Revolutionize Your Design With These Easy-peasy Tips: December 2020

Monday, December 7, 2020

20 BTS Themed Gift Ideas

Table of Content

Bts Bias Pack perfekt für Kpop-Liebhaber und Armys
BTS TASSE
BTS SUGA Yoongi Dass Geburtstagskarte, Geburtstagskarte, Kpop Grußkarte, Punny Karte, lustige Karte, BTS Army Geschenk
JungKook Tshirt T-Shirt Vintage, Me and Myself Tshirt T-Shirt Vintage Top Fans Geschenk Kpop Tshirt ee Vintage
BTS Birthdays 2021-22 Sticker Flake Set

While I fully support wearing a shirt with BTS's faces plastered across the front, this option perfectly marries style and stan. Complete with a photobook, a photocard of a member, stickers, lyric cards, a message card, and so! This is the ultimate addition to a true fan's arsenal. Equal parts wanderlust vibes and total fan art, this is the perfect gift for anyone in your life (or yourself, obvi!). We may earn commission from links on this page, but we only recommend products we love. I have these earrings and I wear them all of the time!

And I always get compliments on them, from ARMY and not ARMY. Whatever gift you decide on, as long as it's a BTS-related product, your ARMY bestie or family member will absolutely love it. Commemorate BTS’ Love Yourself era with these earrings inspired by the group’s iconic album trilogy covers. The best part about these earrings is they’re super subtle, meaning only other ARMYs will get the reference. Rep BTS’ No. 1 single “Butter” with this unique, fan-made sweatshirt featuring silhouettes of all the members. One of the most enjoyable parts of a BTS concert experience is counting down the number of days leading up to it.

Bts Bias Pack perfekt für Kpop-Liebhaber und Armys

There are fourteen BTS figures in total, as well as seven BT21 figures, so finding one at your local Hot Topic, FYE, GameStop, or Barnes and Noble store shouldn't be a problem whatsoever. Depending on how much you want to splurge, you can either get a whole seven-pack of BTS or BT21 Funkos or you can just get an individual member or character. The boys are so cute when they're silly, and you can remind some of just how much by getting them these stickers. The stickers can be used to decorate a laptop, windows or whatever their purple heart desires.

Honestly, these would be cool even for the non-BTS fans in your life. On Etsy, you can get some inspired by all seven members of BTS. The ones below are based on the group’s BE era, and are only $7. These BTS dolls are multi-purpose because, not only can they actually be played with, but they also make perfect collectible items. When the weather outside is frightful, lounging around in one's favorite pajamas sounds like the greatest idea for a night in. The only thing that could make it better would be cuddling up to a BT21 pillow.

BTS TASSE

Here they're embroidered onto these colorful socks so you can see their adorable faces peeking out from your sneakers every day of the week. For the person who loses track of time daydreaming about BTS, this clock decorated with the Bangtan boys will become their new favorite bedroom decor. It's filled with photo cards of the boys, a BTS-branded lanyard and 12 button pins, amongst other small surprises. So, "Bring a friend, join the crowd" à la "Dynamite" and scroll on down to shop the best K-pop, BTS gifts and merch this side of Seoul. BTS' music is all about self-love, so treat your friend or family member to a spa day with these cool BTS Mediheal face masks.

Each package comes with socks, an official BT21 item, four fan-made accessories, a zippered canvas bag, and some bonus goodies. You can even send a message to the seller to send the gift directly to your special someone, so you don’t have to worry about mailing it yourself. Whether you're looking for something fun or practical, these items will make that special someone feel nothing but euphoria once they unwrap your gift. So, without further ado, here are the best holiday gifts for BTS fans this holiday season.

BTS SUGA Yoongi Dass Geburtstagskarte, Geburtstagskarte, Kpop Grußkarte, Punny Karte, lustige Karte, BTS Army Geschenk

BTS teamed up with Laneige for its second collab, and it's larger-than-life. The three-piece set features BTS-inspired packaging and fun scents of the brand's viral Lip Sleeping Mask, including Butter, Peach Iced Tea, and Sweet Candy. Get your friend a gift that’s totally unique with this handmade BTS music box. Each box comes with a different song and gorgeous illustrations on the cover featuring a gold foil and matte finishing. Gift wrapping is available for each order, so you don’t have to worry about packaging it. To see a preview of how the box works, check out this video on Madcheexy’s Twitter page.

BTS' skin is flawless, so if they're repping this product, it must be good. This BT21 mini-backpack is perfect for holding all those concert essentials, like the BTS Official Light Stick, a BT21 headband, and, obviously, your BTS concert tickets. Nitya Rao is an editorial intern at Seventeen where she covers pop culture, entertainment, beauty and fashion. Seventeen picks products that we think you'll love the most. We may earn commission from the links on this page.

Whether they're putting out a new album or giving it their all while on tour, BTS always has something special in store for their fans. Show your support and stan status this holiday season by getting the fan in your life these vibey BTS gifts. Looking for a good gift idea for the BTS lover in your life? Here are 20 gift ideas for the BTS fan in your life! Scroll through for the perfect BTS birthday gift ideas, cute BT21 line friends gifts and more. We kept off all albums, because otherwise this list would have been completely full with music.

It's possible to take the Bangtan Boys everywhere with this BTS-inspired travel mug. This insulated tumbler features a patchwork pattern inspired by all seven members. Pack this lil bb full of snacks, water, merch, and glow sticks at your next concert. This BT21 one is cute and comfortable and designed to pair well with any outfit. It also features a USB cord so you can charge up on the go. Cosmopolitan participates in various affiliate marketing programs, which means we may get paid commissions on editorially chosen products purchased through our links to retailer sites.

Review SOLO RIVER Hand Stand Mixer HRDDQ03WT, Andalan untuk Hasilkan Adonan Kalis

While you can always mark it down on your digital calendar or use a countdown app, nothing is better than physically crossing out the days one by one until the wonderful day arrives. Needs to review the security of your connection before proceeding. Free printable to tape to your door to let your family and friends know what you are doing during self isolation 💜. Seventeen participates in various affiliate marketing programs, which means we may get paid commissions on editorially chosen products purchased through our links to retailer sites. Choose your favorite member or get them all for the ultimate BTS shrine candle collection. There's no better way to listen to BTS than with these band-emblazoned wireless headphones.

