgage company, but we didn’t want our monthly payments to be too high. We set our budget for a home at no more than $450,000 — but even that was a bit of a stretch.
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As we looked, we really couldn’t find many homes that checked all the boxes for that amount.
But in September 2022, we found a townhouse that was on the market for $416,000. On a flyer for the home, its seller had written that if we wanted to assume her loan, she was locked in at 2.5%.
That didn’t necessarily draw us in because we didn’t quite know what that meant.
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I was more interested in the fact that it was a 1,500-square-foot townhouse that had everything we wanted, like a backyard, a big garage, and an open floor plan with hardwood floors.
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At the time, I believe mortgage rates were close to 6%. If we had a traditional mortgage, our monthly payment would have been about $3,000 a month. I remember being like, “OK, that’s pretty high, but I think we can make it work. We’re just going to have to be really careful.”
An assumable mortgage was too irresistible to pass up
We told our real-estate agent about the home and asked her what an assumable mortgage was. She said, “You’ll have to talk to our mortgage broker. I don’t really have any experience with that and don’t know what it entails.”
I asked the mortgage broker, and he admitted, “Well, we haven’t dealt with this in probably about 30 years, so I’m not entirely familiar with the process. But essentially, when you assume a loan, you’re taking over the seller’s mortgage. If you qualify, you can adopt their locked-in rate, and you don’t have to pay current mortgage rates.”
He warned us that the seller’s mortgage company was not going to hold our hand through the process. But if we were willing to put in a rigorous amount of work and do a lot of bugging, we should definitely try it because it would save us a lot of money.
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I did the math. The seller was locked in at 2.5%, so if we qualified to assume the loan, our mortgage would be a little over $2,100 a month versus the over $3,000 we would be paying with a traditional mortgage at current market rates. It would save us over $40,000 in the long run. That would give us wiggle room and allow us to continue our lifestyle instead of having to scale back.
It sounded amazing, so my husband and I decided to pursue the loan assumption.
It’s not easy assuming a loan — and it took forever
In March 2023, we purchased our home for $418,900 and made a down payment of $48,000. The home had a 30-year fixed-rate mortgage, with 28 years left on a $383,000 Federal Housing Administration loan.
We worked with Flagstar to assume the mortgage, and they assigned us an advocate. He was really nice and helped us through the process.
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In the end, we ended up submitting over 200 documents, and the process took three full months.
At a certain point, my husband was over it and just wanted to go with a normal mortgage. I had to assure him I could take care of it and that it would all be worth it — we just had to be patient.
The mortgage broker we originally spoke to was right — as the company processing the assumable mortgage isn’t making any money, you really have to advocate for yourself, jump in there, and ask questions.
I tell anybody who has asked me about assuming loans that it’s going to take a long time and it will be grueling. The process will humble you in some ways, too, because you start doubting yourself, like, “Am I a horrible financial person? Why did they need so much information? Am I not doing this right? Is there something that I’ve done wrong?”
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But once you get through the process, you should be able to get it.
It just takes time.
The hard work getting the assumable mortgage was worth it
After living in a tiny 21-foot RV, buying a home gave us freedom and a new beginning. It also helped me not feel boxed in anymore.
Even though I was fortunate to have good insurance during chemotherapy — once I hit a certain deductible, insurance covered the rest — and have excellent insurance through my current job, I still had quite a few medical bills to pay off.
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With the extra money we have saved on our mortgage payment, I’ve been able to pay them down.
We also used the extra money to pay off other debt and purchase a Toyota Tacoma with cash — we don’t have a car payment at all.
We’re not living grand or extravagantly, but at least we’re not having to eat ramen every night. Knowing that we worked so hard for this lifestyle and achieved it ourselves, I feel like we’re truly living life to the fullest.
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Money luck superstition is something that has been around for over 3,000 years.
Left Hand Itching has been a superstition since the dawn of time and there are a lot of people who still believe in it. Some say that if someone has a left hand itchy they are likely to receive money. Others say that the more itchy one’s left hand is, the faster they will receive money.
You may believe the meaning of life is found in one simple saying like left hand itching.
