bench

Apache is functioning normally

Seems like a simple thing — to measure the square footage of a house. Just multiply the length by the width of each room and add up all your numbers. Not so fast. First of all, what’s a “room”? Do closets count? Basements? And why does accurate measuring even matter? There’s a lot to unpack.

What’s so important about getting square footage right?

If you’re moving into a new home and you want to know if your California king is going to fit into the primary bedroom, it’s nice to know the room’s square footage.

But there’s more riding on how to calculate the square footage of a house than just being able to fit your stuff. The square footage of a house determines its value. Lenders rely on square footage for mortgage calculations, tax assessors rely on square footage for assessments.

So, if you’re renting a house now but thinking of buying, it’s important to understand your current square footage so you can make a good comparison when house hunting.

What’s included in a house’s square footage?

There are several different answers to this question. First, here are a few terms to understand:

  • GLA (gross living area) is a home’s finished livable space above ground. And, if any part of the finished space is below grade, the entire area is typically known as below grade. GLA calculates when appraisers measure the home’s exterior. It goes in public records and is often important for tax purposes.
  • TLA (total living area) is like GLA but it includes finished basement space or possibly an accessory dwelling unit (ADU).
  • Living space is determined by American National Standards Institute (ANSI) Z765, which is a voluntary guideline for describing, measuring, calculating and reporting area for single-family homes.

Living space generally refers to “anything that is under the roof, within the house that is finished and heated — space heaters don’t count,” said Bryan Reynolds, a Certified General appraiser in Kentucky and Tennessee and president of the National Association of Appraisers.

Rooms to measure when calculating the square footage of a house

You might be surprised by which rooms are included — and which are not — when determining how to figure out square footage:

  • Bedrooms
  • Bathrooms
  • Kitchens
  • Hallways
  • Finished closets

Areas that don’t count towards the square footage of a house

There are plenty of rooms or spaces in your home that would qualify as “living space,” but don’t get counted in the total square foot calculation:

  • Finished basement: Say you have a ranch home with 1,000 square feet above ground and a 1,000-square-foot finished basement. An appraiser would say it’s 1,000 square feet of above-grade space and 1,000 square feet below grade. A real estate agent might say that there are 2,000 total square feet.
  • Enclosed porch: “If it’s unheated or used seasonally and there’s a separate door to the livable area, then it’s not included,” Reynolds said. But “if it’s finished in similar quality to the rest of the home, functional in design and has a heat source that is permanent in nature, then it can be included.”
  • Garage: The normal garage storage space doesn’t count. However, a bonus room above the garage might count. Only if it’s heated and 100 percent finished to a similar quality as the house. And, if it’s directly accessible from the inside of the house though.
  • Accessory Dwelling Unit: Unless it’s actually part of the house, it’s considered a separate entity.

Then, if you want to really get into the weeds, what about the sort of dead space under the stairs? According to Reynolds, ANSI says to include it, but AMS (American Measurement Standard) allows you to remove it from the square footage equation.

And, if you’ve got a bay window with a bench under it, one could argue that if you were to take the bench away, there would be useable floor space and that should come with the square footage.

How to figure out the square footage

Now that you know what to measure, here’s how to measure. But first, remember the aforementioned ANSI Z765?

For a room to make it in a home’s total square footage, the ceiling must hit a certain height — seven feet or higher or six feet four inches if there are beams or soffits. Plus, no portion of the finished area can have a ceiling height of less than 5 feet.

Let’s say you’ve got a Cape Cod with a sloped ceiling and knee walls. That portion under the sloped ceiling (if it’s five feet or less) is not counted in the square footage (see image). In addition, the rest of the ceiling must hit at least seven feet for at least half of the room’s floor area.

Photo source: AccurateHomeMeasuring.com

Keep in mind that an appraiser will, hopefully, look around inside the house but will measure the house from the exterior — unless there’s that pesky sloped ceiling situation, in which case they will have to go inside or the square footage will be off.

According to Hamp Thomas, certified residential appraiser and author of “How to Measure a House Using the ANSI Standard,” the pros use a 100-foot tape measure to do their job. Certainly, a shorter tape measure would work. However, there is a lot of stopping, starting and adding that can lead to inaccuracies.

Measure around the outside of the house above the foundation. Multiply the length by the width of each rectangular space. If you’ve got a second story and can’t reach a corner on the exterior, for example, measure from the inside and then add the width of the exterior walls.

Know why you’re measuring

It’s likely that, if you’re reading this, you’re not a professional appraiser. If you’re interested in getting a general sense of how much footage you have in your house, grab a measuring tape and measure each room’s length and width and multiply those numbers. Then add all the square footages together. “Don’t forget to include any outside walls thickness, or just measure from the exterior,” Reynolds said.

If a room isn’t a nice rectangular shape and has jogs and bumps, create rectangles, measure and multiply the length by width. Then, add up all the bits and pieces.

And if old-school tape measures aren’t your thing, there are lots of free measurement apps that you can download to your phone. You can also put the information into Calculator Soup’s square footage calculator, which can help you figure out the square footage of differently shaped rooms.

Measure on.

Stacey Freed is an award-winning writer and former senior editor for Remodeling, a trade publication focused on the business of the remodeling and construction industry. As an independent writer, she continues to write about the building, design, architecture and housing industries. Her work has appeared in Better Homes and Gardens and USA Today special interest publications, Realtor magazine, This Old House, Professional Builder and online at AARP, Forbes.com, House Logic and Sweeten.com among other places.

Source: rent.com

Apache is functioning normally

As a Homes writer and interior design obsessive, I love nothing more than spending my downtime decorating or sprucing up our family home. And whether you live in a cozy apartment or palatial house, we all want to create our ideal abode. Trouble is, when you don’t know where to start, it all can all seem rather overwhelming. 

While pulling a room together may seem easy on Instagram or social media, there are some basic rules and tips I’ve learned over the years. These top tips will help you achieve the right balance of functionality yet still look stylish. What’s more, these clever design ideas will instantly transform your space, regardless of size, without having to spend a fortune on an expensive renovation!

I’m obsessed with home makeover shows — and these are the 3 mistakes people always make. 

1. Go big with mirrors  

Large mirror in bedroom (Image credit: Shutterstock)

One of my favorite tricks is the power of mirrors. I absolutely love using mirrors in my home, and the bigger the better. Mirrors are a great way to reflect the natural light across the room,  make a small room look bigger, and feel airy and more open. For effective results, lean a large mirror against a wall opposite a window so the light will bounce off it. In small spaces, opt for mirrors that go from floor to ceiling to maximise the light. 

In addition, if you want to brighten a dark room, a mirrored wall will also do the trick. Wall-mounted mirrors work well to reflect light, give the illusion of a bigger space, and instantly make your room feel open and airy. More importantly, it will give your blank wall a stylish and contemporary makeover.  

While glass can often be problematic if you have children and pets running around, you can choose plexiglass acrylic mirror. Bendable acrylic wall mirrors much like this Shatterproof Wall Mirror ($29, Amazon), are designed to be safer and won’t get accidentally broken or damaged. 

Alternatively, if you don’t have a mirror, any reflective surface such as stainless steel, glass and metallic accessories will do the job.

2. Buy the right-sized furniture for the space

Big sofa in small space (Image credit: Shutterstock)

Have you ever bought something for your home, only to find out that it’s way too big (or small) for the room? That’s why it’s important to always check the dimensions of furniture before buying, and find a style that’s in proportion to the room. So if your space is too compact for a conventional, rectangular dining table, a circular table will take up less room. 

Getting the proportion right can be tricky if you’re buying furniture/decor online, and the reality is far different from the pictures! You may find it helpful to use an AR app such as IKEA Place to get a better idea of how an item of furniture will fit into the space you have.

Another top tip is to elevate your furniture. Instead of heavy-set pieces of furniture, and cumbersome sofas — especially in compact rooms, choose sofas and armchairs with narrow arms, and raised on taller legs. The trick here is when you see more floor underneath, it will give the illusion of a bigger room, and allow natural light to flow better.

In fact, buying the wrong-sized furniture is one of the top decor mistakes that are making your home look smaller than it is.  