So many people have AirPods these days, so if your friend has them, a case based on their favorite BT21 character would be perfect as a gift. Thankfully, these cases are available for both the first-generation AirPods and the AirPod Pros. The perfect BTS gift does not exi— For the BTS stan who's more subtle in their fangirling, these gorgeous plastic coasters feature your choice of the BTS or Army logos covered with glitter and flowers. Just when you thought the BT21 characters couldn't get any cuter.

BTS Birthday Party SUPPLIES

These little BTS song-inspired pins are the perfect addition to any bag or denim jacket. Proudly show off your love for the best boy band while repping your favorite song. BTS has an extensive line of merchandise, so the gift-giving possibilities are endless. The K-Pop superstars have everything from collectible figures and dolls to adorable plushies and stationery items. Not to mention, ARMYs are talented AF and create their own unique, custom-made products inspired by the group. Nothing cements one's pop culture status like being made into a Funko Pop!

Luckily, if someone in your life is a member of the BTS ARMY, gift shopping for them will be easy, because this list of the 15 best holiday gifts for BTS fans will help you narrow down your search. If you still have no idea what to get, try a BTS Mystery Box. Stylejjeoreo on Etsy sells various mystery boxes inspired by the group, including one centered around their Love Yourself album, as well as their “Fake Love” music video.

V BTS Rilis Lagu Cover untuk Kado Natal ARMY, Nama Berkasnya Bikin Fans Salah Fokus Surya co.id

Table of Content

I purple you
BTS Sticker - Scrapbook Sticker, Scrapbooking, Army, Gift Sticker, Bullet Jornal Sticker, Sammel Aufkleber, bts army
Bts Shirt, K-Pop Tee, BTS Fan Shirt, BTS Bangtan Boys Group Members, Korean Music Group Shirt, Jungkook, Jimin, Suga, J-hope
Bts Bias Pack perfekt für Kpop-Liebhaber und Armys
J-Hope BTS Vintage T Shirt, J-Hope BTS 90er Jahre Grafik T-Shirt, Vintage Shirt, Grafik T-Shirt
Bts birthday gifts
Bts Calendar 2023

I purple you

BTS Sticker - Scrapbook Sticker, Scrapbooking, Army, Gift Sticker, Bullet Jornal Sticker, Sammel Aufkleber, bts army

Bts Shirt, K-Pop Tee, BTS Fan Shirt, BTS Bangtan Boys Group Members, Korean Music Group Shirt, Jungkook, Jimin, Suga, J-hope

J-Hope BTS Vintage T Shirt, J-Hope BTS 90er Jahre Grafik T-Shirt, Vintage Shirt, Grafik T-Shirt

Sunday, December 6, 2020

Best Portable Vaporizers of 2014-2016

Table of Content

Arizer XQ2
ARIZER AIR MAX
Arizer Solo II Portable Dry Herb Vaporizer
Vivant Vleaf GO Dry Herb Convection Vaporizer
The Rise of Vaping Marijuana
What is the difference between convection and conduction?
DaVinci IQC

Another great brand and well known for their quality and testing check out V2 Cigs Series 3 Pro vaporizer. The Air MAX is the first Arizer vaporizer to feature a rechargeable lithium-ion battery, offering more than 2 hours of vapour. Its USB-C charging port – also for the first time on an Arizer vaporizer – allows you to charge it twice as fast as the previous models. Good-to-go in only 3 to 5 seconds, the Firefly 2+ offers almost-instant vaping. When you’re not inhaling, the chamber cools down rather swiftly, making sure no material is wasted. If economic vaping is your thing, this might be the perfect device for you.

DaVinci's creations tend to top the charts each year they are released. On the outside, the DaVinci IQ looks and feels amazing, each iteration becomes more futuristic than the last. The DaVinci is simple enough to use for those who have little experience with vaporizers, but is still powerful enough for use by experienced users. The Zirconia air path found within the vaporizer is built to help keep the vapor cool as it comes out of the vaporizer as this device has a relatively short vapor path. While it definitely does help in that regard and eliminates the need for a drawing tube, it aids in the production of thick, rich vapor as well.

Arizer XQ2

Making a decision when it comes to choosing the best device to enjoy your dry herbs can be difficult! After testing hundreds of different vaporizers, we’re rounded the Best Portable Dry Herb Vaporizers down to 10. If I were only going to be using the vaporizer for dry herb , I would go with the Volcano Hybrid, hands down. If I knew I would be using dry herbs and concentrates, the Ditanium would be my choice. The Plenty is NOT for someone wanting to be efficient with their herbs. But if you have access to a lot of dry herbs, then you’ll really love the smooth, taste, cool vapor quality of the Plenty.

With its new automatic screen inversion and almost fully customizable usability settings, it has never been easier to combine it to a vape bong and get the exact experience you're looking for. The PAX 3 keeps popping up on ‘Best-of’ lists and with good reason. Created to vape both herbs and concentrates, it is one of the most stealthy devices out there. It easily fits in your pocket or bag, and thanks to its sleek design, it won’t raise any suspicion whatsoever, just envy. With the Smart Paths, you can customise your vaping session in ways no other vaporizer can. The DaVinci app lets you choose precise temperatures that evolve over a defined period of time, so you can really enjoy your herb or concentrates your own way.

ARIZER AIR MAX

For the last few years, Hopper Labs’ Grasshopper weed vaporizer has taken up permanent residence in my backpack. Where the Gaia can effortlessly hide away in your palm, the Eden is somewhat larger—cylindrically shaped like a squat Highlighter, but the better performer for flavor and price. While the plastic construction probably isn’t for everyone, consider the ArGo if you’re looking for a flavorful flower vape that will slide into a pocket. Whether shopping for medical or recreational use, read on for our review of enduring classics, price-slashing alternatives, and under-sung innovations to get excited about. Vaping heats cannabis without burning or combusting the flower, allowing you to consume without smoking. The content provided on this website is intended strictly for informational purposes.

