Amazonâs best-kept secret is out. VRSNL, (short for âversionalâ), has been quietly selling luxury fashion items since September 2019. A total of 30 designers are currently on the VRSNL roster, including Alexander McQueen, Balmain, Prada and Jimmy Choo. What distinguishes VRSNL is a section called âThe Remix,â which features original editorial content that tells stories behind the brands and designers. The retailer also has an app, which allows todayâs trendsetters to shop wherever, whenever.
The post Did You Know that Amazon Has a Secret Luxury Site? first appeared on Century 21Â®.
Year in and year out, we know the holidays are almost upon us when TV networks start airing Home Alone, the iconic family movie that has by now become synonymous with Christmas cheer. And while the first two Home Alone movies starring Macaulay Culkin are the clear fan favorites, the third one (written and produced by the same John Hughes that gave us the first two festive flicks) was deemed the least successful in the series — by far — and failed to make a lasting impression.
And that’s not because of the plot, cast, or setting, but rather the result of the ultra-high expectations created by the first two Home Alone movies, and the fondness audiences had for Macaulay Culkin (which refused to return for a role in the third one, despite popular demand). In fact, the plot of the third Home Alone was quite an elaborate — and downright frightening — one, seeing Alex Pruitt, an 8-year-old boy living in Chicago, fending off international spies who were seeking a top-secret computer chip that was hidden in his toy car.
Unlike a normal cat burglar situation â the first two movies featured petty thieves just trying to score a hit during the holidays, eyeing million-dollar-homes left unattended while the owners were celebrating elsewhere â Home Alone 3 is actually a matter of national security. With four thieves (said to be working for a North Korean terrorist organization) looking to retrieve the toy car/computer chip gifted to Alex by his unknowing neighbor, Mrs. Hess, the movie’s plot tackles a far more dangerous situation that the first two, despite the light way in which it is presented.
But there are two major things that all the Home Alone movies have in common: a clever, brave 8-year-old that will stop at nothing to protect himself and a beautiful Chicago-area home that acts as the ‘battleground’ of sorts where the bad guys get what’s coming to them. And since we’ve already covered the house in the first Home Alone movies, we thought I’d be the perfect time to do some scouting and find the one in the third movie too, especially since it’s no less beautiful.
The real-life house from Home Alone 3
While the movie’s storyline places it in Chicago, the house used in the third Home Alone is located in Evanston — a city 12 miles north of Downtown Chicago. According to ItsFilmedThere.com, the exact address is 3026 Normandy Place, Evanston, and a quick Google Maps search confirms that, showing us the exact same Pruitt family house we see in the movie.
According to real estate website Zillow.com, the Pruitt family home is worth a little over $1,000,000, with neighboring properties all selling for about the same amount — though admittedly, none of the other houses that line the street had a high profile movie credit in their property history. Nor did they have Hollywood A-listers on their grounds (just in case you forgot, the most famous cast member in Home Alone 3 was none other than Avengers star Scarlett Johansson, who played Alex Pruitt’s sister in the 1997 movie).
Just in case you were wondering, the house where Alex Pruitt’s neighbor — Mrs. Hess — supposedly lived is actually located next door, at 3025 Normandy Place.
More famous TV homes
Richie Richâs House is Actually the Biltmore Estate, Americaâs Largest Home The âFresh Prince of Bel-Airâ House Isnât Even in Bel-Air The Real-Life Homes from Modern Family â and Where to Find Them The Simpsons House Gets a Modern Day Makeover
The post Where’s the House from ‘Home Alone 3’? appeared first on Fancy Pants Homes.
Built with fire resistant building materials like steel, glass and concrete, this $5M home in Marin County, Calif. is a perfect example of what’s likely to become the new standard for million dollar homes throughout California.
An Upper East Side apartment that was once home to one of the most significant American cultural personalities of the 20th century has recently hit the market.
The Art Deco masterpiece at 895 Park Avenue was previously owned by famed composer and cultural icon Leonard Bernstein, whom music critics refer to as “one of the most prodigiously talented and successful musicians in American history”. In fact, this very property is where Bernstein — also a lifelong humanitarian, civil rights advocate, and peace activist — hosted an infamous âradical chicâ party with and in support of the Black Panther Party back in 1970.