3. Make use of vertical space 

Bathroom items in storage boxes (Image credit: Shutterstock)

Furniture doesn’t always have to be spread out. Another top tip is to utilize vertical space — especially if you lack floor space or have a compact room. Depending on how strong your walls are, you can easily wall mount floating wall shelves, vertical cabinets, or clever storage units to free up valuable floor space. 

For home offices, hanging smaller things on wall-mounted rails can be handy, as you’ll have more desk space making it less cluttered. And for small bathrooms, wall-mounted storage is one of the things organized people keep in their bathrooms. Just don’t forget to check what’s behind the wall before you start drilling holes everywhere! 

There are also plenty of stackable storage ideas to keep everything in order. For instance, if you want to keep children’s toys tidy, storage organizers like this Humble Crew Extra-Large Toy Organizer ($79, Amazon), will save you valuable space.  

4. Layer your fabrics 

Sofa with throws and cushions (Image credit: Shutterstock)

There’s nothing better than coming back to a warm and relaxing home to snuggle in. And layering up with chunky throws, soft blankets and plush cushions on sofas and beds work well to achieve that cozy factor. 

In addition, it’s good to mix-and-match the textures and color scheme so that everything doesn’t look the same. You want to create an inviting feeling that is also aesthetically pleasing. 

Interestingly, soft furnishings are one of the clever ways to reduce noise in your home. Plush furniture like an upholstered sofa, bench or even plump cushions work well to ‘soften’ an area — diffusing unwanted sounds. Thick rugs on hardwood floors can also help to block out some noise, and also prevents furniture from making much noise when it’s moved around. So it’s a win-win! 

5. Conceal the clutter  

Storage stool and basket in living room (Image credit: Shutterstock)

When designing a space, we often forget about functionality, and practical storage solutions. To avoid cluttered spaces, conceal the clutter with multi-purpose furniture such as ottoman benches, blanket boxes or woven baskets. These are clever ways of hiding clutter, as well as doubling up as extra seating or a handy footstool for your guests. Plus, if you have cluttered shoes piling up by the front door, here’s 7 space-saving ways to organize shoes in your entryway.

In addition, if you have unsightly cables or items lying around, there are plenty of creative ways to disguise ugly items in your home. These include things like cable management organizers or sleeves, soap dispensers, or attractive tissue box covers. 

And if you have one of the best TVs for family entertainment, cozy movie nights or a decent gaming session, check out these clever ways to decorate around a TV. 

6. Don’t overcrowd your walls 

Gallery wall in living room (Image credit: Shutterstock)

Whether it’s family photographs, abstract wall art, or stylish posters, pictures on the walls can add a personal touch. However, there is a danger of going overboard with the gallery wall — making your walls look like an eyesore. 

When learning ways to decorate a blank wall, it’s advisable to stick to the ‘odd number rule’ when displaying pictures. So rather than hanging in even numbers, stick to three or five on one wall, or even one large frame. This rule is considered to be more visually appealing, and looks less cluttered. If you want to hang two pictures side by side however, make sure the frames are identical, and hung at the same height. Although this should really be 57 inches, generally, pictures should be hung at eye-level. 

Secondly, if you just want to hang one large wall art, position it so that the center of the artwork is approximately 48-56 inches from the floor. However, if it’s positioned above a sofa or table, the bottom of the frame should begin at least 6-12 inches above the back of the sofa or tabletop.

Peacock chair in room  (Image credit: Shutterstock)

If you follow decor trends on social media or TV shows, it can be easy to get carried away with buying things on impulse. By definition, trends come and go, and just because everyone is doing wood panelling, doesn’t mean it will look good in your home! 

Define your personal style, and keep your interior scheme simple and classy. After all, less is more! It’s always best to stick to neutral styles, tones or accessories, and incorporate bursts of bold color in soft furnishings, accessories or even lush houseplants. This way, you can change it up whenever you feel like it, or style your home according to the changing seasons.

What’s more, splurging on the latest trends and new furnishings just for the sake of it can make your home look cheap, according to interior designers. 

More from Tom’s Guide

Show More Deals

Source: tomsguide.com

Apache is functioning normally

Apache is functioning normally

Database Mining, Closing Cost, RON, AI, DPA Products; Vendor News Heading to Philly

<meta name="smartbanner:author" content="We now have a native iPhone
and Android app.
Download the NEW APP”>


This website requires Javascrip to run properly.

Database Mining, Closing Cost, RON, AI, DPA Products; Vendor News Heading to Philly

By:
Rob Chrisman

8 Hours, 13 Min ago

Today, as I head to Chicago (from the Native American word shikaakwa, for the wild onion) on my way to Philadelphia, I received this note. “Rob, why is PenFed exiting from correspondent?” Well, you should talk to your PenFed rep. But if anyone had to make a harsh guess, it would start by asking, “Why would any member-based organization with a branch network and thousands of members, in this environment, feel the need to offer wholesale or correspondent channels to others at very low margins who may be competitors?” There will be plenty of competitors under one roof at the MBA’s Annual starting Sunday. For many IMBs, their goals by going include searching for a great HELOC and/or 2nd program, seeing what’s new with down payment assistance programs, and seeing the latest in under-served markets. Another topic will of course include inflation and interest rates. Is your car insurance up 19 percent? Yesterday’s CPI said so. How about taking the family to Disneyland? A ticket to Disneyland on the most popular days is as high as $194, which is up 8 percent. A five-day ticket’s price will rise 16 percent to $480. Parking is $65. (Today’s podcast can be found here. This week’s is sponsored by NotaryCam, your partner for The Perfect Close! Ease of use, additional closing compliance, better borrower experience, reduced timelines, and cost savings, what is stopping you from getting on the RON train with NotaryCam? Listen to an interview with attorney Jay Beitel on arguments in the Supreme Court case regarding the CFPB.)

Lender and Broker Software, Products, and Services

It can cost up to 5X more to acquire a new customer than it does to keep one. So ask yourself, are you staying in touch with past borrowers the way you should? Sadly, only one in five borrowers return to their lender for their next mortgage loan. But that doesn’t have to happen to you. ICE can help you keep client relationships warm using automated marketing campaigns. Surefire℠ CRM and Mortgage Marketing Engine comes equipped with a five-year Client for Life workflow that can be used to engage past clients with award-winning content long after close. Watch borrowers pour in for their next loans when they’re ready to buy, sell or refi. To learn more, request a demo of Surefire today.

Is your focus to do more with less? A business intelligence solution should highlight where there are opportunities to incorporate efficiencies and reduce costs. The most forward-thinking industry leaders are turning to Richey May’s RM Analyze to learn what they need to know now more than ever: how to operate even leaner. It’s half the cost of a full-time employee, and you gain access to a strong bench of talent with a rich background in the mortgage industry and access to hundreds of reports, including real-time peer benchmarking data, in no time. With these insights you can make meaningful decisions for your business and do more than just survive. Learn how to operate leaner.

Capacity is bringing a brand-new feature to MBA Annual this week! Guidelines are complicated, and the search for that one specific answer can steal hours of time from your team. Get up-to-date, accurate guideline responses instantly with Capacity’s GSE Search, enabled by GPT. Just “ask Capacity” any question on regulations from Fannie Mae, Freddie Mac, FHA, and more—and get answers within seconds. Want to streamline one of the most time-consuming processes in mortgage? Schedule time with Capacity this week at MBA Annual.

Are you paying for third party rescore services? What if you had a solution to convert more loans, grow your business and exceed the expectations of clients? Rocket Pro TPO offers its partners Credit Upgrade, an expert team of credit consultants who help clients qualify for the best loan products, rates, and pricing. In fact, in 2023, this service has helped save clients about $16 million on loan level pricing adjustments. Unlike programs that charge hundreds of dollars, Credit Upgrade is free, helping you retain more clients, build real estate agent relationships, and grow organic referrals affordably. Watch EVP, Mike Fawaz’ video for more details. Interested in learning more about a Broker or Non-Delegated Correspondent partnership? Contact Rocket Pro TPO to learn more.