There is an indicator light for each of the different temperature options. The intensity of the vapor increases along with the temperature. This vape comes with a variety of neat features that makes it a fan favorite. It's the only desktop vape that comes with an air path made entirely out of glass, ensuring no other materials can adulterate the flavor of your herb because it will only touch glass.

Arizer Solo II Portable Dry Herb Vaporizer

This beautiful portable vaporizer kept the best features of its predecessor while adding some upgrades to make vaping a more pleasurable experience. The interior of the Vivant Ambit vaporizer contains an isolated air path for safe and pure vaping. The 1500mAh battery offers up to 10 sessions per charge, and the flip-out style mouthpiece allows easy and stealthy on the go sessions.

Or, if you are an extract fan, the Complete kit also offers a concentrate insert. If you want to make your herbs or concentrates last, this definitely comes in handy. Both stand out for build quality, better-than-average flavor at low temps, and an attractive design sense that you can take with you.

When you press the mouthpiece down, your draws will be even and smooth. Pushing it out clears the leftover ash without any cleaning hassle whatsoever. The piece is constructed with lightweight but durable aluminum alloy and stands only 3.6 inches tall.

DaVinci offers some of the most advanced and forward-thinking set of vape devices available, and we definitely couldn't go without one of their handheld vaporizers in our top 10. DaVinci premium vaporizers are known for their clean airpath and high-quality materials, as well as consistent and precise temperature control. A sleek, anodized aluminum and borosilicate glass cylinder offers five temperature settings, a porcelain heating chamber, and the ability to handle oils with an included steel pad. Arizer has a good track record, especially for dry herb vaporizers. The Extreme Q has been around for a few years now and is the go-to device for vapers on a budget who still want top performing features and a diverse range of options.

The Rise of Vaping Marijuana

Although it's small Arizer hasn't cut corners on their build quality too. This vaporizer feels sturdy and doesn't have the cheap plastic quality you get with other units. We love when vaporizers have swappable batteries and hope it becomes the standard. Most issues with vaporizers have to do with the battery, so being able to swap it is a huge bonus. It also allows you to get some extra batteries to keep it running for a long time. Just grab a charger that allows you to charge multiple batteries at once.

Not here with Linx’s line of truly portable, fashion-forward flower vaporizers. Meanwhile, as vape cartridge technology challenges the utility of the once groundbreaking flower vaporizer, these devices must shrink to compete and innovate to achieve new performance benchmarks. The device sends an even heat through your ground herb and the resulting vapor is collected in a plastic bag—which puffs up like a plume from your coffee table. The flavor is multi-dimensional and long-lasting, and the effect-delivery is efficient and potent.

You can also find alternative budget options and honorable mentions for at-home use. It also has a nightlight and sleep mode so you can find it in the middle of the night or make it go dark if you prefer a full dark environment. Besides, the smart timer also helps make a humidifying schedule effectively. Then, your tobacco or medication can be placed in the chamber to heat up.

First of all, you have to place the device on a flat surface before plugging it into the power outlet. Battery stats – As desktop vaporizers always rest on top of your table, the battery becomes an irrelevant feature to have. Convenience is an important thing to have in any electronic device. A convenient desktop vaporizer will have Bluetooth app support that will enable you to control the device from any part of your apartment. However, the device is unable to cook concentrates or waxes because the temperature ranges from 50 degrees Celsius to 260 degrees Celsius. There is a ceramic chamber that will add to the quality and flavor of the vapors.

Check out the Sublimator Adapt-A-Bong, The Herbalizer, the HerbalAire, any of 7th Floor's products, and the VapeXhale Cloud EVO. It's easy to throw in your pocket and fits perfectly in the grip of your hand.Just be careful because the mouthpiece can get hot after prolonged use. I’ve personally got huge hands so it disappears in my hands, but for any other user that's just picking this up right off the jump it feels comfortable. Users are going to love that you can just throw this in your bag, your pocket, even a purse on the go. The dotLeaf also includes some cool accessories in the box as well.

It is as discreet as any other Dr. Dabber device; however, this time, the manufacturer has focused on keeping the value intact and not just developing a compact device. A convection heating system keeps the air flowing consistently. The heating chamber is made of aluminum to keep the heating time shorter through metallic conduction. Where everything in the modern world is made portable to ensure convenience for the users, certain vaping devices are tailor-made for home-based smoking. Finding the best home vaporizer is not as simple as you think. Vaping, whether using a dry herb vaporizer or e-cigarettes, has become very popular in the last few years.

List of Top Ten Best Home Vaporizer Top Picks 2023 Reviews

Table of Content

Best Dual-Use Desktop Vaporizer
Top 10 Portable Dry Herb Vaporizers for 2021
Vapor Quality
STORZ & BICKEL VOLCANO HYBRID
Related products
Most Efficient Vaporizers for Herbs
Yocan Vaporizers - All You Need to Know

The IQ2 offers precise temperature control as well as DaVinci's classic Smart Paths, customizable through the DaVinci mobile app. The airtight, all-ceramic air path is made from zirconia in combination with a glass-lined oven to guarantee an incomparable flavour. The Xs GO is roughly the size of a lighter and retails for $69.

Though you might get slightly tastier vapor from an Arizer device or Boundless’s Tera, you’ll either be paying a bit more, trading metal for plastic, or sacrificing true pocket portability. Like Arizer’s Solo, Air, and follow-ups to those models, a glass tube is packed with herb and submerged into a heating chamber. Having basically given up my search for a portable flower vaporizer that does flavor without requiring concessions of usability, I was elated to try Arizer’s ArGo. Selling for a very competitive price, the ArGo is a truly portable flower vape that expresses herb in a satisfying, flavor-rich manner. The happy news is that you don’t have to sacrifice portability for flavor, or the other way around, in today’s market. Along the road to these contemporary achievements are options to satisfy your personal priorities, whether they be price, size, build quality, performance, or flavor.