But its famous past owner is not the building’s only historical trait; built in 1929, it is designed in the classic Art Deco style, evoking New York Cityâs golden age glamour and sophistication. That, paired with its carefully preserved original architectural details (original wood-burning fireplaces and wide-plank wood floors) and panoramic Manhattan views make this residence a true gem.
Clocking in at approximately 6,300 square feet, with an extra 700 square feet of private outdoor space, the 895 Park Avenue unit spans over two floors of the 21-story Upper East Side building. The entrance is through a private elevator landing which opens into a 34-foot grand gallery, further leading into the residence’s elegant formal living room, library, and dining room.
With 6 bedrooms and 6.5 bathrooms, the trophy apartment also comes with an enclosed solarium that’s bathed in sunlight and that, just like the rest of the rooms and outdoor spaces, opens up to picture-perfect views of the city.
A grand staircase leads to the lower level, which houses the 6 bedrooms, as well as a home office and laundry room. All but one of the bedrooms enjoys their own en-suite bathroom as well as significant storage space in the form of walk-in closets or dressing rooms.
The building itself adds an extra note of sophistication and convenience; the full-service white glove co-op has a long list of amenities, including multiple doormen, an elevator attendant, health club, squash court, basketball court, and private storage units. Though location itself may be its biggest asset: 895 Park Avenue is located right in the heart of the Upper East Side, on the southeast corner of 79th street and Park Avenue, providing direct access to world-class dining and shopping.
Priced at $29.5 million, the elegant unit is listed with Bonnie Chajet, Allison Chiaramonte, and Tania Isacoff Friedland of Warburg Realty.
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The post Trophy Apartment Once Owned by Composer Leonard Bernstein Asks $29.5 Million appeared first on Fancy Pants Homes.
âHearing colorsâ — I bet youâre all familiar with this expression already, but did you know that itâs actually a thing? Itâs a rare neurological condition called chromesthesia, which affects roughly 1 in 3,000 people.
For people with chromesthesia, listening to a certain genre or musical piece can automatically trigger different color visualizations associated with the sound.Â
Itâs obviously a rare condition, but for musicians, it can be an incredibly useful tool. Duke Ellington, Aphex Twin and Pharrell Williams are among those with chromesthesia. Pharrell actually stated: âI know when something is in key because it either matches the same color or it doesnât.â
Our friends at Home Advisor had their interest piqued, and they decided to put this rare gift to good use. They enlisted the help of two people with chromesthesia and had them listen to various Billboard chart songs from 10 different musical genres. They did this to see what colors each musical genre evoked, and whenever the two participants had matching colors, they were added to that genreâs color palette.
Consequently, Home Advisor came up with 10 different living room color palettes that match 10 music genres. If youâre a fan of one or more of these genres, then you can use this guide to decorate your home to match your musical taste. Check out the 10 palettes and genres below.
The two chromesthesia participants in the study listened to some rock songs on the Billboard chart, to see what colors popped in their minds.
The result is a rather dark and strong color palette, which includes chocolate-y and caramel-y tones, mixed with Champagne, Cream, and a bit of Smoke and Black.Â
Given that country music is all about wooden guitars, cowboy hats, ranches, saloons and chestnut horses, itâs no wonder that the colors evoked by this genre match that imagery.
The participants envisioned a living room featuring browny, earthy hues like Redwood, Tortilla, Laguna and Cream.Â
Pop music is usually a pretty accessible genre, so itâs only natural that this pop living room features a mix of prime colors, pastels, as well as metallic hues – something for everyone, basically. The pop palette includes Navy, Jade, Black, Abalone, as well as Jade, White and metallic Gold.
Keep reading: Everything We Know about Trevor Noahâs Apartment â the New Set of the Daily Show
The R&B room looks like it was designed by a qualified interior designer, thatâs how harmonius the selected hues are. The resulting color palette exudes coolness and chill-vibe-ness, featuring tones and hues like Charcoal, Champagne, Prussian, White, Pearl River, and a touch of Lime.