It sounds like a fortune cookie, but this quote has been around for centuries and also holds some weight when it comes to true wisdom about finances. However, there are many other sayings people use for their good luck charms such as “Toes on Head,” “Praying Hands,” “Rubbing Stone,” and “Clenched Fist.”
Let’s explore some of the most common superstitions surrounding money and take a look at whether these beliefs are plausible or not.
Seriously, what does it mean when your left hand itches?
We will cover the origins of money luck and left hand itching.
More importantly, what it means for you today.
What does it mean when your left hand itches?
It is normal to have an itchy left hand. More than likely, it is caused by many things such as dermatitis, eczema, psoriasis, and seborrhea (dry, scaly skin).
However, there are money superstitions with your left hand that we need to investigate.
What exactly is the left hand itching meaning?
Left Hand Itching is means you are expecting to come into money soon.
Believed to be an omen of good luck for money and prosperity, but it can also mean the opposite depending on how you look at it.
The itching could be anything: winning the lottery, getting an unexpected raise at work, or even just finding a quarter on the ground.
All possibilities are endless and no one can really tell what will make your left hand itch until it happens for them!
Signs of Left Hand Itching
Left hand itches are a sign of money luck superstition and the origin is unknown.
Some believe that this is because the left hand represents one’s heart and when your body senses an issue, you scratch yourself with your dominant hand which then symbolically cleanses and clears the area. There are also those who say that scratching on the left side helps to balance out yin-yang energy in order to create good fortune for oneself or others.
Therefore, if someone has been having bad luck recently they should scratch their right hand to rebalance the yin-yang energy.
This is a good example of how people often put extra meaning into random occurrences, so if you’re feeling lucky this weekend and left hand itches start appearing on your body, don’t worry about it!
Left Hand Itching Lottery
Left hand itching is considered a positive sign for lottery winnings.
Itching the left hand means luck will come to you, and it could be an indication that your luck has changed.
Winning the lottery is however very unlikely with the odds of 1-in-292 million. More than likely, you will be struck by lightning or die from a bee sting (source).
If you ever have a chance to buy the lottery, it’s good luck if you’re itching your left hand.
It is said that some of the numbers associated with scratching your left hand will appear to you.
For Mary Shammas, her lucky numbers were the birthdays of her five family members and she ended up winning a $64 million jackpot. Check out this left hand itching lottery post.
Your lottery number for left hand itching is yet to be determined for that winning jackpot.
This is a left hand lottery where you scratch your left palm with the date and then follow it up with a rubbing of your right hand. The numbers are picked at random from 1-100, but there’s no saying what number will appear on those palms.
There is many superstitions behind this tradition, but anything is possible with itchy left palms.
Superstitions for Left Hand Itching
There are many superstitions for left hand itching. Remember, left hand itching is a superstition that has been passed down through generations.
Here are some left hand itching superstitions to look for:
The superstition believes if your left palm itches, then you’ll have a lot of money luck coming in soon.
Left hand itches when you’re about to get or win money. If your left palm is itching, then lookout for a good opportunity that will arise soon.
Left hand is the dominant hand for people that itch their palms, and left-handed people are more likely to be money handlers.
The left hand is more sensitive than other parts of your body, so if you have itchy palms, then know that good luck will come your way soon.
Left hand itching on afemale means a positive sign that will bring even more fortune and money.
Left handing itching on a male means you are going to attract money to you.
However, don’t spend all your money on lottery tickets because this isn’t going to bring you any luck!
Left Hand Itching Spiritual Meaning
Left hand itching spiritual meaning is when one’s left hand, sometimes the palm of the hand, starts to itch and tingle.
It is common for people to itch their left hands when they are troubled by something or experiencing some sort of life transition like moving, going on vacation, starting college, or getting married.
Left hand itching may be a spiritual connection and it can also have other meanings.
This type of body language is an indication that the person needs help and guidance in order to figure out what direction he wants his life to go next.
Left Hand Itch & Being Left Handed
Almost every culture associates left-handedness with bad luck or misfortune.
One of the most popular cultural beliefs states that right-handed people are lucky while left-handed people have bad luck.
In some cases, people believe that if someone holds their left hand outstretched they will receive negative energy from others around them causing illness, sadness, or even death.