Best Dual-Use Desktop Vaporizer

You don't even have to grind up the herb to use it, as Vapolution 3 Vaporizer is powerful enough to still evenly vaporize that herb in bud form. The design is simple and straightforward and is pretty nondescript if your houseguests don't know what they're looking for. The Life Saber is technically a handheld vaporizer, but it is still a home vape. It is not small or discreet enough to take out of the house by any means.

Made to vape both herbs and concentrates, the DynaVap VapCap 2021 ‘M’ is praised by experts as the ultimate device for those who consider themselves flavour chasers. If you’re all about flavour and you’re looking for a device that guarantees almost instant vaping, you can't go wrong with a VapCap ‘M’. Because the DynaVap VapCap ‘M’ 2021 doesn’t rely on complex electronics, it is one of the most affordable vaporizers we carry. All you need is a lighter, and you’re set for instant on-demand vaping at any time. Weed vaporizers can use conduction or convection heating—convection uses indirect heat , while conduction uses direct heat . The heating element uses a new type of heating system called induction.

Top 10 Portable Dry Herb Vaporizers for 2021

Surprising since it's been around probably for something a decade, no other desktop vape has came close to actually dethroning the Volcano as the best desktop vaporizer of all time. It's easy to use as it has an LCD screen and four buttons that control all of the other relevant features. If I was the type of person to have a study somewhere in my house, this thing would be where ever intellectuals would normally put a globe.

Another great desktop vaporizer is none other than the Vapir Rise 2.0. The best thing about the VapCap is that you don't need a battery, all you need is a butane torch. Other cheap portable vaporizers have poor battery life which can be an inconvenience. If you're out of battery you need to plug it in and wait an hour or two for it to be working again. Probably by that point, you've just smoked instead of vaporizing.

Vapor Quality

You will find convection heating in almost all the desktop vaporizers, while the heating element material might differ. We would recommend going with a device that has a ceramic or glass chamber to keep your vapors as pure as possible. These devices provide a better-developed interior and a durable body because the company has room to innovate. Unlike portable vaporizers, desktop vaporizers are not bound to compactness or battery life.

If you’re looking for a dual-purpose vaporizer you can take anywhere, the Furna is a rock-solid choice. The Furna features an anodized aluminum body that’s scratch-resistant. It’s operated by two buttons, one at the bottom and one on its side, next to the large digital display. It is extremely enjoyable teamwork that makes RevivalVape a great place to work. It is a passion that we share as individuals who are dedicated to the industry.

It's not like the Ghost MV1 where you don't need to stir it at all and it heats through the bowl completely. Firefly 2+ has a quick-charging dock, just like the Firefly 2. It just slides right in and then it gets to 80% battery in 20 minutes, which is very fast. Although it doesn't have pass-through charging like other vaporizers, like the Mighty+, but with charging that goes up to 80% in 20 minutes, its definitely makes up for it.

It utilizes induction heating for blazing quick heat up times and it has 25 different presets to choose from. The Switch has a powerful internal battery that provides hours of vaping time. Following on the heels of the well-received & powerful Evolve-D dry herb vaporizer, the Yocan Evolve-D Plus is bigger, better, and longer-lasting.

The ease of vaporization and the high quality of the construction makes it one of the best products available on the market. It comes with five additional atomizers when you first purchase it. If you are going to carry it with you, protect the mouthpiece. The Solid Valve is very durable and can be reused as long as you clean it regularly. The Solid Valve has a variety of balloon sizes available to work with it. The Easy Valve comes with a big size balloon and does not require any cleaning.

Perfect for using all day and leaving it to charge during the evening. With its updated USB-C charging socket, the Mighty+ now only takes 40 mins to reach 80% capacity. Users only need to carry a USB-C cable, instead of the traditional a/c power adapter having access to super-fast charging on the go, with less to carry. Users can now enjoy a unit that has one of the best battery life on the market as well as one of the fastest charging.

It now also vaporizes concentrates with included liquid pads. Powered by a combination of the highest grade lithium-ion battery and smart-chip technology, the Elite is a high-performance vaporizer that sustains battery life for extended use. The vape comes with a gift box so you can surprise your friends. This vape also features USB charging, which allows you to keep your device charged at all times. You can enjoy many puffs whether you are at home or in public with the 650mAh battery. Vape with dry herbs that are portable and best for overall use.

Without wasting anymore of your time, lets get into my favorite vaporizers for weed. Unlike virtually all other top 10 vaporizer lists you'll find, each of the vaporizers listed below is a product that I have actually tested myself. Every best herbal vaporizer has capabilities important to cope with weed and concentrates.

It offers an incredible amount of flavor and vapor and has an all-glass vapor path with a ceramic chamber to preserve flavor. A 10-foot power cable lets you wander or pass Life Saber Vaporizer around the room if you choose to do so. The Vapir Rise allows up to four people to vape at once, making it the perfect social, party vape. It comes with the ability to use it as a balloon bag vape or a whip tube. There are multiple fan settings, and the touch pad control makes Vapir Rise 2.0 easy to navigate through the settings. You can also enjoy precision temperature selection up to 420 degrees Fahrenheit.

Saturday, December 5, 2020

Using a home equity line as your down payment Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports

Table of Content

Home Equity or Piggyback Loan
Provide details to calculate your affordability
How Do I Calculate Home Equity
Home Equity Line of Credit
Freddie Mac Home Possible income limits
Can I Use A Home Equity Loan To Buy Another House
HELOC: Most homeowners don’t use them for this
Home Equity Loan Pros And Cons

Just keep in mind that, in some cases, sellers may need to pay taxes on some or all of their profit from the sale. To avoid taxes, you need to live in the home for at least two out of the last five years. Additionally, the exclusion is limited to $250,000 for single taxpayers and $500,000 for taxpayers who are married and filing jointly. Talk to your advisor about what to know when youre refinancing your home as each financial institution might treat these fees slightly differently. Learn about how to use the equity in your home, how to calculate it, and the pros and cons of using it.