The rap room is definitely the showstopper in this list, incorporating various bold and bright colors (which is actually eerily similar to rapper Wiz Khalifa’s home in Los Angeles).
This eclectic result shouldn’t really come as a surprise, given that this musical genre also includes a mix of beats, samples and influences. This fun living room features bright hues like Blue, Jade, Lime, Fire, Red, Peach and Hot Pink.Â
The Latin room, unsurprisingly, bears resemblance to the R&B room, as well as to the rap room. This mash-up of pop, R&B, rap, salsa, tango, and so on, has resulted in a bright and vibrant color palette that includes Yellow, Cream, White and Pearl River.Â
This bubblegum-like color palette evokes the âcute and sexyâ image of this pop music trend originating in Japan. The palette features colors that normally wouldnât go together, but somehow they work, and the result is a colorful and young living room painted in hues like Red, Orange, Thistle, Silver and Amber.
The EDM palette is in a league of its own, for sure. The palette is incredibly vibrant and energetic, much like the musical genre it represents. You might say thereâs even a nightclub vibe to this living room, which features colors like Navy, Blue, Azure, Gold, metallic Mint, and Electric Purple.
SEE ALSO: 10 of the Most Stylish Minimalist Wall Clocks You Can Buy on Amazon
9. Lo-Fi Hip-Hop Beats
This lo-fi color palette works really well for a living room, and itâs really on trend with the pastel hues that interior designers are talking up this year. This easy listening music genre evokes gentle shades like Tea, Cream, Baby Blue, Laurel and Air Force.
10. Heavy Metal
This living room is the darkest, and most aggressive of all the rooms on our list. Thatâs right in tune with the music genre it represents, as heavy metal is loud, bold, and focused a lot on imagery — heaven and hell, hellfire, depths of darkness, leathers and metals, and so on. Consequently, this living room features dark, solid hues like Black, Charcoal, Denim, as well as blood-like hues such as Maroon and Mahogany.Â
There are obviously a lot more musical genres and sub-genres out there, so naturally this list doesnât cover every possible music taste. But, if youâre a fan of some of these genres and are looking to incorporate your music taste into your home decor, then this study by Home Advisor might serve as inspiration. Happy listening (and decorating)!
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The post Hearing Colors? Hereâs What Colors to Choose in Your Home Based on Your Taste in Music appeared first on Fancy Pants Homes.
Everyone needs extra money from time to time, and this doesnât change when you have bad credit. Unfortunately, your options become much more limited when you have bad credit. This makes it difficult to qualify…
The post How to Get a Loan with Bad Credit appeared first on Crediful.
Student loan consolidation and refinancing can help you manage your debts, reducing monthly payments, creating more favorable terms, and ensuring you have more money in your pocket at the end of the month.Â
But how do these payoff strategies work, what are the differences between private loans and federal loans, and how much money can consolidation save you?
Private and Federal Student Loan Consolidation
Federal student loan consolidation can combine multiple federal loans into one. Private consolidation can combine both federal loans and private loans into a new private loan. The act of consolidation can improve your debt-to-income ratio, which can help when applying for a mortgage and greatly improve your financial situation.
Which Loans Qualify for Student Loan Consolidation?
You can generally consolidate all student loans, including Federal Perkins loans, Direct loans, and other federal loans, as well as those from private lenders. You cannot consolidate private loans with federal loans, but you can consolidate them with other private loans.
What Should you Think About Before Consolidating Student Loans?
Consolidating isnât just something to consider if youâre struggling to meet current terms. In fact, private lenders often require a minimum credit score in the high-600s and youâll also need to have a stable income (or a cosigner) and a history of at least a few punctual payments.
Federal student loans are a little easier to consolidate and available to more borrowers, including those looking to qualify for income-based repayment or student loan forgiveness schemes.
In either case, it can reduce your monthly payments, making your loans more manageable.