Fun Fact: Philadelphia is home to the nation’s oldest inhabited road, Elfreth’s Alley, whose cobblestones date back to 1702. As the MBA converges on one of our nation’s founding cities, Click n’ Close will be on hand to help lenders to address the affordability challenges facing our industry through its SmartBuy down payment assistance (DPA) suite of loan products. With no income limits and other innovative features, such as a repayable option with a 30-year amortization, a 2-1 buydown and options for manufactured homes, SmartBuy is your one-stop shop for all your DPA and affordable lending needs. And, unlike state or municipal DPA programs, SmartBuy isn’t subject to budgetary shortfalls and offers tremendous flexibility to accommodate a wider range of borrower scenarios. Visit us at booth #733, schedule a meeting with Julas Hollie from our correspondent team or visit here to learn more.

“Accenture’s analysis finds that within three years, generative AI could magnify a lender’s operating income by two to three times compared with consensus forecasts by driving revenue growth and reducing costs. On the revenue side, we anticipate it could create a 17% increase in time allocated to client interactions and advice, which are responsible for ~80% of banking revenue. This additional time could translate into a 9% surge in revenue. No lender can afford to ignore growth like that. If you’re not sure where your generative AI journey should begin, our top advice is to form a generative AI SWAT team today. This should include leaders from both the business and tech sides of the bank, and its mandate should touch on strategy, policy, talent, technology, and data. (Yes, this touches everything). We would love to hear from you and show you what we are delivering today. If you are attending the MBA Annual in Philadelphia and would like to meet with us, please ping us here.”

Post-season baseball is in full swing, and when the game and a chance at the World Series is on the line, the closer can make or break a team’s post-season success. The same can be said for real estate closings. With California passing RON legislation, now is the perfect time for The Perfect Close using NotaryCam’s eClose 360 platform. As trailblazers in RON and eClosings, NotaryCam boasts a team of highly skilled notaries who understand the unique requirements of your borrowers. With continuous updates and improvements, NotaryCam services remain at the forefront of mortgage digitalization, including recent advancements such as eNote and eVault services. If you’re heading to Philly for MBA Annual, make sure you “wind up” visiting NotaryCam at booth #721 or schedule a one-on-one meeting to ensure your mortgage closings are clutch.

Are your borrowers computing payments with a “Dumb” calculator or a “Smart” calculator? Dumb calculators are everywhere, and they’re dumb because they’re generic, inaccurate and not personalized. Smart calculators are what borrowers want. Smart calculators are personalized to the borrower. They give accurate payments and accurate closing costs because they use the borrower’s qualification criteria. You can issue Smart Calculators to your borrowers right from within Encompass® by ICE Mortgage Technology™ with QuickQual. Check out what a Smart calculator looks like here and they’ll text a sample right to your phone.

Vendor News

Attendees of next week’s MBA Annual conference in Philadelphia will be keeping an eye on the “LTV ratio:” lender to vendor. Something tells me that lenders will be in high demand. Ahead of it, let’s take a quick glance at who’s doing what.

FundingShield has entered a partnership with SitusAMC to further protect financial institutions from the rapid increase in wire and title fraud in recent years. It will create an “integrated offering for SitusAMC’s client to have direct access and straight thru processing, which is roughly 80 percent of warehouse lenders… FundingShield’s live ecosystem of service provider source bank data is the largest in the industry with over 95% coverage. Clients of SitusAMC’s warehouse lending platforms ProMerit and WLS can now benefit from direct access to FundingShield’s cost-saving and risk-reducing ecosystem via API and data integrated solutions, allowing them to uphold superior standards in data integrity, bank account verification, and counterparty compliance. ‘SitusAMC has great relationships with over 1500 financial institutions that will allow FundingShield to deliver integrated cutting-edge financial technology to combat wire fraud,’ said Ike Suri, CEO of FundingShield.”

MISMO®, the real estate finance industry’s standards organization, announced that the industry standard dataset mapping for the U.S. Department of Veterans Affairs (VA) Verification of VA Benefits (Form 26-8937) has reached “Candidate Recommendation” status, which means it has been thoroughly reviewed by a wide range of organizations and industry participants and is available for use across the industry. MISMO developed this dataset to facilitate the transformations underway at the VA. This dataset provides an industry standard for the exchange of the information required on the VA Verification of Benefits form, creating efficiency and improved interoperability within the system.

Xactus Appraisal FirewallX is connecting mortgage lenders with vetted and trained property data collectors to deliver the value acceptance + property data, PDRs, and hybrid appraisal solutions. Capable of fulfilling orders from lenders supporting Fannie Mae property data collection and Freddie Mac’s Property Data Report (PDR). Upon submitting a loan application to Fannie Mae’s Desktop Underwriter® (DU®) or Freddie Mac’s Loan Product Advisor® (LPAsm), the lender will receive a notification indicating the collateral valuation option for which the loan qualifies.

Solve Mortgage, a Non-QM wholesale lender based in Calabasas, California, is implementing the OptifiNow TPO CRM. OptifiNow TPO is a CRM platform built exclusively for wholesale mortgage lenders that includes tools designed to market to and manage mortgage broker accounts efficiently. The platform is integrated with numerous mortgage loan origination systems (LOS), includes email and SMS capabilities, and can be deployed in just 30 days.

Mobility Market Intelligence (MMI), a leader in data intelligence and market insight tools for the mortgage and real estate industries, announced the addition of a suite of new dashboards to its growing Custom Dashboard Hub. Built to assist lenders in researching areas to expand their Community Reinvestment Act (CRA), low-to-moderate income (LMI) and majority-minority census tract (MMCT) lending initiatives, the six new dashboards allow lenders to penetrate areas of high growth and increase the span of actionable insights and applications for users.

The new suite of dashboards, including Census Tract, Community Reinvestment Planning and Minority Community Lending dashboards, can help lenders formulate business plans in high growth / high reward areas, identify recruiting candidates and referral partners entrenched in these areas and gain insight into baseline and comparative performance metrics.

FormFree is launching FormFree Exchange (FFX®), an industry-first marketplace where mortgage lenders can find high-intent, financially verified borrowers that meet lenders’ credit risk profiles. “Lenders can search FFX for borrowers who have demonstrated that they are ready to transact by electronically verifying their assets, income, employment and other core underwriting data. Borrowers’ financial profiles are captured and continuously updated in anonymous Qualified Borrower (QB) Medallions. Because QB Medalliions also contain CRA eligibility, DPA eligibility and a host of alternative underwriting data, FFX supports lenders who would like to extend financing more inclusively without taking on additional risk.”

Capital Markets

“Struggling to find the liquidity you need to compete? Need multiple investors for a new program? Looking to expand your options in 2024? MAXEX continues to add new sellers to its growing platform of more than 25 leading buyers of jumbo, non-QM, Agency-eligible, DCSR, scratch & dent and second lien loans. Every day, originators like you are finding best execution on a flow, forward or bulk basis via MAXEX’s exchange. Adding new investors is hard. We simplify it. Ready to learn more? Meet MAXEX at MBA Annual in Philly or visit us online.”

Driving interest rates, we learned yesterday that price growth in September came in somewhat stronger than expected, with the Consumer Price Index (CPI) rising 0.4 percent month-over-month versus expectations for a 0.3 percent gain. There was no sequential change in the year-over-year inflation rate of 3.7 percent. Excluding food and energy, prices also rose 0.3 percent. Core CPI is set to recede further in the coming year as shelter disinflation resumes, supply-related pressures ease, and consumers grow more price sensitive. However, Treasuries extended the recent selloff that’s pushed up yields in the past month, which has also driven up borrowing costs

September import and export prices kicked off today’s calendar. Later today brings preliminary October Michigan sentiment and remarks from Philadelphia Fed President Harker. Bank earnings also get under before the open when JP Morgan, Citigroup, and Wells Fargo reporting along with BlackRock and PNC Financial. We begin the day with Agency MBS prices better by .125-.250 and the 10-year yielding 4.62 after closing yesterday at 4.71 percent; the 2-year is hovering around 5.03 percent.

Employment

“Rome wasn’t built in a day, and neither was the mortgage company you built. IMBs are experiencing pressure unseen since 2008. If you’re considering selling, closing, or merging, ensure you weigh all options. Consider your financial interests and your team’s future. Companies and Teams are partnering with Service First Mortgage. When contemplating reducing perks, benefits, staff, or M&A, Trust and Transparency are key. It starts with Leadership and affects the entire team. Consider companies like Service First with financial stability because of a Significant Servicing Portfolio and Full Agency Approvals: FNMA, FHLMC, and GNMA. A Strong Balance Sheet and Multiple Warehouse Lines offer security. Robust Product Offerings provide opportunities to build relationships with controlled partnerships like builders and affinity partners. Service First recently brought on Great Western Home Loans with a commitment to preserving culture, the GW brand, while ensuring stability and growth. If you’re considering a change, email us.”