In other cultures, some believe that left handed individuals are unlucky and should never undertake any activity with their hands as they might get cut off or fall sick due to this condition.
Top Money Superstitions
Money superstitions are beliefs and practices that people have about money. Some of these can be harmless, while others may cause harm to the person who follows them.
It has been said that superstitions are most popular for all, with specific beliefs such as good luck. Belief in superstitions decreases with age.
Money is one of the most commonly used symbols to represent good fortune and wealth.
The belief is that money can make you lucky or unlucky depending on how a variety of factors. Let’s discuss some of the most common money superstitions.
Spiders & Money
It is a simple, common superstition that if you have a spider crawl into your pocket or purse it means “money luck” is coming soon.
Would you consider money and spiders in the same sentence? But, there are two types of superstitions with spiders and money.
If you observe a spider spinning a web, then your income with increase due to your hard work.
When a spider crawls into your pocket, that means you will always have money.
The idea of catching spiders in order to avoid bad luck is not very scientific.
Whistling
Did you just whistle money away?
Many people have superstitions about money, but this Russian superstition is one of the more interesting ones. Russians don’t whistle in a roof because they might lose their money if it goes up into the air and returns to them.
In addition, they do not whistle inside in fear of putting themselves in poverty.
Ring in the new year with cash in your hand
The New Year is approaching, and you might be wondering what to do with that cash in your hand.
The old wive’s tale claims that you need to have cash in your hand before midnight on December 31 if you want to be prosperous for the coming year.
On New Year’s Eve, put all of your cash in one pocket and don’t set it down anywhere until after midnight.
Another superstition says putting your purse or wallet on the floor can make you lose money.
Heads Up Penny
What does it mean to pick up a penny if it is heads up?
Most people would say that if a penny is heads up, it means it has been picked up.
Since a heads up side of a penny brings good luck, the tail side brings bad luck.
We have all heard the saying, “heads up for luck and tails for bad luck.” This superstition drives that saying.
So, when you find a penny with the “good” side up, will you pick it up? What about if the “bad” side is up, will you leave it be?
Or do you prefer the penny saving challenge?
Purse on the Floor
A common superstition about money is that putting your purse on the floor will cause you to lose money. This superstition probably originated from an old wives’ tale.
Sweeping the House
A common superstition is to NEVER sweep your house before or after 6:00 p.m.
If you sweep at night, it means that you are sweeping away any good fortune and money that may have come into the home during the day.
Friday the 13th
Another superstition is some people will put a dollar bill under their pillow to make sure they have enough money for the day ahead or will not walk around on Friday 13th because it’s considered bad luck.
Bird Droppings
If a bird poops on you or your car – it will bring your financial luck.
In fact, bird droppings bring great wealth. That is what has been said before.
Good Luck Charms
Many people believe in good luck charms, so they carry one around in their pocket, wallet, or shoe.
Many times someone’s lucky charm has a significant meaning to them. One that may or not be spiritual in nature.
One thing is for sure… they carry it everywhere they go.
Money Attracts Money
Money attracts money is a saying which means that the more you have, the more likely you are to attract people who also want to be wealthy.
This is because when someone starts making more money, they usually want to be in a place where other wealthy people are, which is why many wealthy individuals live in expensive neighborhoods.
It takes money to make money.
As frustrating as that concept is, there is some truth to the statement. You cannot always have a negative bank balance and have the mindset that things you quickly change.
If you see positive growth, you are going to focus on continuing the money growth.
It all comes down to your motivation – in fact, use one of these millionaire quotes to help you reach success.
Medical Truth for Left hand itching
This is an unusual symptom that your body may be experiencing. It could signal something serious like an allergic reaction or a parasitic infection.
It is natural to scratch your hands.
When the itchiness becomes too much, you can use your other hand to help relieve the pressure. If the itchiness is in your fingers, try using a piece of cloth to cover them. If the itchiness is in your palm or wrist, then you can use some ice cubes wrapped up in a thin cloth.
Also, refer to a doctor for a specific cause of your left hand itching. The more common medical causes can be many things such as dermatitis, eczema, psoriasis, and seborrhea (dry, scaly skin).