Most lenders will cap the total amount at a percentage of the homes value. When your home equity loan closes, youll receive the full proceeds and can then spend the money to buy another house or do whatever you want with it. What you paid for your home a few years ago or even last year may not be its value today.

Home Equity or Piggyback Loan

Even if you have $300,000 in equity, the majority of lenders will not let you borrow that much money. If you transferred that debt to a home equity loan at 5.49%, on the other hand, things look totally different. With the same $300 monthly payment, you could pay off your debt in just 37 months and pay only $875 in interest. As we previously mentioned, home equity is the difference between the amount you owe on your mortgage and how much your home is worth. For example, if your home is worth $500,000 in today’s market and you owe $200,000 on your mortgage, youd have approximately $300,000 in home equity you may be able to borrow against. To get an accurate idea of your equity, you may need to get your property professionally valued.

You’d pay it back in fixed monthly installments over a set repayment term. If you prefer the stability of a fixed-rate monthly payment, you might consider a home equity loan to buy another house. The major risk of a home equity loan, as with a regular mortgage, is that it is secured by your home.

Provide details to calculate your affordability

However, you may have to pay several thousand dollars in closing costs, so you won’t walk away from the deal with the full 85%. You’ll also have to pay closing costs on the home that you’re buying. Like regular mortgages, home equity loans are secured by your home, so you will be putting it at risk if you’re unable to repay the loan.

can i use home equity loan for down payment

Since home equity loans are secured by the value in your property, they often offer the most competitive interest rate you’ll qualify for. The easiest and most consistent way to build equity is by making your regular monthly mortgage payments. You can also get more home equity if your home appreciates in value, but this is less reliable, since home values fluctuate over time. After all, some banks offer home equity loans with rates around 5%. If you transfer high-interest credit card bills to a home equity loan with a rate that’s less than a third of what you’re paying on your credit cards, you could save money and pay down debt faster. A home equity loan functions much like a mortgage where you’re provided a lump sum up at closing and then you begin repayment.

How Do I Calculate Home Equity

A home equity loan, also referred to as a second mortgage, is a loan against your home’s equity secured by the house itself. The lender determines how much money you can borrow, and funds are repaid during a specified term. Typically, home equity loans are paid out in one lump sum and feature fixed interest rates with equal monthly payments. A cash-out refinance pays off your current mortgage with a larger one based on the accumulated equity in your home. Of course, you’ll now have more debt and higher monthly mortgage payments. Today’s mortgage rates vary with market conditions, but the rate you’re offered also depends on the riskiness of your financial profile.

Still, at that point, the proceeds from the sale of any rental property you own could possibly pay off the reverse mortgage. Whether you are buying your first house, refinancing, or renovating to create the home you’ve always wanted — finding the right mortgage can be confusing. At McLean Mortgage, we are committed to guiding you every step of the way. We will help you consider all of your options by discussing your financing needs to create a clear path from finding the perfect house to getting the right loan that fits your needs. For everything you need to know about getting started, check out our comprehensive guide on what to expect through your Mortgage Approval Process. “I’m a first-time home buyer who knew next to nothing about the home mortgage loan process.

So the most appropriate home equity loan choice is likely to be a fixed-rate installment product with unchanging payments. Taking out a home equity loan or line of credit can be an excellent way to put your home's equity to use. The sooner you pay down your HELOC, the less money you'll pay in interest; however, initial payments billed to you might be interest only.

Youll also have to pay closing costs on the home that youre buying. The major advantage of using a home equity loan to buy a second home is that it may be your best significant source of funding if you find yourself house-rich but cash-poor. Another potential plus is that interest rates on home equity loans will often be lower than other forms of borrowing, though they are typically higher than interest rates on a mortgage. Keep in mind that each lender charges different amounts for home equity loan fees, and some lump multiple types of fees together. Some lenders even offer no closing cost home equity loans, which prevent upfront costs but can result in a higher interest rate for the life of the loan. A home equity loan can be used to pay off your current mortgage, but this only makes sense if you can get a lower interest rate than your current mortgage.

Take advantage of interest rates, end PMI, consolidate debt, or pay for a lifestyle change. VA mortgage calculatorUse our VA home loan calculator to estimate payments for a VA loan for qualifying veterans, active military, and military families. For a mortgage loan, the borrower often is also referred to as the mortgagor . The remaining premium is amortized monthly over the life of your loan, says Stockwell.

This might be useful if you need some cash now for a down payment and expect to need more in a year or two to make some renovations. However, HELOCs typically carry variable interest rates, making them less predictable than a home equity loan, which usually has a fixed rate. With VA loans, your monthly mortgage payment and recurring monthly debt combined should not exceed 41%. So if you make $3,000 a month ($36,000 a year), you can afford a house with monthly payments around $1,230 ($3,000 x 0.41). When owning a home, you pay annual property taxes based on the assessed value of the property or purchase price of the home, which can affect your affordability. Our calculator assumes a property tax rate by default, but you can edit this amount in the calculator's advanced options.

This is true unless you refinance or pay off your mortgage early. Note that on FHA loans with LTV ratios between 70% and 90%, MIP is required to be paid for 11 years. Before you take out a second mortgage, consider the risks to make sure this type of financing will work well for your situation. The best reason to get a second mortgage is to use the money to increase the value of your home. But if you compare the APR of an FHA loan to a conforming loan, you might find that its higher. This explains why many individuals refinance out of the FHA once they have sufficient equity to do so.

Home Affordability Calculator How Much House Can I Afford

Table of Content

Other ways to cover a down payment for a second home
Home Equity Loan: A Simplified Guide to Borrowing Against Your Home Equity
Chip In Extra Bucks
How much do you need for an investment property down payment?
Current Mortgage Rates by State

You need to document the terms of the home equity loan when you apply for your investment property mortgage. The process for paying down either a home equity line of credit or home equity loan is the same. Although some lenders will automatically apply the overage to your principal, don't assume this is the case. Let’s say you find a sweetheart deal on a second home or investment property but don’t have the money to make the down payment or do not want to wipe out your savings account. If you have enough equity in your primary residence, consider taking out a home equity loan.

