Why Are Mortgage Fees Correlated With the Yield on Long-Term Treasury Bonds?

Why Are Mortgage Fees Correlated With the Yield on Long-Term Treasury Bonds?

The correlation between mortgage prices and Treasury bond prices is ultimately decided by where investors want to spend their cash. The structure of the mortgage system in the USA places mortgage rates in competition with the prices paid on U.S. Treasury bonds. The interest rate trends on Treasury bonds may be used to roughly predict the rate trends for fixed-rate mortgages. Function Most home mortgages, especially those covered by the Federal Housing Administration (FHA), are packed into mortgage pools and…

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Fall Decorating Ideas From a Designer to the Stars

Fall Decorating Ideas From a Designer to the Stars

Fall may be an awkward season to decorate for: The weather’s not fine enough to keep the paper lanterns out, but it’s too early to put up the Christmas lights. Instead of reaching into the grab bag at your crafts store, take this advice from designer to the stars Adam Hunter. Despite his glamorous customers, Hunter’s favorite fall decor concentrates on the natural beauty of this season (which just happens to be the most inexpensive route). Thinking about how you…

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Designing for Pleasure: Appeal to the Senses

Designing for Pleasure: Appeal to the Senses

After a space’s function is understood, what it will looklike is frequently the sole factor driving its layout — and that’s too bad. When we’re awake, our sensory systems are working full tilt, picking up data that affects our psychological experience. What things feel like against our skin, sound like and even smell like makes a significant difference in whether or not a space enhances our well-being or falls flat. A doctrine of style known as biophilic makes certain we…

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Mod Chic for a Midcentury Riverfront Home

Mod Chic for a Midcentury Riverfront Home

“With floor-to-ceiling windows facing the river, the home had me at hello,” says Courtnay Cousino. She grew up near Ohio’s Maumee river as a kid and had dreamed of giving her 5-year-old daughter, London precisely the exact same experience. Her 1950s riverfront home delivers on this, while sleek white marble floors and whitewashed walls allow brilliant midcentury furnishings and also the outside greenery really pop. in a GlanceWho lives here: Courtnay Cousino, daughter London and their Labrador, JimmyLocation: Northwest OhioSize:…

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Hodgepodge Happiness at a Santa Cruz Beach House

Hodgepodge Happiness at a Santa Cruz Beach House

The very first night Jennifer Hodges spent her 1950s Santa Cruz, California, beach house, she cried herself to sleep. These weren’t tears of pleasure or the result of sand in her eye. She was distraught. “All I found was work everywhere,” Hodges says. “Shag carpeting, darkened walls, paper-thin windows, all of the items that needed to be carried out. I wish I would have realized then what I know today: A house is an ever-evolving travel, and you need to…

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Tour a Pioneering Beach Town That Fosters Community

Tour a Pioneering Beach Town That Fosters Community

While the inhabitants of Seaside, Florida, is well below 5,000, over 1 million people have lived in this New Urbanist town since its start in 1981. This fact comes in Dhiru Thadani, a Washington, D.C., architect, urbanist and educator who served as a artist in residence in Seaside at 2011 — the exact same year he obtained the Seaside Prize, which recognizes “significant contributions to the quality and character of communities” From the huge publication Visions of Seaside (Rizzoli, September…

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Petroleum Vs. Gas Furnace Energy Use

Petroleum Vs. Gas Furnace Energy Use

Roughly 50 percent of energy used in the average home goes towards heating and cooling needs. Using less energy for heating and heat can create a dent in your energy bills and also reduce your impact on the environment. While heating oil includes additional heat per Btu than any other fuel, natural gas furnaces generally offer greater efficacy compared to those powered by petroleum, leading to lower heating costs and less pollution. Heat Content To evaluate energy use between oil…

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The way to Remove Scratches From Melamine

The way to Remove Scratches From Melamine

Laminate countertops are inexpensive and durable, making them a wise choice for builders on a budget. To earn laminate, manufacturers bond wood and paper together with leaf. 1 kind of leaf used for making laminate is melamine, a kind of thermosetting plastic. Should you accidentally scrape melamine laminate using a knife or other kitchen utensil, it is possible to fill it using specially formulated laminate repair paste. But it may be possible to fix the scratch without resorting to paste….

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The way to Apply Glaze to Painted Wood

The way to Apply Glaze to Painted Wood

Applying glaze to furniture and wiping it off with a rag simulates the look of wax accumulation and paint fading over time. Shabby chic-style fans can turn an unfinished hardwood chair right into a piece that looks like a family heirloom in no more time than it takes the paint and glaze to dry. Wash the furniture if you’re working on a slice that is not newly painted. Wipe it down with a damp cloth or sponge to remove dirt….

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The way to Use Window Units Rather than Central Air

The way to Use Window Units Rather than Central Air

Central air units are intended to function with your heat ports to provide cool air to every room in your home. Granted, you can switch off the registers to limit or halt the air from entering a space, but the central air unit will still be running at full power. Among the methods to work with a window unit, in this example, is to spot cool a room that’s occupied, but they can also save energy, be utilized for whole…

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