Does your Left Hand Itch?
Despite the fact 63% of Americans believe in superstitions, most people do not realize how much money is involved with their rituals.
Left hand itching is one of the most common money superstitions.
Left hand itching is a superstition that has been around for centuries and continues to be passed down from generation to generation.
There are many superstitions for top of left hand itching, but none have been proven scientifically. It is important to remember that left-handedness has no correlation with your luck or money status in life!
Left hand itching is a highly-common superstition that has been around since ancient times.
It means luck and money are coming your way because the left hand symbolizes wealth in many different cultures, though it’s not always true.
If you are experiencing an itch on your left palm, then there may be some truth behind this old saying.
Or does are you experiencing right hand itching?
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The Summit Club is undoubtedly the epicenter of luxury living in Las Vegas.
Located just 15 minutes from the Strip, this exclusive neighborhood and golf community is spread across more than 600 acres of stunning desert landscape and features a Tom Fazio-designed golf course, unique wellness and recreation programs, and 260 luxurious residences.
Celine Dion sold a house here for $30 million last year, setting a new local real estate record and making a killer profit in the process.
The singer reportedly paid $9.2 million for her then-freshly-built Las Vegas manse back in 2017, heavily renovated the place in the years since, then tripled her initial investment by selling it in an off-market transaction for $30 million.
Actor Mark Wahlberg bought himself a $14.5 million bungalow in The Summit Club (which he has since sold) while waiting for his mansion to be built on a separate 2.5-acre lot in the same community, which he purchased for $15.6 million.
Now, a recently built property that landed on the market in mid-2023 just scored a nearly $20 million sale — and it’s as impressive as you’d expect.
The modern, minimalist abode at 11051 Witchcraft Court was designed and built by renowned luxury homebuilder, Blue Heron, and is nestled on a premium corner homesite with unparalleled views of the golf course, mountains, and the world-famous Las Vegas Strip.
“This architectural gem spans an impressive 9,827 square feet which includes the attached five-bedroom casita with private entrance,” said Lillie Shines of Coldwell Banker Premier Realty Global Luxury with whom the property was exclusively listed.
“We are ecstatic to confirm the sale of this remarkable property, which has truly set a new standard for luxury living in Las Vegas,” Shines adds.
“This sale marks a significant milestone in 2024, showcasing the enduring allure of premium properties within golf and lifestyle communities like The Summit Club.“
Originally listed at $23.5 million, the 2022-built luxury residence offers 9 bedrooms and 9 baths, and is lined with expansive pocket sliders to create an indoor-outdoor living experience.
“The sophisticated, single-story design of the main house features retractable glass walls which open to create a seamless indoor/outdoor living experience that beautifully incorporates the home’s captivating exteriors and natural surroundings,” Shines added.
The gourmet chef’s kitchen, equipped with top-of-line appliances, an oversized quartz island with waterfall edges, and custom white cabinetry, is the hub of the home and makes it easy to access all the other areas, including the flex room, secondary bedrooms, pool area, elevator to the deck, gym, or even the attached casita.
“The temperature-controlled wine wall is a centerpiece of the designer kitchen promising to elevate every celebration to new heights,” said Shines. “There’s also an elevator to easily serve your guests on the rooftop deck.”
The primary bedroom features a private sitting area with direct access to its own spa. The primary bathroom too comes with a luxury spa vibe, boasting an “outdoor oasis with dual showers”, per the listing.
Not to be outdone, the casita on the property stands as a private two-story retreat, complete with 5 bedrooms, 4 bathrooms, and a separate 2-car garage.
The first floor of the casita features a gathering room with a kitchen and a primary suite, while the second floor offers 4 bedrooms and 2 bathrooms.
Originally intended to be a multi-generational space, there are endless possibilities on how to maximize this unique area.
Heading outside, we find a resort-style backyard with not one, but TWO zero-edge pools, and plenty of outdoor amenities that add to its appeal. This includes a spa, an outdoor kitchen equipped with a pizza oven, and a bar.
And just in case the future owners need even more space for entertaining, they can take the party to the roof, where a stylish rooftop deck with a bar offers jaw-dropping views of the Las Vegas strip and city lights.