How to Consolidate Private Student Loans
Some of the private lenders offering this service include:
The rate you receive will depend on your credit score and whether you opt for a variable interest rate or a fixed interest rate, but generally, they range from 3% to 8%. Each lender has their own set of terms and requirements, but theyâll often require you to:
Be at least 18 years old
Have no more than $150,000 in debt
Be the main borrower (not the cosigner)
Complete a credit check
The lender will run some basic checks to determine your creditworthiness before offering you a consolidation sum that will clear your debts and leave you with a single monthly payment. There are different types of private loan depending on whether youâre applying to consolidate just private loans or both federal loans and private loans.
If you only have federal loans, you should apply for federal student loan consolidation instead.
What Will I Pay?
The main goal of student loan consolidation is to reduce your monthly payment. If you have a strong credit score you can get a reduced interest rate and may even benefit from a reduced repayment term. However, as with most forms of consolidation, itâs all about reducing that monthly payment, improving your debt to income ratio and increasing the money you have leftover every month.
Shop around, consider all loan terms carefully, run some calculations to make sure you can meet the monthly payment, and compare repayment options to find something suitable for you.
Donât feel like you need to jump at the first offer you receive. A personal loan application can show on your credit report and reduce your credit score by as much as 5 points, but multiple applications with multiple private lenders will be classed as ârate shoppingâ, providing they all occur within 14 days (some credit scoring systems allow for 30 or 45 days).
How Federal Debt Consolidation Loan Works
Federal student loan consolidation wonât reduce your interest rate, but it does make your repayments easier by rolling multiple payments into one and there is no minimum credit score requirement either.
When you consolidate federal student loans, the government basically clears your existing debt and then replaces it with a Direct Consolidation Loan.
You can consolidate directly through the government, with the loan being handled by the Department of Education. There are companies out there that claim to provide federal student loan consolidation on behalf of the government, but some of these are scams and the others are unnecessaryâyou can do it all yourself.
You can apply for consolidation once you graduate or leave school and you will be given an extended loan term between 10 and 30 years.
Just visit the StudentLoans.gov website to go through this process and find a repayment plan that suits you.
What is Student Loan Refinancing?
Student loan refinancing is very similar to consolidation and the two are often used interchangeably. In both cases, you apply for a new loan and this is used to pay off the old one(s), but refinancing is only offered by private lenders and can be used to ârefinanceâ a single loan.
The process is the same for both and in most cases, youâll see âconsolidationâ being used for federal loans and ârefinancingâ for private loans.
Student Loan Forgiveness and Other Options
You may qualify to have your federal student loans fully or partially forgiven. This is true whether you have previously been accepted or refused for repayment plans and it can help to lift this significant burden off your shoulders.
Public Service Loan Forgiveness (PSLF): Offered to government workers and employees with qualifying non-profit companies. You can have your federal loans forgiven after making 120-payments. This program works best with income-focused repayment plans, otherwise, you may have very little left to forgive (if anything) after that period.
Teacher Loan Forgiveness: Teachers can have their federal student loans partially forgiven if they have been employed in low-income schools for at least five years. They can have up to $17,500 forgiven.
Student Loan Forgiveness for Nurses: Nurses can qualify for PSLF and this is often the best option for getting federal student loans forgiven or reduced. However, there are a couple of highly competitive options, including the NURSE Corps Loan Repayment Program.
There are also Income-Driven Repayment Plans, which is definitely an option worth considering.
Income-Driven Repayment Plans
An income-focused repayment plan is tied to your earnings, taking between 10% and 20% of your earnings, before being forgiven completely after 20 or 25 years. There are four plans:
Pay as you Earn (PAYE): If you have graduate loans and are married with two incomes then you may qualify.
Revised Pay as you Earn (REPAYE): Offered to individuals who are single, donât have graduate loans, and have the potential to become high earners.
Income-Based Repayment: If you have federal student loans but donât qualify for PAYE.
Income-Contingent Repayment: If you have Parent Plus loans and are seeking a reduced monthly payment.
These programs can greatly reduce your monthly payment and your obligations, but they are not without their disadvantages. For instance, they will seek to extend the repayment term to over 20 years, which will greatly increase the total interest you pay. If anything is forgiven, you may also pay taxes on the forgiven amount.
You can discuss the right option for you with your loan servicer, looking at the payment term in addition to your current circumstances and projected income as well as your student loan terms.
