Posted in fireplace remodel

Captiva model at Hill Tide Estates showcases interior by Theory Design

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BOCA GRANDE — Theory Design’s Vice President of Design Ruta Menaghlazi has created a spectacular interior design for Seagate Development Group’s furnished Captiva model that is now open for viewing and purchase at Hill Tide Estates, a 9.98-acre gated enclave on the southern tip of Boca Grande being developed by Seagate.  Theory Design was named recipient of a 2019 Aurora Award for the Captiva’s interior in the Best Interior Design of a Home Priced over $2 million category.  Seagate was presented an Aurora Award for the Captiva in the Best Single-Family Detached Home Over 4,000 Square Feet category.  Priced at $5,995,000 with furnishings, the Captiva is one of three

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Posted in home

Save on cookware, small appliances and more

Shop and save at Macy’s during the VIP Sale. (Photo: All-Clad / Macy’s)

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The countdown to Amazon Prime Day is on, but you don’t have to wait to start saving at Macy’s. Thanks to the store’s huge VIP Sale, which is happening now through Tuesday, October 6, you can take an additional 10%, 15%, 25% or 30% off select items and use the promo code VIP to score even bigger savings.

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You can get massive discounts on top-rated home, fashion and beauty products during this dynamite endeavor. For example, you could score an exquisite seven-piece All-Clad cookware set, originally $839.99, and on sale for $499.99, for $374.99 with the coupon code, … Read More

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Posted in home repair

Red Wing, Minn., college is home to elite program in musical instrument repair



a person talking on a cell phone: From top, instrument repair student Michaela Alderink fixed dents in a brass trumpet; pad cups of a flute need to be fixed; and guitar program student Glenn Coats built a fretboard. in the guitar program The pad cups of a flute are taken out to be fixed At 33, she is looking to make a career change.


© Star Tribune/Star Tribune/RICHARD TSONG-TAATARII • richard.tsong-taatarii@startribune.com/Star Tribu…
From top, instrument repair student Michaela Alderink fixed dents in a brass trumpet; pad cups of a flute need to be fixed; and guitar program student Glenn Coats built a fretboard. in the guitar program The pad cups of a flute are taken out to be fixed At 33, she is looking to make a career change.

RED WING, MINN. — The most intimate relationship a musician may have is with a precious instrument. And when that relationship breaks down, an elite group of students here can fix it.

At Minnesota State College Southeast, about 85 students are learning to repair musical instruments. Most of them choose from among three specialties: band instruments, violins and guitars (whose students also learn to build guitars).

It’s a rare chance to learn these special skills. Only three schools in the country offer band instrument repair,

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Posted in improvements

Improvements to funding system for voluntary groups set to be agreed

Proposals to change the way the council funds West Lothian voluntary organisations are set to be agreed.

The Voluntary Organisations Policy Development and Scrutiny Panel (PDSP) recommended that improvements be put in place to the way local organisations are funded from 2021/22.

This will now go to the Council Executive for final approval.

A working group was established between council officers and third sector representatives to develop a joint approach over a new funding model. 

The new approach is a mix of interim funding for areas of work that are part of transition to a commissioning or Service Level Agreement approach and direct grants available to local organisations focused on the key issues currently facing our communities.

Executive councillor for voluntary organisations, Kirsteen Sullivan, said: “The voluntary sector in West Lothian does a fantastic job, supporting the needs of our communities.

“This new approach to funding has been developed in

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Posted in home

Considering a home purchase in retirement? Here’s how to get a mortgage

  • While home prices continue to climb upward, the average interest rate on a 30-year mortgage is low by historical standards: just below 3%.
  • If your tax returns don’t show enough income to qualify for a mortgage, you might be able to temporarily tap your retirement account to prove you can afford the loan.
  • Another option may be to qualify based on assets in that account, or explore “pledging assets” to make the purchase.



a man standing in front of a building


© Provided by CNBC


If you’re retired and are thinking about downsizing or relocating, and it involves buying a home, you might want to look into how you would finance it.

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You may discover that qualifying for a mortgage is different from the last time you bought a house. Not only have lenders tightened credit during the coronavirus pandemic, retirees generally have left a steady paycheck behind.