If you work a full-time job and have limited home maintenance experience, sweat equity may not be the best way to get the home. A few examples as of area income limits for the program are as follows. Keep in mind that some locations contain multiple income limits, so check the exact address of the property for accuracy.

Other ways to cover a down payment for a second home

Here’s a quick guide to the basics of how home equity works and why it’s so valuable. S&P Index data is the property of Chicago Mercantile Exchange Inc. and its licensors. Experian websites have been designed to support modern, up-to-date internet browsers. If you are currently using a non-supported browser your experience may not be optimal, you may experience rendering issues, and you may be exposed to potential security risks. It is recommended that you upgrade to the most recent browser version.

When your old home sells, the proceeds will first pay off your remaining mortgage balance, then your home equity loan. When you pay off your mortgage, the HELOC would be paid off at the same time. For example, if you sell your house, then before you receive any of the proceeds of the sale, both your mortgage and your HELOC would need to be paid off first.

Home Equity Loan: A Simplified Guide to Borrowing Against Your Home Equity

Every month, you’ll make the same payment amount, which is a combined principal and interest payment, until your loan is paid off. In the first half of the loan, you’ll make interest-heavy payments and then principal-heavy payments in the second half — this is called amortization. You may be able to finance your investment property down payment with loans secured by assets other than your home. Some homeowners rack up too much credit card debt and turn to a home equity loan to pay it off. That's a great strategy—if the borrower plans to better manage their credit card usage and spending habits. If they continue their spending behavior, they might put their home at risk of foreclosure.

Lenders set your maximum home equity loan amount based on your home’s loan-to-value ratio. LTV is the percentage of your home’s value that’s financed by the loan you apply for. LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site . LendingTree does not include all lenders, savings products, or loan options available in the marketplace. LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site . A cash-out refinance is a mortgage refinancing option that lets you convert home equity into cash.

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Start by inquiring with your current lender and ask friends and relatives for recommendations. Once you decide, you’ll need to apply either online, by phone, or at a local bank branch, get your home appraised, then prepare for the closing . However, obtaining a home equity loan is not an action to take lightly. Using funds from a home equity loan to fund an extravagant lifestyle or pay for a luxury vacation that you could not otherwise afford can be risky.

To estimate your current LTV ratio, you divide the amount of money borrowed for your mortgage and any other loans secured against your property by the current appraised value of the property. Lenders use the lower of the propertys market value or appraised value to determine the LTV ratio. If you find yourself unable to make the payments on your home equity loan, the lender could foreclose on your home and evict you.

How much do you need for an investment property down payment?

The cost may vary depending on your location, type of coverage, any discounts you qualify for and your insurance provider. Generally, homeowner's insurance costs roughly $35 per month for every $100,000 of the home's value. You can edit the calculator's default amount in the advanced options. Learn more about the line items in our calculator to determine your ideal housing budget. FHA home loans are one of the most popular types of mortgages in the United States.

Major surgery requiring a long hospital stay, or lengthy rehabilitation, can rack up serious debt, even if you have health insurance. When life’s emergencies happen, a home equity loan can help you cover the costs. Home equity loans, secured by the subject property, are flexible, allowing you to use the funds as you like. Because equity is money that belongs to you, it’s fair to wonder, can you use equity to pay off a mortgage? To learn how much equity you have, subtract the remaining amount owed on your mortgage from the current market value of your home.

VA loans make home ownership more possible for borrowers than it otherwise would be through conventional mortgage loans, primarily because a VA loan does not require any down payment. Additionally, interest rates offered for VA loans often turn out to be lower than those offered for conventional loans. When you enroll in a biweekly payment program like this, you’ll pay 26 payments of half of your monthly mortgage. By the end of a year, you could pay the equivalent of one extra monthly payment that directly reduces the principal balance of your loan. For example, on a $200,000, 30-year loan with a 5% interest rate, you could save about $34,000 in interest payments and pay off your loan almost five years sooner. With a cash-out refinance, you’ll be borrowing against the equity in your home rather than relying on your credit.

If your home is worth that $200,000 sales price, you now have $20,000 of equity, or $200,000 minus $180,000. Based on the information you have provided, you are eligible to continue your home loan process online with Rocket Mortgage. As you pay down your mortgage, the amount of equity in your home will rise. Using your home equity for debt consolidation can be a smart move for a number of reasons. Using home equity to consolidate debt may not the right choice for everyone.

Find your Trusted Mortgage Advisor

Instead, your payments will only go toward paying your interest, property taxes and insurance. Eventually, you’ll need to pay a lump sum to pay off your loan principal balance. Since home equity loan lenders rely on your home’s current value to determine how much you can borrow, you might need to pay for an appraisal. If you have a lot of debt to consolidate, paying these extra fees might still make sense, but it’s wise to compare the fees you would have to pay with the amount you’d ultimately save in interest. The main reason why homeowners take out home equity loans to pay down their mortgage is that they think doing so will result in lower monthly payments. This can occur when interest rates have declined since they first purchased their home, meaning that the home equity loan would carry a lower interest rate than their existing mortgage.

Find out the conditions under which you can get a home equity loan tax deduction. You can use and reuse the credit line up to your credit limit and would only make payments based on the amount of credit you use, plus interest. You’ll first need to determine how you intend to use the home in order to qualify to buy a second home. A second home is a residence that you occupy for a portion of the year, such as a beach home or cabin.

Friday, December 4, 2020

Magazine Subscription Help

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Magazine Subscription Help
BRAND NEW Better Homes & Gardens Magazine Destination Home OCT 2022 FREE SHIP
How do I subscribe to Better Homes & Gardens magazine?
Vintage Better Homes and Gardens Magazine August 1964 Mid Century Design Decor Recipes Free Shipping
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Delivery time is estimated using our proprietary method which is based on the buyer's proximity to the item location, the shipping service selected, the seller's shipping history, and other factors. Delivery time is estimated using our proprietary method which is based on the buyer's proximity to the item location, the delivery service selected, the seller's delivery history and other factors. You can change your address via our online customer service center. Founded in 2009, the Sims Hilditch design practice has become one of the most trusted and respected in the industry.