Conclusion: Help and More Information
Student loan refinancing and consolidation can help whether youâre struggling with federal loans or private loans, and there are multiple options available, as discussed in this guide. If you have credit card debt, personal loan debt, and other obligations weighing you down, you may also benefit from a debt management plan, balance transfer credit card, or a debt settlement program.
You can find information on all these programs on this site, as well as everything else you could ever want to know about federal student loans and private loans.
A Guide to Consolidating and Refinancing Student Loans is a post from Pocket Your Dollars.
Buying a home, especially if youâre a first-time home buyer, can be daunting and nerve racking.
But it does not have to be. LendingTree’s online loan marketplace has got you covered – at least when it comes to getting a mortgage.
A 2016 study by the Office of Research of the Bureau of Consumer Financial Protection reveals that prospective buyers who shop for a mortgage when buying a home for the first time report âincreases consumersâ knowledge of the mortgage market and increases consumersâ self confidence in their ability to deal with mortgage related issues.â
The importance of shopping for a mortgage as a first-time home buyer is that it saves you money in the long term and âreduces the cost of consumersâ mortgages,â the study found.
The home-buying process can be intimidating. So being aware of these mistakes when buying a home for the first time can help you save thousands and thousands of dollars in the long term.
Tips for Buying a Home
To guide you through a major financial decision like the purchase of a home, you may want to talk to a financial advisor.
Luckily, SmartAsset’s advisor matching tool can help you find a suitable financial advisor in your area to work with.
Get started now.
10 Mistakes to avoid when buying ahome for the first time.
1. Not knowing your credit score.
We are all aware that the higher your credit score, the better.
Yet, despite this fact, many people fail to check their credit score before
buying their first home.
And a low credit score can lead to a high interest mortgage loan, or even worse, a loan rejection. Given the fact that your credit score is the number 1 item mortgage lender looks at, it pays off to know where you stand.
Credit Sesame will let you know what your credit score is for free and monitor it for you. It will also offer tips on how to raise your credit score and reduce your debt.
Just sign up for a free account â it only takes 90 seconds.
2. Not shopping and comparing mortgage rates.
Mortgage rates and fees vary across lenders. In other words, two applicants with the identical credentials can get different mortgage rates. Despite this, however, many fist-time homebuyers fail to shop and compare mortgage rates before buying their first home.
The study reveals that 30 percent first time homebuyers do not
compare and shop for their mortgages, and more than 75 percent reported
applying for a mortgage with only one mortgage lender.
The study further reveals that âfailing to comparison shop for a
mortgage costs the average homebuyer approximately $300 per year and many thousands
of dollars over the life of the loan.â
An easy way to shop and compare for a mortgage is with LendingTree. Their simple and straightforward platform can help you find and apply for the right loan all in one place.
3. Sticking with the first mortgage lender you meet.
While itâs tempting to work with your local mortgage lender whoâs
only a few blocks away from your home, this decision requires more time. Take
time to meet with at least three mortgage lenders before picking the best match
Fortunately, LendingTree free online platform, allows you to quickly browse several mortgage rates with several mortgage lenders without visiting a dozen bank branches.
4. Not knowing what loans are available to you.
If you’re buying a home for the first time, one thing you need to address is what types of loans are available to me. Sometimes the answer to this can be quite simple: conventional loan. This is because most people know about this type of loan.
But conventional loan requires at least 20% down payment. And the credit score needs to be in the 700. *Note: You can put less than 20% down payment, but you will have to pay for a private insurance mortgage (PMI).
Sometimes it’s not feasible to come up with that type of money as a first time home buyer. So knowing if other loans are available to you is very important.
One type of loan that is popular among first time home buyers is FHA loan. It is so popular because it’s easier to get qualified for it. And the down payment is very little comparing to that of a conventional loan.
For example, FHA loans require a 580 credit score and a down payment as low as 3.5% of the home purchase price. This makes it easier to qualify for a home loan when you’re on a low income.
VA loans are another great option for first-time homebuyers. However, you have to be a veteran. Unlike a FHA or a conventional loan, VA loans require no down payment and no mortgage insurance. This can save you thousands of dollars per year.