It can be tricky for retirees to get

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Posted in kitchen remodel ideas

Kennedy: Ideas for repurposing those COVID-19 masks, from beard bibs to hamster hammocks

If your family is like mine, you probably have a stack of COVID-19 face masks.

We have a basket on a table near our back door that’s overflowing with throwaway paper masks, comfy cloth masks, super-safe KN95 masks.

There are masks with valves, masks made of fleece and masks with pleats. We have masks with filters that are not being used — too complicated. There are masks that anchor around your ears, and others with elastic straps that encircle your head.

At the bottom of our basket, I even found a seersucker mask — which would be perfect on days that I decide to dress like Atticus Finch.

Our mask stockpile is sufficient for the foreseeable future.

Which brings me to today’s topic: How will we repurpose all these masks once the pandemic is over? We shouldn’t just toss them out.

This repurposing occurred to me last Sunday driving home

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Posted in home

How to get a mortgage when considering downsizing in retirement

kali9 | E+ | Getty Images

If you’re retired and are thinking about downsizing or relocating, and it involves buying a home, you might want to look into how you would finance it.

You may discover that qualifying for a mortgage is different from the last time you bought a house. Not only have lenders tightened credit during the coronavirus pandemic, retirees generally have left a steady paycheck behind.

It can be tricky for retirees to get a mortgage, said Al Bingham, a mortgage loan officer with Momentum Loans in Sandy, Utah.

“You can have a lot of money but show very little income and have difficulty qualifying for a mortgage,” Bingham said. “It frustrates a lot of them.”

More from Personal Finance:
Congress caps Medicare Part B premium spike for 2021
Medicare beneficiaries may get $200 to help with drug costs
How to be a better investor through the

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Posted in contractions

Bank credit growth slows again in July, but consumer credit is officially in contraction

Consumer debt is down sharply because consumers have been borrowing less and have been paying down lots of debt. Since March, consumers have been borrowing between $20 and $15 billion CAD each month, but they’ve been paying down between $20 and $25 billion CAD each month at the same time. In July, we see that consumer credit issuance is down over 11% from the same time last year, but credit destroyed (or paid down) is down only 8%.

We’re seeing a similar thing happen in the business credit market. Businesses are borrowing less and have substantially increased their debt repayments. In July, credit issuance was down over 5% from the same time last year, but credit destroyed up is over 20%! If this trend continues, the bank business credit market will be in contraction before the of the year. This will have profound implications for the labor market.

Finally, all

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Posted in lowe's home improvement

Lowe’s Gains From Home Improvement Business & Online Sales

Home renovation and maintenance activities have been gaining prominence lately, thanks to increased stay-at-home practices amid the coronavirus pandemic. The trend has been benefiting certain home improvement market players, including Lowe’s Companies, Inc. LOW. This apart, the company’s efforts to expand digital offerings is worth appreciating. These upsides were well-reflected in the company’s second-quarter fiscal 2020 results, with the top and the bottom line improving year on year. Let’s dig deeper.

Bright Prospects in Home Improvements Market

Growing inclination toward home improvement projects is quite visible in Lowe’s second-quarter fiscal 2020 results. Comparable sales (comps) for the company’s U.S. home-improvement business increased 35.1% in the second quarter, following an increase of 12.3% in the first quarter.

In the reported quarter, comps gained from sturdy project demand from DIY and pro customers across channels, product categories and geographies. It saw comps growth of more than 20% across all its merchandising divisions,

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Posted in home remodeling

Make the most of your home improvement dollars | Suburban Life

Home improvement projects provide homeowners with a chance to put their own stamp on their homes. In addition, many such projects make homes safer and, in some instances, more eco-friendly.

The opportunity to make a home more comfortable, safer and/or more eco-friendly entices many homeowners to open their wallets. In fact, the Home Improvement Research Institute estimates that the home improvement products market will grow by more than 5% in 2018.

Homeowners might experience some sticker shock when researching home improvement projects or receiving estimates from contractors. But there are ways for budget-conscious homeowners to transform their homes and still make the most of their home improvement dollars.

• Do your homework. Each year, Remodeling magazine publishes its “Cost vs. Value Report,” a comprehensive study of 21 popular remodeling projects in 149 United States markets. The report notes the value each project retains at resale in 100 markets across the

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