Homeowners Financial Group announces that its Founder, President and CEO Bill Rogers has been named to the HousingWire Vanguards list for 2023. The HW Vanguard Awards program recognizes C-level industry professionals whose leadership moves housing and mortgage markets forward. In the challenging post-Covid lending environment, Bill has consistently created collaborative solutions that have kept his sales force confident, upbeat, and motivated. His abundant positive energy infuses every aspect of the organization, from personal and business development initiatives that lift employees to new heights in their careers to the company’s many charitable endeavors. “Bill is a true servant leader who is exceptionally connected and accessible to his people and puts them first at all times,” says Homeowners Chief Strategic Officer Ron Stowers. “With someone like Bill at the helm, it’s no surprise that our employees are the biggest advocates for Homeowners.”

 Download our mobile app to get alerts for Rob Chrisman’s Commentary.

Source: mortgagenewsdaily.com

Apache is functioning normally

Apache is functioning normally

October is officially one week away, making this week the best time to shop for and refresh your space with Halloween decor. Pottery Barn, Anthropologie, Target, IKEA, and West Elm all have some of the most fun and viral Halloween decoration ideas, but my absolute favorite place to find stylish and spooky home decor items is at JOANN. Not only does JOANN have some of the most festive, spooky season home decor, but it also has amazing prices, with sales starting super early in the season. 

With JOANN’s current Lowest Prices of the Season sale, you can get between 50 and 60 percent off fall and JOANN Halloween decor, just in time for trick-or-treaters. Plus, this week’s JOANN coupons include a $1.99 shipping perk with promo code SHIP199SAVE at checkout. 

Find out more about how we test.

The market is awash with Halloween pieces at the moment and at this time of year you rarely find them on sale. Halloween pieces at competitors can be incredibly expensive for decor that you’ll only use once a year, so it’s smart to find finishing touches on markdown. What I particularly like about JOANN’s selection is that a lot of these pieces are made with iron instead of plastic, so they should hold up for years, saving you even more in the long run. 

Place & Time Halloween Metal Moon Phase Candle Holder

Was $24.99, now $12.49 at JOANN
Candlesticks are one of the biggest home decor trends of the season, and this moon phase option puts a spooky spin on the style. Constructed from 100 percent iron, this candle holder of moon phases is heavy-duty and built to last for seasons to come. It would look so cute on a tablescape with the viral DIY ghost candle from TikTok or added to a spooky fireplace display with flameless taper candles.

Place & Time Halloween LED Haunted House

Was $39.99, now $19.99 at JOANN
Illuminate your mantle or bookshelf with this adorable Halloween LED Haunted House from JOANN’s Place & Time Crypts and Cobwebs collection. This haunted house is constructed from a durable mix of stone powder and resin, giving it a ceramic-like finish. We love it on its own on an entry table next to a tablescape of pumpkins and gourds or paired with other haunted houses from the JOANN collection. 

Place & Time Halloween Metal Spider Bowl

Was $29.99, now $14.99 at JOANN
Whether you’re shopping for a Halloween candy dish or are looking for unique serving dishes for an upcoming spooky party, the Halloween Metal Spider Bowl is another fantastic spooky addition to your Halloween decor. This 9-inch bowl features long, creepy crawly legs and a full spider body and head with plenty of room for candy corn, pub mix, popcorn, and other Halloween snacks. 

Place & Time Halloween Black Metal Bats Wall Accent

Was $59.99, now $29.99 at JOANN
If you want to deck out your walls for Halloween but are looking for something slightly more elevated than your traditional party decor, this chic Black Metal Bats Wall Accent from Place & Time is worth considering (and its sale price makes it a definite add to cart). The durable Halloween wall decor is constructed from 100 percent iron and would look spooktacular placed above a fireplace mantle, entryway wall, or even outdoors in a patio area. 

Place & Time Halloween Orange Pumpkin & Ball Felt Garland

Was $19.99, now $9.99 at JOANN
Autumn means festive garland, starting with this craftcore style felt garland featuring plush orange pumpkins. This 6-inch long garland is a fun and whimsical way to dress up your home for the spooky season and would look great placed along a mantle, wrapped around a wreath, or added to a children’s room bookshelf. 

Place & Time Halloween Figural Ghost Pillow

Was $39.99, now $19.99 at JOANN
If you love the viral Gus the Ghost pillow from Pottery Barn but are looking for a more budget-friendly option, consider the Halloween Figural Ghost Pillow from JOANN. This 14 x 17-inch ghost pillow is somewhat of a Pottery Barn dupe and features that same plush material and spooky spirit. It’s the perfect throw pillow for that living room accent chair, but it would also look adorable nestled up with other festive pillows on an entryway bench. 

If JOANN’s sale items aren’t quite doing it for you, we’ve also covered the best places to buy Halloween decor so that you can welcome trick-or-treaters in style.

Source: homesandgardens.com

Apache is functioning normally

Apache is functioning normally

I can’t wait to curl up on the couch with a book and a cozy blanket once the weather cools down! I don’t do a lot of seasonal decorating, but I am looking forward to incorporating a few fall touches throughout our home. I love decorating our front porch with lots of mums and and adding a few things in each room to bring some autumn vibes inside! I rounded up some of the best Target fall home decor finds that are a simple and affordable way to refresh your home for fall.

Grid Knit Throw Blanket // Wreath // Woven Pumpkin // Stoneware Crock // Wicker Tray // Ceramic Table Lamp // Octagon Doormat // Herringbone Throw Blankets // Plaid Accent Rug // Ceramic Vase // Woven Storage Bench // Block Print Throw Pillow // Linen Throw Pillow

How cute are these $5 woven mini pumpkins?! They’re the perfect understated nod to the season. Arrange them on an entry console, coffee table, or dining table for a simple fall touch. They also make a great addition to any fall tablescape! Bringing in accents in warm earthy tones like burgundy, rustic orange, and soft browns is an easy way to make your home feel more autumnal. Elevate your favorite reading nook with a few textured pillows on your couch and a plush throw to create a cozy spot you’ll love to sit and wind down in with a good book or needlepoint project.

And of course you can’t forget the front porch. Like I mentioned earlier I love giving our front porch a fall refresh by adding mums along our front steps. You can also add a seasonal wreath like this one to your front door and a simple doormat to add that touch of warmth to your front porch without going too cheesy.

SHOP THE POST


Turn on your JavaScript to view content

Source: carlyriordan.com

Apache is functioning normally

Apache is functioning normally

Thanks in part to hosting the 2002 Winter Olympics, the Games helped put this sleeper metropolitan city on the map and pushed the economy to create more things for younger, Mormon and non-Mormon populations alike to enjoy.

Now Salt Lake City is home to booming brewhouses, a trending food scene, a culture that thrives on supporting local businesses and outdoor/indoor sports galore. From hiking to skiing, you can enjoy the mountains surrounding Salt Lake Valley year-round.

As Utah’s state capitol, it’s home to about a third of Utah’s population, with the larger area’s population coming in at 1.3 million. The state as a whole has a pretty young population with the median age being 27 and Salt Lake City’s living is pretty affordable. The average rent for a one-room apartment is $1,317. The greater Salt Lake City area has 22 different neighborhoods, each one a little different in vibe and conveniences.

Salt Lake City is home to the following professional sports teams: The Real Salt Lake MLS team, the Utah Jazz NBA team and the Utah Warriors MLR. Along with some minor league teams like the Salt Lake City Stars NBA G League and the Minor League Baseball team the Salt Lake Bees.

Here are the best neighborhoods in Salt Lake City.

  • Walk Score: 67/100

If you’re all about the outdoors, then this quiet and small Arcadia Heights neighborhood is just the cozy place you’ll find yourself gravitating toward. Right at the base of the Wasatch Mountains, it’s near outdoor gear shops and hiking trails.