So if you’re in market for a loan to buy your first home, you need to educate yourself about the different available loans.
Not All Mortgage Lenders Are Created Equally
When it comes to getting a mortgage, rates and fees vary. LendingTree allows you to view and compare multiple mortgage rates from multiple mortgage lenders all in one place and at the same time, so you can choose the best rates for your needs. LendingTree makes getting a loan faster, simpler, and better. Get started today >>>
5. Not getting pre-approved for a mortgage
One of the first time home buying mistakes you should avoid making is not getting a pre-approval letter. You can simply contact a lender and request it. The mortgage lender will pull your credit report to make sure you have the minimum credit score requirement.
They will also need your bank statements, W2s, recent income tax returns, pay-stubs to verify your employment and ability to afford the loan.
Why this is important? A pre-approval letter means that you’re a serious buyer. It signals that you’re able to commit to the house once an offer has been accepted. It also makes you more desirable than the other potential buyers.
Get a Pre-Approval for a Mortgage Today
6. Not knowing how much you can afford
Buying a home is probably going to be the biggest expenses you’ve ever made. But buying a house you cannot afford can lead to financial trouble along the road. Paying an expensive mortgage for 15 to 30 years on a low income can be hard.
So it pays to know how much house you can afford before you start searching for your home.
The best way to know how much house you can afford is to look at your budget. Take into account your expenses and income and other costs associated with owning a home.
7. Not knowing other upfront costs
If you think that the only cost to buying a home is a down payment, then think again. There are several upfront costs associated with owning a house. These upfront costs include private mortgage insurance, inspection costs, loan application fees, repair costs, moving costs, appraisal costs, earnest money, home association dues.
As a first time home buyer, this may come to you as a surprise. So, be ready to have enough money to cover these costs.
8. Failure to inspect your home.
Although some banks would prefer you inspect your home before they offer you a loan, it’s not mandatory. But that does not mean you shouldn’t do it. Not inspecting your home can cost you a lot. Inspection discovers defects that you may not know about. Inspection costs can be anywhere from $300 to $700.
Don’t be stingy with these costs. It’s better to find out about any hidden defects , like a faulty wiring and plumbing, than finding about them later. To avoid regretting your decision or having to spend thousand of dollars on repairs down the road, consider an inspector.
9. Failure to check out the neighborhood.
Just because the street or the neighborhood your potential house is located is quiet or is not run down doesn’t mean crime is not a problem. So before buying your home, you should check out the neighborhood. Take a trip at night to get a feeling of the environment. Talk to residents. Most importantly, check with the local police station – they can be a great resource when it comes to crime rates in a particular location. This is simply one of the first time home buying tips you shouldn’t ignore.
10. Searching for a mortgage on your own.
There are several mortgage lenders available to you. But choosing one that is right for you can be tough.
The LendingTree online platform makes it easy and simple for you to find the right home loan for you. Now you can get matched up to several mortgage lenders all in one place and at the same time. And the whole process just takes a few minutes.
Follow these steps to get matched with the right mortgage:
Go to www.lendingtree.com;
Answer a few questions regarding the type pf loan yo need and you’ll use it. Within a few seconds, you’ll see multiple, competing offers from several lenders;
You then shop and compare offers side by side.
Ready to get started? Find your best loan!
The bottom line is when it comes to buying a home for the first time, you should not take any shortcut. Doing so can cost a lot of money down the road. So before buying your first home, make sure you get the right mortgage loan, inspect the home, and have enough money to cover some of the upfront and ongoing costs associated with owning a house.
Speak with the Right Financial Advisor
Still looking for first time home buying tips? You can talk to a financial advisor who can review your finances and help you reach your goals (whether it is making more money, paying off debt, investing, buying a house, planning for retirement, saving, etc). Find one who meets your needs with SmartAssetâs free financial advisor matching service. You answer a few questions and they match you with up to three financial advisors in your area. So, if you want help developing a plan to reach your financial goals, get started now.
The post Buying a Home for the First Time? Avoid These Mistakes appeared first on GrowthRapidly.