Listing agent Lillie Shines has witnessed the complete transformation of this property as she has been working with the home’s sellers since 2019 when they first selected this parcel of land at The Summit Club.
From its inception, Shines was integral in both the transaction and coordinating the design of the custom build as her sellers had to communicate with her from overseas while international travel was halted during the pandemic.
And we’re happy to see that her efforts were rewarded with a successful sale closed at the beginning of March. The final sale price was $19.7 million.
“The sale of 11051 Witchcraft Court underscores the timeless appeal of luxury properties that offer both opulence and functionality,” remarked Bob Hamrick, Chairman and CEO of Coldwell Banker Premier Realty.
“We are proud to have facilitated the transaction of such an extraordinary property, setting a new benchmark for excellence in Las Vegas real estate.”
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Mortgage rates are expected to go down sometime in 2024, but the decline probably won’t start in March. Instead, mortgage rates are likely to remain about the same because the economy hasn’t cooled off enough yet to cause them to fall.
When the economy grows robustly, and plenty of jobs are created, prices tend to go up. And when those three factors coexist, they combine to push interest rates higher. That’s what happened in February, and it’s unlikely that we’ll see a reversal of those trends in March.
A strong February leads into March
Rates went up in February, with the average rate on the 30-year mortgage at 6.78% in Freddie Mac’s weekly survey, up from 6.64% in January.
The culprit was a collection of strong economic data, released in February, that showed that the economy was running hot in late 2023 and into January. The overall economy grew at a 3.2% annual rate in the final three months of 2023. In January, the economy created a net 353,000 jobs and the core consumer price index accelerated. These signs of stronger-than-expected economic growth caused mortgage rates to rise in February.
Mortgage rates are unlikely to fall until there are unmistakable signs, for a few months in a row, that the economy is slowing down. We almost certainly won’t see those signs in March, despite two years’ toil by the Federal Reserve.
Eyes on the Fed
In an effort to slow the economy and get inflation under control, the Federal Reserve raised the overnight federal funds rate by 5.25 percentage points from March 2022 to July 2023. Inflation declined, as intended. The core CPI fell from 6.6% in September 2022 to 3.9% in January.
But inflation hasn’t fallen enough. The Fed’s goal is to reduce inflation to a 2% annual rate. The central bank will keep a floor under interest rates until inflation is unambiguously on the way to that 2% target. The Fed isn’t eager to cut the federal funds rate anytime soon.
This commitment was underscored by the title of a speech given Feb. 22 by Fed governor Christopher J. Waller: “What’s the Rush?”
Waller, who is a member of the Fed’s rate-setting Open Market Committee, said in his speech that the central bank must wait to verify that inflation is genuinely cooling off, “and this means there is no rush to begin cutting interest rates to normalize monetary policy.”
Usually Fed policymakers speak enigmatically, but sometimes they make themselves perfectly clear. That’s what Waller did with that speech. He sent an unmistakable signal that the Fed wouldn’t cut the federal funds rate at its March 20 meeting. With a rate cut off the table, there’s not much room for mortgage rates to fall in March.
Waller did say that he expects the Fed to cut short-term rates this year, but added, “the risk of waiting a little longer to ease policy is lower than the risk of acting too soon and possibly halting or reversing the progress we’ve made on inflation.” Therefore, there’s no rush.
Other mortgage rate forecasts
Fannie Mae, the Mortgage Bankers Association and National Association of Realtors predict that mortgage rates will gradually descend in 2024, to around 6% in the final three months of the year.
However, if the Fed keeps the federal funds rate unchanged through the first half of the year, don’t be surprised if forecasts are revised upward.
Looking back at February’s prediction
At the beginning of the month, I predicted that “mortgage rates might not change much in February.” Contrary to the prediction, mortgage rates did change in February: They started to rise in the first week and kept going up most of the month.
But the forecast served a purpose if it persuaded anyone to avoid waiting in vain for mortgage rates to fall in February.
I explained that rates “might remain relatively unchanged until markets believe the Fed is about to loosen monetary policy by cutting the federal funds rate.” That didn’t happen in February and it’s not going to happen in March.