Arcadia Heights attracts middle-aged residents, but that just makes it all the more peaceful. This little neighborhood has parks, dog parks and country clubs, so you can enjoy nature no matter your preference. Head to the mountains from your own back door, or take a 10-minute trip over to the Millcreek Canyon for fly fishing, snow-related sports or a great biking challenge.

  • Walk Score: 72/100

Not to confuse it with the Bonneville Salt Flats, Bonneville Hills is a nice suburban area just west of East Bench, where young professionals, families and professionals tend to gravitate. The streets have older homes and trees and the area is well-manicured.

It’s conveniently located, letting you reach wherever you need to go in just a few minutes, while still giving you that quieter lifestyle.

Source: Rent./Seasons at Library Square
  • Median 1-BR rent: $1,412
  • Median 2-BR rent: $1,918
  • Walk Score: 89/100

The Central City area is a super biker-friendly neighborhood and touted as the City’s first hipster cove. Central City gives Capitol Hill a run for its money on coffee shops, too, but also offers the brunching destinations of your dreams, why it’s one of the best neighborhoods in Salt Lake City.

Walk around and enjoy the Tracy Aviary, the sculptures in Gilgal Gardens or the perfect view for sunsets in the Faultline Gardens. Thanks to all the parks, bars and restaurants, young professionals have understandably been flocking to the area for years.

  • Median 1-BR rent: $1,374
  • Median 2-BR rent: $1,499
  • Walk Score: 67/100

East Bench traditionally has an older population of retired folks — but they can make the best neighbors. It’s just 10 minutes from Downtown and provides a great suburban feel.

If you’re looking for something a little on the quiet, slightly upscale side with a golf course or two, East Bench is the place for you.

  • Median 1-BR rent: $1,006
  • Median 2-BR rent: $1,179
  • Walk Score: 60/100

The Glendale neighborhood is conveniently close to the downtown hustle and bustle, just west of I-15. This neighborhood loves the outdoors, as it has several parks. The biggest park, Jordan Park, hosts the weekly People’s Market where residents can get freshly grown and homemade goods.

Glendale’s home to the planetarium, Utah’s largest brewery and loads of dining options, too.

Source: Rent./The Charli
  • Median 1-BR rent: $925
  • Median 2-BR rent: $1,025
  • Walk Score: 67/100

What was S.L.C.’s industrial district, like so many other metropolitan areas, has become the revitalized hangout destination for young professionals. With outdoor murals all over the buildings in the Granary and Ballpark District, and so many eating and drinking options, it’s clear to see why so many flock to this area, even if they’re only there to catch a Salt Lake Bees game.

And what’s a minor-league baseball game without beer, right? The district is full of gastropubs and good brews, too, perfect for one of the best neighborhoods in Salt Lake City.

  • Median 1-BR rent: $925
  • Median 2-BR rent: $1,095
  • Walk Score: 64/100

Highland Park has a homey and local feel that’s packed full of history. There’s a pretty large historic preservation effort going on in the neighborhood, which was developed starting in 1910.

Like several other niche areas in S.L.C., Highland Park is all about supporting local businesses, and its efforts have curated quite a few cool shops. Stroll the streets to find a specialty plant retailer, a garden and bird supplier, a bookstore and an old-school pharmacy/gift shop. The food is great, ranging from Italian or Greek to Dutch or sushi.

Highland Park is also known for its Visual Arts Institute, along with its golf course. There’s something for everyone at Highland Park!

  • Median 1-BR rent: $1,125
  • Median 2-BR rent: $1,395
  • Walk Score: 67/100

The Liberty Wells area has a history of ebbing and flowing, due to its play in Salt Lake City’s history. From supporting the city through agriculture to streamlining streetcars, Liberty Wells has had its highs and lows.

Currently, it’s experiencing a massive high and is a huge upcoming residential area. As a part of that, the newer apartment buildings are ample, as are ways to enjoy the neighborhood. From wonderful food choices to Liberty Park or the Chase Home Museum of Utah Folk Arts, there’s pretty much always something to enjoy in the area.

  • Walk Score: 67/100

The 9th and 9th district likes to say it’s a one-stop-shop for all things dining, shopping and living-related and promotes a “buy local” lifestyle. The neighborhood has figured out that if you eat and shop locally, the money goes back into the community. Mom-and-pop shops are around every corner, and the big-box stores are a little harder to find. The 9th and 9th District calls itself the “anti-mall” community.

From breweries to Thai and Hawaiian eateries, this mellow little neighborhood packs a punch of diversity so its residents will never get bored.

  • Median 1-BR rent: $1,064
  • Median 2-BR rent: $1,449
  • Walk Score: 52/100

Rose Park is on an upward swing in Salt Lake City and is becoming one of the most up-and-coming suburbs in the area. It’s one of the most ethnically diverse areas in the city, and you can’t beat the easy commute!

Loaded with tons of community parks and filling up fast with families, this is a great area if you’re looking to escape the hustle and grind in the throes of a city, but don’t want to get too far out.

  • Median 1-BR rent: $1,602
  • Median 2-BR rent: $1,902
  • Walk Score: 67/100

Sugar House is one of the best neighborhoods in Salt Lake City neighborhood and it’s pretty progressive. In fact, it’s known as one of the most “hippy” neighborhoods in S.L.C. The fun name comes from its first settlers planting sugar beets.

Sugar House is actually one of the city’s oldest neighborhoods, established in 1853 and it’s home to Sugar House Park, a large park with great views on the Wasatch Mountains and ample running trails.

If you’re in the mood to shop, this little neighborhood scattered with Victorian-styled bungalows has you covered, stop into any slew of the hippy boutiques selling anything from olives to tarot cards or locally made goodies.

  • Walk Score: 41/100

While largely residential and suburban, Sunnyside East feels spread out and laid back with a little less than 700 residents. It’s a little further out from the heart of the city, so most residents are either retirees or families looking for something a little slower and quieter.

The attractions are pretty diverse though, as Sunnyside East is home to a golf course and the zoo. Those attractions bring in plenty of events throughout the year, too. With plenty of food options — pho, smoothies, curry, delis and sushi — there’s no reason to ever leave the area.

  • Median 1-BR rent: $1,200
  • Median 2-BR rent: $1,700
  • Walk Score: 68/100

If you’re into an old-town feel, something lined with old homes that need love, The Avenues is the S.L.C. neighborhood for you. Stretching up along the hillside, this region overlooks the State Capitol Building and has a storied, history-rich vibe. If you’re a coffee fiend, this is the neighborhood of your dreams. With all the political hustle in this neighborhood, the coffee runs faster than the Legislature.

Take a scenic stroll through architectural wonders like the nearby Cathedral of Madeleine, the State Capitol building itself or the Salt Lake Masonic Temple. For a slightly spookier journey, you could always try to find the city’s oldest grave in the Salt Lake City Cemetery. Be sure to catch a play at the theatre, too.

  • Median 1-BR rent: $925
  • Median 2-BR rent: $1,095
  • Walk Score: 67/100

The University District takes its name from the University of Utah. While it has a fair bit of students and medical professionals coming and going from day to day, this youthful niche has brought in a lot of great hangouts and events to the area’s residents.

Located at the foothills of the mountains, you can’t beat the scenery! Not only is it home to the Natural History Museum, but it also has all kinds of outdoor activities and parks to enjoy, too, like the famed Living Room hike. What you would expect from one of the best neighborhoods in Salt Lake City.

  • Walk Score: 41/100

Yalecrest is another one of Salt Lake City’s most treasured old historical neighborhoods. Often referred to as Harvard-Yale, these homes were designed with consistency in mind.

Keeping the same architectural motifs of period cottages throughout, there’s a continuity in the homes that’s pleasing to the eye while differing enough to keep you intrigued. It’s this reliability that makes it one of S.L.C.’s most historically well-preserved areas, thanks in part to its residents’ pride in the area.

Because of Yalecrest’s dedication to the original structures, there aren’t too many nonresidential buildings in the area, but the residents love the neighborhood’s charm so much they don’t mind going for a drive to get their groceries.

What’s the best neighborhood in Salt Lake City for you?

Whether you’re a teetotaler or a brewmaster, a golfer or a hiker, Salt Lake City has you covered. If you think you found your new neighborhood, be sure to check out current apartments to rent in Salt Lake City.