A lover of al fresco dining, I'm always on the hunt for the best barbecues and pizza ovens for entertaining friends and family. I'm also a firm believer that everyone should have their own herb garden, and can often be found taming my over-zealous rosemary plant. I gained an appreciation and understanding of color, form, and composition in the design studio, creating surface patterns for the interiors industry.

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In 2015 I was asked to also look after Real Homes' predecessor Realhomesmagazine.co.uk and the Period Living website which has now found a new home on Homesandgardens.com. When I bought my first house seven years ago my love of interiors suddenly became a lot more hands on. It is an ongoing project but I have put our advice to good use, tiling a bathroom wall and converting my attic.

I'm houses editor for Homes & Gardens online, and homes editor for Period Living and Country Homes & Interiors magazines. I've been writing and editing features on interiors and gardens for nearly 30 years, starting out at Ideal Home magazine. I've also moved house quite a few times – totting up 10 homes in 12 years during a particularly nomadic time in my life.

BRAND NEW Better Homes & Gardens Magazine Destination Home OCT 2022 FREE SHIP

We have getting started guides, videos, how-to articles, troubleshooting tips, and more on OverDrive Help. Will usually ship within 1 business day of receiving cleared payment. To make a carved pumpkin last longer, soak it in a solution of 1 part vinegar to 10 parts water before you cut. Keep the top and stem intact and cut a hole at the bottom or back of the pumpkin for cleaning out and adding a light.

Kate Burnett is a journalist and editor who has been writing about residential design and architecture for nearly 20 years. A former acting executive editor of Homes & Gardens and Livingetc, she has written for national newspapers and magazines including the Financial Times, Evening Standard and Sunday Times. A trained designer, she has also worked with leading architecture and design practices including dRMM and Keechdesign.

How do I subscribe to Better Homes & Gardens magazine?

You can call Better Homes & Gardens using the customer service number above next to Better Homes & Gardens magazine cover for the number. Most calls will be answered Monday through Friday between 8am and 5pm EST. Each month, we celebrate the season with DIY decorations and craft ideas you can make at home. Here, download and print templates from Better Homes & Gardens magazine to create custom home accents and tabletop accessories. Printed gifts will arrive with the first issue of your magazine subscription.

I've been writing and editing interiors, design, decorating and lifestyle content for my whole career and I am utterly passionate about it. It spills into my home life, too, as I renovate projects with my husband George. Style-wise I am most comfortable in pared-back spaces, where a curated selection of pieces have room to breathe.

Vintage Better Homes and Gardens Magazine August 1964 Mid Century Design Decor Recipes Free Shipping

I did an interior design course and then landed a job on Homes & Gardens, before working on other mags such as Country Living, House Beautiful, Country Homes & Interiors and Ideal Home. I returned to Homes & Gardens in 2019, when I took on the houses editor role. En route to joining Homes & Gardens, I was a newspaper reporter, Editor of a regional magazine, and Editorial Manager for a travel company. I started at Real Homes in 2015 as Deputy Editor and then become Editor before taking on my current position, which focuses on video and events across all our brands, including Homes & Gardens. I love the textures and pared-back palette of Scandi interiors, but also like to experiment with colors inspired by nature, especially sea blues, foliage greens and sky greys. Before starting this position, I had completed various interior design courses at KLC Design School, as well as working across Ideal Home, LivingEtc, 25 Beautiful Homes and Country Homes & Interiors as an interiors writer.

Before joining Future, I worked as a News Explainer atThe Telegraph, following my MA in International Journalism at the University of Leeds. During my BA in English Literature and Creative Writing, I gained writing experience in the US while studying in New York. I also focused on travel writing during my time living in Paris, where I produced content for a French travel site.

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Please allow up to six weeks for delivery of your first subscription issue . Payment is non-refundable after the 14 day cancellation period unless exceptional circumstances apply. After your trial issues your subscription will continue at the price shown at the point of purchase. This price is guaranteed for the first 12 months and we will notify you in advance. The products in our buying guides are very carefully chosen by our journalists based on specialist expertise and rigorous in-house testing.

Five stars – these products are awarded an H&G Tried & Trusted Gold award, as are products awarded 4.5 stars. This star rating and award denotes an outstanding product in all of the above criteria. It is rarely awarded, although we do aim to review the best quality product possible and the various industries' leaders, to ensure you'll be buying the best products for your homes. Alex Temblador is a Mixed Latinx award-winning author and freelance writer based in Dallas, Texas. Her work in the home space has appeared in outlets like Real Homes, Dwell, Architectural Digest, Culture Trip, and Neighborhoods.com, among many others.

But we also conduct in-depth research into expert reviews, user reviews and ratings these products are given so that we can reflect not just our experience of the products we include, but yours, the consumers, too. The Homes & Gardens team is passionate about all subjects home- and garden-related. Together, we have many years of experience in the subjects and products that we write about, and use this hard-won expertise to bring you the very best finds for your home – from mattresses to blenders.

Leigh Clapp is a professional photographer with over 25 years experience, primarily as a garden specialist photojournalist but also with food and travel. She delights in exploring gardens, discovering the tiny elements to their overall essence and meeting lots of enthusiastic gardeners along the way. Inspired by the play of light, color and form, photography is an artistic expression and passion for capturing the frames she has always seen in the world around her. I have worked on Homes & Gardens with the ecommerce team since the start of 2021, bringing my background in technology and enthusiasm for interior design with me. I’m passionate about incorporating smart devices into the home without compromising on style, and my own interior design style has evolved over the years to reflect this. I work across the site on reviews and buying guides, offering expertise on all of the devices and gadgets that readers might want to try out in their space, all whilst hunting for the perfect smart speaker for every room of my own home.