The rent information included in this article is based on a median calculation of multifamily rental property inventory on Apartment Guide and Rent. as of November 2021 and is for illustrative purposes only. This information does not constitute a pricing guarantee or financial advice related to the rental market.

Source: rent.com

Apache is functioning normally

Like many tech workers, Jing Guo and Gabriel Taylor Russ left Chicago during the COVID-19 pandemic in search of warmer weather.

“We were working remotely,” Guo says of their move to the Bay Area. “We thought ‘at least we can be outside.’”

However, a few months after settling in, the couple realized how difficult it would be to buy a home in San Rafael, where housing inventory is low and the median home price is around $1.4 million. “It was just too expensive,” says Russ, 37, a director of engineering for Ritual Wellness.

A tiny vestibule created inside the front door adds order.

(Mariah Tauger / Los Angeles Times)

Advertisement

It’s not like they were being picky, either. They didn’t want a modern house or something that was move-in ready. They simply wanted to find a house with character that they could make their own.

“Our dream was to own our own home and design it our way,” says Guo, 33, who works as a product designer for Two Chairs, a mental health company.

As self-proclaimed nomads — Russ is originally from Australia and Guo immigrated to Chicago from China when she was 12 — they decided to look in Los Angeles, where they could continue to enjoy the outdoors.

The Eagle Rock home before it was remodeled.

(Precision Property Measurements)

But they quickly learned that Los Angeles is no different from the Bay Area: When they bid on a home in South Pasadena, theirs was one of 63 offers.

“We were outbid by $200,000,” Russ says of the bidding war, shaking his head. “And we bid over the asking price just like everyone else.”

Advertisement

So when their real estate agent sent them a listing for a bungalow in Eagle Rock that needed work, the couple fell in love with the 1923 home’s Spanish architecture.

The quiet tree-lined street near Occidental College contributed to the bungalow’s charm. Although the listing described the house as needing “a little polishing” — a euphemism for remodeling — the couple saw great possibility. “I told our realtor while FaceTiming, ‘This is it!’” said Guo. “When you know, you know.”

The Eagle Rock house met the couple’s requirements: It had character, needed to be updated and had the potential for an accessory dwelling unit, or ADU, to add value to the property.

The ADU was designed to complement the main house’s Spanish architecture. Right, the one-car garage before it was turned into an ADU. (Mariah Tauger / Los Angeles Times; Precision Property Measurements)

The living room inside the ADU.

(Mariah Tauger / Los Angeles Times)

This time, their offer of $1,025,000 was accepted after only three others bid on the house.

Advertisement

When they saw the house in person, however, they realized how much work would be required before they could move in.

“We had to hire someone to rip out the urine-soaked flooring from the previous tenants’ cats,” Guo says, wrinkling her nose as she recalled the aroma. “But the only way we could afford to renovate the house was to live in it first.”

Architect Barrett Cooke added 100 square feet to the front of the house to enlarge the living room and brighten the interiors.

(Mariah Tauger / Los Angeles Times)

The narrow living room, before it was remodeled.

(John Christopher)

With temporary flooring in place, the couple moved in and learned there was no working heat. The kitchen range wasn’t functional. Cooking on a hot plate with renovations on the horizon, Guo says they felt like they were camping in the house.

After living in the house for a year, they hired architect Barrett Cooke of Arterberry Cooke to help them rethink the bungalow and turn the one-car garage into a tenant-friendly ADU on a budget of $230,000.

Advertisement

“The house needed some love,” Cooke said diplomatically, “but we worked with the existing details and tried to enhance what was already there.”

Cooke added an arch in the ADU in keeping with the main home’s Spanish architecture. Right, the custom-made front door of the main home. (Mariah Tauger / Los Angeles Times)

The kitchen and dining room of the main house open to a front porch that overlooks the park-like front yard.

(Mariah Tauger / Los Angeles Times)

Although living in the house before renovating it could have been better, it ultimately helped the couple rethink the interiors. “We realized the living room was too small and the lighting was bad,” Guo says.

When it came time to renovate the 1,258-square-foot house, the couple says Barrett and contractor Antonio Blanc stayed true to the footprint — with one exception.

“We added 100 square feet to the front of the house and raised the roof in the living room,” Cooke says. “That completely transformed the function of the house.”

Advertisement

Cooke also removed the wall between the kitchen and dining room to create an open living area and added skylights in the hallway, brightening the dark interiors.

The kitchen and living room of the ADU.

(Mariah Tauger / Los Angeles Times)

Jing Guo and Gabriel Taylor Russ chose simple, durable materials for the ADU’s kitchen.

(Mariah Tauger / Los Angeles Times)

A set of black aluminum-clad French doors off the dining room let in further sunshine and provide easy access to a new front porch.

“We wanted to orient the house so that their yard space was the front yard,” Cooke says. The porch maximizes the views toward the street and the front yard’s park-like setting. “People often want to connect the kitchen to the backyard,” Cooke explains, “but that wasn’t an option with a small yard and ADU in back.”

In a move that transformed the front of the house and added curb appeal, Cooke relocated the front door from the middle to the side, just off of the porch. She also installed arched doorways and windows that emphasize the home’s Spanish architecture.

Advertisement

In the open living area, European French oak engineered hardwood floors contribute to the home’s clean look. A vestibule with a bench and coat rack at the entrance to the living room adds order and feels like a private space.

The entryway of the ADU.

(Mariah Tauger / Los Angeles Times)

The bedroom of the ADU features room for side-by-side closets and a desk.

(Mariah Tauger / Los Angeles Times)

The bathroom in the ADU features simple subway tile. (Mariah Tauger / Los Angeles Times)

“I’m naturally anxious,” Guo says, appreciating the home’s soothing interiors. “I need a house where I can feel calm.”

When it came to transforming the one-car garage, Cooke designed the 480-square-foot ADU to correspond to the architecture of the main house with a similar roofline, red tile awnings and black aluminum-clad windows.

Advertisement

“It’s very clean and simple,” Cooke says. “The two structures play off each other quite nicely.”

Like the main house, Cooke raised the ceiling of the original garage to bring in more light.

Steps from a charming entry where guests can store their shoes, coats and laptops, the main living area has a living room and full kitchen with simple white subway tile and custom mint green cabinets.

The bedroom has enough room for a desk and plenty of storage courtesy of side-by-side closets. To accommodate long-term tenants, Cooke installed a washer and dryer in the pass-through bathroom, which connects the bedroom to the living area and kitchen.

Jing Guo and Gabriel Taylor Russ inside the kitchen of the main house.

(Mariah Tauger / Los Angeles Times)

Advertisement

The couple rents the ADU as a furnished midterm rental, which generally lasts three to nine months, for approximately $4,000 monthly. “We were always banking on the ADU for its earning potential,” Russ says.

Now that the finishing touches are complete, the couple loves the results: a character home that has been beautifully remodeled to honor its Spanish heritage and an ADU that covers their construction loan.

Over the last few years, the couple went from living in a construction zone in a new city with few friends to hosting Dungeons & Dragons game nights in their elegant, sun-filled dining room.

On a sunny day earlier this month, they took a break from their Zoom meetings and sat outside on their new patio.

As neighbors walked by and said hello, the couple discussed future home improvements, including landscaping, in the shade of a majestic Chinese elm in the front yard.

“I’m so excited to hang out here,” Guo says. “I still can’t believe we live here.”

The two homes exude peace and calm.

(Mariah Tauger / Los Angeles Times)

Advertisement

Source: latimes.com

Apache is functioning normally

Banana Republic is stepping further into the home products segment with the debut of its BR Home Collection.

The new assortment includes furniture for the bedroom, living room, and dining room along with selections of lighting and home decor. The new home furnishings following the launch earlier this year of the retailer’s home textiles assortment.

“At Banana Republic, we are driven by a desire for discovery and self-expression, representing a new way to outfit yourself and your home,” said Sandra Stangl, Banana Republic president and CEO. “We are committed to bringing exceptional quality, timeless design, and versatile styling to our customers as we determine how to best support their lifestyle.” 

The BR Home collection features three key expressions representing individual design aesthetics that can holistically coexist together for modern living.

  • Textured Modern invites the blend of the classic and contemporary, featuring clean lines, smooth finishes, mixed materials and minimalist aesthetics for an elevated look.
  • Classic Chic combines traditional forms with signature shapes and finishes that echo the past in contemporary light to give spaces a sophisticated and harmonious feel.
  • Explore is rooted in global influences that capture the essence of global artisanal craftsmanship and embroideries. Inspired by natural materials and organic elements, this line features earth tones and natural finishes for a grounded type setting.

“Whether traditional global handicraft, American heritage production, or small companies working in this era of maker culture, product craftsmanship is a Banana Republic legacy,” said Aaron Rose, chief commerce and experience officer for Banana Republic. “This dynamic collection celebrates the beauty of high-quality natural materials and skilled artisans, creatives, and those designers whose work reflects our brand values and allows us to support craftsmanship communities around the world.”

The BR Home collection is launching with four collections:

  • Stinson Collection: Each piece of upholstery is bench-made by master craftsmen in North Carolina and Virginia, and each frame is made with sustainably sourced hardwoods built to last. The hardwood-framed sofa features exaggerated armrests that offer durability, visual impact, and comfort, elevating its aesthetic appeal. It is a captivating and versatile addition to any living space, combining style and functionality. The Stinson sofa is custom-made and available in several configurations.
  • Marquis and Savannah Collections: These unique, contemporary, and modern dining collections were developed from the brand’s experimentation with European oak and the creation of depth and movement from textures and patterns in the grain. The use of large pieces of solid oak with simple organic shapes allows for an emotional attachment to nature and the primordial. The timber that is sourced for these pieces is part of the fabric of rural communities and sequesters huge amounts of carbon.
  • Atlas Moroccan Rugs Collection: Hand-knotted with the finest wool by different artisans in the Middle Atlas Mountains of Morocco, they create patterns for the modern home inspired by designs that are centuries old.
  • Phoenix Collection: Born from several collaborations with woodcarvers on the island of Java, Indonesia, these pieces combine finely hand-carved Java teak and mahogany door surfaces with simple and clean furniture shapes. The collection comes in two variations: stripe and organic diamond.
  • Nova Collection: Featuring hand-rolled, handmade clay beading, these emotional and distinctive chandeliers carry the fingerprints of the women making them. This striking collection is bound to be a beautiful focal point in any home.

The BR Home collection debuts with a dedicated website at www.brhome.com and will be in select U.S. stores by the end of September, including two new BR Home pop-up experiences in New York City and Los Angeles. Prices vary across the collection from $150 for vases to $195 for washed cotton sheet sets and $1,250 to $3,450 for dining furniture and sofas ranging from $2,650 to $4,950. 

Source: storebrands.com

Apache is functioning normally

Stop the presses — the new H&M furniture collection just dropped, and I’m already imagining each piece in my apartment. Truly, I wasn’t looking for new home decor,but a fall outfit inspo search unexpectedly led me to this wonderful news, and there’s no turning back now.

H&M’s furniture collection has an acute attention to detail and a commitment to contemporary decor that I absolutely love. Due to the minimalist nature of the collection, you’re sure to find furniture that pairs well with any mid-century modern pieces you probably already have. Plus, H&M made sure to include kid-friendly furniture that will help your little ones feel like they have their own fun space within your home. Here’s what on my radar for my apartment and growing toddler!

Wood and Glass Table Lamp ($43)

IMO, table lamps are non-negotiable. Whether you put one of H&M’s wood and glass table lamps in the foyer of your home or on one of the side tables in your living room, you’ll live for the stylish illumination.

Children’s Storage Bench – Green ($111)

Having a small child in your home often means you’re stepped over stuffed animals, crayons and toys. To help your child know exactly where to find their favorite toy — and avoid a meltdown — invest in this storage bench. Your late night runs to the bathroom will love the ease of not stepping on a small toy that sends shooting pain up your leg.

Children’s Desk – Green ($111)

If you’re a part of the remote work life, you’ve probably seen your little one try to mimic you working at your desk. The beautiful thing about gifting them with their very own desk is they’re more likely to draw on that than your walls.

Metal-frame Mirror ($137)

“Mirror, mirror on the wall…” comes to mind when I look at this metal-framed beauty. It’s the perfect piece to add to your living room or bedroom!

Plush Stool ($149)

I’m not sure how safe it is to add more light beige furniture knowing my toddler loves to roam around the apartment, but this plush stool is too good to ignore. It can be an accent piece or can be added to the far end of our sectional for a full chaise effect.

Mango Wood Side Table ($261)

This wood side table seems like it was designed for fall. It has a rustic farmhouse, yet still modern appeal that I think can work for anyone.

Wooden Folding Chair ($171)

I’m fond of rattan chairs because I grew up seeing them around, so I’m drooling over this wooden folding chair. It deserves a special place in my office for sure!

How do you feel about the new H&M furniture collection? Share your thoughts in the comments!

Header image via H&M

From Your Site Articles

Source: brit.co

Apache is functioning normally

Calling all leaf peeping people.

Nestled in the bosom of autumn’s embrace, there exists a symphony of colors awaiting an eager audience. For those who find enchantment in nature’s shifting hues, leaf peeping is a pastime as enthralling as it is ephemeral. Across the United States, cities cast their autumnal spell, inviting explorers to wander amongst fiery reds, burnished oranges and golden yellows that dapple the canopy of trees.

In case you didn’t know, leaf peeping, or foliage tourism, refers to the popular outdoor activity of observing and enjoying the vibrant and colorful displays of autumn foliage, particularly the changing leaves of deciduous trees. Enthusiasts often engage by taking leisurely drives, hikes or strolls through forests, parks and scenic routes to witness and appreciate the breathtaking natural spectacle.

The transitory brilliance of fall foliage beckons, creating a spectacle that both captivates and enchants. From East Coast towns nestled amidst mountainous splendor to Midwest cities flanked by vast forests, the stage is set for an awe-inspiring show of nature’s artistry. These cities offer not only a front-row seat to the spectacle but also provide an array of experiences and activities to complement the leaf peeping adventure.

Cape May heralds the arrival of autumn with a flourish of colors, transforming the landscape into an enchanting canvas of reds, oranges and yellows. The charm of this historic coastal town is elevated in the fall, as tree-lined streets and lush parks become an oasis for leaf peepers. Each tree seems to tell its own story, with leaves changing at their own pace, creating a dynamic display of nature’s artistry.

The serene beaches, usually the highlight of the warmer months, become a backdrop to the kaleidoscope of foliage, offering a unique blend of natural beauty that enchants visitors and locals alike throughout the entirety of the season.

What makes Cape May an exceptional destination for leaf peeping is not just the foliage itself but the town’s quaint, Victorian architecture that adds an air of nostalgia to the experience. The town’s picturesque setting, complemented by boutique shops, cozy eateries and the iconic Cape May Lighthouse, further enhances the appeal.

Thanks to its proximity to the Great Smoky Mountains National Park, Gatlinburg is a haven for leaf peeping when autumn descends. The mountains and valleys provide a vast canvas upon which nature paints a masterpiece each year. With a kaleidoscope of colors, the foliage creates a dramatic backdrop against the rugged mountainous terrain. It’s no wonder that Gatlinburg has earned a reputation as a top destination for leaf peeping, providing a vantage point to witness the grandeur of autumn in all its glory.

In Gatlinburg, leaf peeping is not just about the visual spectacle. The town itself adds to the charm of the experience with its cozy cabins, artisan shops and local festivals celebrating the harvest season. And of course, you can find Dollywood nearby and catch the sights from one of their thrill rides. Each corner of Gatlinburg holds the promise of a new discovery, a chance to immerse oneself in the culture of the region.

Stowe pops up as a leaf peeping paradise in the fall. The town’s forested mountainsides and scenic vistas are transformed by autumn’s palette. As the leaves begin to turn, the surrounding Green Mountains come alive with a dazzling display of nature’s artistry. Stowe’s picturesque landscapes, which range from meandering streams and lush valleys to rugged peaks, offer a multitude of vantage points for prime foliage tourism.

Stowe’s charm goes beyond the fall flora, extending into the town’s character and quiet yet lively nature. The quaint New England village, with its white steepled church and charming wooden buildings, complements the autumnal spectacle and adds a sense of nostalgia to the leaf peeping experience. The town’s local farms, artisan markets and cozy cafes provide a taste of Vermont’s culinary bounty, with creative delights always on display.