This denotes a product our Editor deems to be noteworthy, high quality and utterly brilliant – but it is likely to be one that may not be relevant for a buyer's guide or a review or testing. It is also worth knowing that our buying guides display products at the best prices offered at that moment – we use technology to sort through the thousands of deals to offer the best prices from the most trustworthy retailers. You can support us by clicking these independently selected links, as we may earn a commission on any purchase you make, at no extra cost to you. Better Homes & Gardens is part of the Dotdash Meredith publishing family.

Its couture approach combines interior architecture, interior design and procurement management within one concept-to-completion, fully bespoke service. Creative Founder, Emma Sims-Hilditch is passionate about her belief that good design can transform not only how people live but also how they feel. By creating characterful, beautiful and intelligent interiors, Emma and the Sims Hilditch team empowers clients to radically improve the quality of their lives. Louise Roe is a journalist and TV presenter specialising in fashion and lifestyle.

Where to buy Better Homes & Gardens magazine as Harry Styles graces cover

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Where to buy Better Homes & Gardens magazine
vintage 1929 better homes and gardens magazine
May 1941 Better Homes and Gardens Magazine * Favorite Color Schemes * Homes for Newly Weds
Vintage Magazines, House beautiful, Building manual, Better homes and gardens 1950's, 1960's, 1970's ,descriptions below
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A little less than a year later, she started at Homes & Gardens as a Digital Writer, allowing her to fully indulge her love of good interior design. She is now a fully fledged food PR but still writes for Homes & Gardens as a contributing editor. Henriette studied at City & Guild of London Art Schools and gained a master’s degree at Sotheby’s Institute where she honed her appreciation and love for antique furniture and decorative design from 17th Century through to 20th Century. She was also very much involved in country house sales which fed her appetite for beautiful architecture of historical interest.

I am a nostalgic soul who is passionate about historic architecture and traditional craftsmanship. When I'm not writing about homes and gardens you'll find me pottering on my allotment, where I grows flower for styling my own home and interiors shoots. As editor of Period Living, Britain's best-selling period homes magazine, and H&G's sister title, I love the charm of older properties. I live in a rural village, so am lucky to be surrounded by beautiful homes and countryside, where I enjoy exploring. As well as editing Period Living, I also write weekly features on restoration and gardening for Homes & Gardens.

Where to buy Better Homes & Gardens magazine

You can find subscription expiration information on your mailing label. The sample, above, shows the location of the account number in yellow and the expiration date. You can get a huge discount of up to 70 per cent if 12 issues are bought together on Magazine.com for $14.99. The Watermelon Sugar singer is gracing the magazine’s latest cover and we will tell you where you can buy a copy. Harry Styles’ fans, who are curious about his forthcoming album Harry’s House, can find answers to a few of their questions in the June issue of Better Homes and Gardens magazine. You will never miss an issue again when you have Homes & Gardens magazine delivered to your home.

Deciding to move into interior design, Henriette studied at the prestigious Inchbald School of Design. On graduating she gained experience with leading interior designers including Stephen Ryan who had been head of David Hicks Design. She also had a spell in theatre design which enabled her to indulge her more flamboyant side and made her realise just how much she relishes any challenge. I made my first foray into writing about homes 10 years ago when I joined the Homebuilding & Renovating team as web editor.

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Natalia Miyar is one of the strongest international interior design talents to emerge in recent years. As a trained architect she approaches design with a skilful understanding of balance and proportion, creating spaces which are both considered and lively with a finely tuned eye for materiality. Her eponymous London atelier is a conduit for creative collaboration characterized by a confident and artful use of color, pattern and texture. With bases in London and Miami the fast-growing transatlantic team spearheaded by Natalia create effortlessly luxurious homes that are sought by a global stable of private clients favouring a client-faced approach. I joined the brand in June 2022 after completing my degree in English Literature and interning as a sustainability writer. My role at Homes & Gardens allows me to unite my passion for interiors and the outside world with my love of writing.

Hazel grew up watching and helping her green-fingered parents cultivate their town garden in North Yorkshire in the 1980s. She was especially spellbound by her mother’s long rose bed of Hybrid Teas, which spawned her own obsession with roses. After experience in the fashion industry, Hazel became a beauty and wellbeing journalist, and worked for The Ecologist as Green Living Editor. During a period of injury, she studied horticulture and garden design, and went on to work as a gardener and write about gardening for national newspapers, including The Guardian.

May 1941 Better Homes and Gardens Magazine * Favorite Color Schemes * Homes for Newly Weds

Having graduated with a degree in English Literature, I started my career as a features writer and sub-editor at Period Living magazine, H&G's sister title. Over the past six years, I have been learning all the intricacies of owning and caring for a period home from designing a luxury bathroom through to choosing the right windows for your old property. From here, I have honed my writing, developing interest in traditional interior design, especially kitchens. Writing for the Homes & Gardens website as a content editor, alongside Period Living and Country Homes & Interiors magazines, has also enabled me to write content focused around my interests, gardening and nature.

Vintage Magazines, House beautiful, Building manual, Better homes and gardens 1950's, 1960's, 1970's ,descriptions below

There I discovered my distinct eye and how to cater to different products to specifically targeted demographics. I continued working my way up the ladder, landing a role as an Editorial Coordinator at Penske Media Company, later leaving to join AMI as a Content Creator. There, I worked alongside all of their top-performing brands including U.S. In 2019, at the Awin and ShareASale's ThinkTank 2019 Network Awards, I took home the award for 'Content Strategy of the Year,' after a wildly successful partnership with Allbirds. Following all of that excitement – and joining Business Insider's team as a contributor – I exited the AMI brands and joined Homes & Gardens as their U.S.

Metal Garden Sign - Life is Better In The Garden

They’ve won awards for their work, which spans individual pieces for private clients, contract projects with public bodies and brands, and ongoing relationships with architects and interior designers. This gives them a broad understanding of how to bring beautiful design into useful, meaningful spaces, while having a positive impact on the natural world. It has grown to become one of the world’s most renowned and highly respected design studios and floral brands. Working with aspirational clients around the world, including Vogue, BAFTA, Christian Dior and the Victoria & Albert Museum, as well as an array of private clients.