With its mountainous terrain and aspen groves, Park City is an underrated destination for leaf peeping when autumn rolls around. The town’s elevation and unique mix of deciduous and evergreen trees provide a canvas for a captivating display of fall colors. As the season progresses, aspen leaves transform from a shimmering green to brilliant gold, creating a stunning contrast against the deep green of the surrounding pine trees.

The mountainsides seem to be brushed with golden paint, and the reflection of the leaves in the waters of nearby reservoirs adds to the visual splendor. The scenic drives and hiking trails that weave through the Wasatch Range offer leaf peeping enthusiasts countless opportunities to immerse themselves in the beauty of the season, with every turn revealing a new perspective of autumn’s handiwork.

This former mining town has retained its historic charm while evolving into a world-class destination for outdoorsy types. As the fall colors take center stage, the town comes alive with festivals, art fairs and other community events that celebrate the season’s bounty.

Fayetteville is a hidden gem in the heart of Appalachia that becomes a sweet spot for leaf peeping when fall casts its spell on the landscape. The dense forests and rugged cliffs that surround the town display a mesmerizing mix of warm hues, creating a spectacle that captures the imagination.

The nearby New River Gorge serves as a dramatic backdrop for the shifting shades of the season. As the leaves begin to change, the gorge becomes a sea of color, drawing the eye to the undulating waves of foliage that blanket the hills. Leaf lovers can explore the winding trails that offer panoramic views of the gorge or take a scenic drive along the rim to witness the grandeur of nature’s transformation. If you’re brave enough, you can even take on the Gauley River whitewater courses, which start attracting tourists for several weeks following Labor Day.

Fayetteville’s charm as a leaf peeper’s delight is further enhanced by the town’s natural resources and welcoming atmosphere. As the leaves change, the town becomes a hub for outdoor enthusiasts who come to explore nature’s extreme sports or hike to see gorgeous views. The town itself provides a warm and welcoming setting for locals and visitors alike to savor the sights and sounds of autumn however they see fit.

Lewes stands as an unsung hero of the leaf peeping world. Its quiet charm and historic beauty are amplified by the fall foliage that adorns its oceanside streets and parks. Leaves of every imaginable shade flutter in the wind, creating a rustling symphony that mirrors waves crashing on beaches.

The world seems to slow down, inviting visitors to lose themselves in the colors that paint the town anew. Whether walking along the tranquil banks of the Lewes-Rehoboth Canal or exploring the nearby Cape Henlopen State Park, there is no shortage of opportunities for anyone looking to fall in love with the leaves while catching beachside views of Delaware Bay.

Come fall, time-worn brick houses punctuated by white picket fences provide a stark contrast to the vivid leaves. It’s as if the town has been draped in autumn’s finest attire. The simple pleasure of walking down the cobblestone streets, catching glimpses of crimson and gold, allows one to feel connected to the rhythms of nature. Another plus? It’s a 90-minute ferry ride away from our first destination on this list, Cape May.

With its panoramic vistas of the Blue Ridge Mountains, Clayton becomes a sight to behold as the fall season unfolds. The undulating hills surrounding the town are painted with a medley of miraculous colors, creating the perfect canvas for leaf peeping.

The nearby Chattahoochee National Forest offers an array of scenic viewpoints and overlooks, where leaf peepers can pause and soak in the breathtaking vistas. Whether it’s the reflection of the autumn foliage in the waters of Lake Burton or the panoramic view from Rabun Bald, Clayton’s natural beauty comes alive during the fall, making it a must-visit destination to see the leaves in peace.

Clayton’s Main Street offers a taste of true Southern living and adds a delightful layer to the leaf peeping experience. Fall festivals and farmers markets create a sense of community and connection, allowing visitors to explore the local culture and savor the flavors of the season. The combination of stunning natural beauty and local charm makes Clayton an undeniably unique destination for leaf peeping.

The mix of cottonwood, aspen and oak trees in Taos offers a stunning contrast against the backdrop of the Sangre de Cristo Mountains. As the leaves change color, the landscape transforms into a captivating palette of natural perfection, reflecting the warm tones of the surrounding adobe buildings.

Taos’s many scenic drives and hiking trails provide anyone looking to see the fall leaves with countless vantage points to capture the beauty of the season. The Enchanted Circle Scenic Byway, which loops around the mountains and valleys, offers breathtaking vistas of the changing foliage. Whether exploring the town’s historic streets or venturing into the nearby Carson National Forest, Taos presents a unique and awe-inspiring leaf peeping experience.

As the leaves change, Taos becomes a hub for art festivals, harvest celebrations and cultural events that reflect the region’s diverse heritage. Strolling through the town’s art galleries, exploring the Taos Pueblo or attending a local festival allows visitors to immerse themselves in the history and creativity of the region.

Bardstown’s sprawling distilleries and horse farms are evolved by autumn’s gorgeous display of colors. The winding roads that meander through the countryside offer leaf peepers the chance to immerse themselves in the season’s beauty, with every turn revealing a new creation straight from Mother Nature’s paintbrush.

The nearby Bernheim Arboretum and Research Forest provides a retreat for those seeking to explore the changing foliage on foot, with miles of hiking trails that traverse woodlands and meadows. Whether enjoying the view from a scenic overlook or taking a leisurely drive along the Bourbon Trail, Bardstown presents a leaf peeping experience that is as rich and nuanced as the bourbons that are crafted in the region.

From bourbon tastings and distillery tours to fall festivals and farmers markets, Bardstown offers a taste of Kentucky’s food and culture. Beyond that, the town’s historic buildings, quaint shops and inviting eateries provide a warm setting for those seeking to savor the sights and flavors of the season. Plus, it’s about an hour away from both Lexington and Louisville, Kentucky’s largest cities.

In Ridgway, the surrounding aspen trees that dot the slopes of the San Juan Mountains undergo a remarkable transformation, their leaves turning a brilliant gold that stands in striking contrast to the deep green of the pines and the rocky crags. The Dallas Divide, a scenic byway that winds its way through the mountains, offers a front-row seat to this spectacle. Whether taking in the view from a scenic overlook or hiking along the trails that traverse the Uncompahgre National Forest, Ridgway offers a leaf peeping experience that is as awe-inspiring as it is humbling.

Known for its role as the backdrop for classic Western films, Ridgway exudes a sense of authenticity and rugged charm that complements the beauty of the season. As the leaves change, the town becomes a hub for outdoor enthusiasts who come to explore the trails, go mountain biking or try their hand at fly fishing in the Uncompahgre River. The town’s many local businesses offer a taste of Ridgway’s culture and hospitality, providing an inviting setting for those seeking to savor the sensory delights of fall in Colorado.

A borough known for its urban vitality and cultural diversity, Brooklyn offers an unexpected yet delightful setting for leaf peeping. The tree-lined streets and parks that punctuate the cityscape become canvases for the hues of autumn, transforming the neighborhood into a burst of temporary color amidst the concrete jungle.

Prospect Park, designed by the creators of Central Park, offers a sanctuary for those seeking to immerse themselves in the beauty of the season. Whether strolling along the park’s pathways or pausing to take in the view from a bench, Brooklyn offers a leaf peeping experience that is as dynamic as the neighborhood itself.

From open-air markets and art exhibitions to food festivals and live performances, Brooklyn offers a taste of the city’s rich cultural fabric. The fusion of natural beauty and urban energy creates a unique setting for leaf peeping, allowing visitors to experience the magic of the season while exploring the rhythm and pulse of the city.

Peep the leaves in the perfect place this fall

And thus, as the leaves take their final bow, the symphony of colors draws to a close, leaving the observer in a state of enchantment. Leaf peeping, an activity celebrated by nature enthusiasts, artists and aimless wanderers alike, reminds us of the impermanent beauty that fills the world.

So pack your bags, grab your camera and step out into the world to relish the visual splendor that these cities provide. In the embrace of these autumnal landscapes, you are sure to discover the magic that dances in the leaves, find inspiration in the changing colors and revel in the ephemeral beauty that nature bestows.

It’s time to find your next apartment in one of the stunning cities listed above. Start your search here.

Source: rent.com