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Apartment Therapy
Thu, 17 Jan 2019 13:45:00 -0500

When two of the most popular home building trends collide, you can expect nothing less than stellar results. Guaranteed to put stars in your eyes is this absolutely charming two-story shipping container house from CargoHome. Its stylish tiny digs are roomier than your typical micro home, plus it smartly incorporates the perpetually cool concept of upcycling shipping containers into its chic living spaces.

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Thu, 17 Jan 2019 13:30:00 -0500

Checking your credit score regularly is smart, especially if you're planning to buy a home. You shouldn't have to pay for a monitoring service to help you keep your credit on track, either. Fortunately, you can choose from a variety of free credit score sites and apps to keep tabs on your numbers. But with so many options, which is the best?

By law, you're entitled to view your credit report once a year on annualcreditreport.com—but that report doesn't include your credit score itself. So if you're hoping to quantify your credit report, you have two major options for getting a free score: credit cards (and their associated banks) and third-party apps and websites. But not all options are created equal—some may pull FICO scores while others will offer Vantage scores. So what's the difference?

FICO is the most widely-used credit score by lenders and was invented in 1989 as a way to standardize credit reports in the financial industry. Vantage came along in 2006, and was created by the three major credit bureaus (TransUnion, Experian, and Equifax) as a competition score to FICO.

"They both rely on slightly different models to create the score," says Stephanie Bousley, a financial consultant and author. "For example, FICO treats all late payments the same, VantageScore judges them differently—it penalizes late mortgage payments more harshly than other types of credit."

To make things even more complicated, each credit bureau processes and provides the score independently of each other. This means that there will be some variation in your score depending on which agency reports it. Sometimes which agency your future lender chooses can make a big difference when you're applying for a loan.

"Most prospective lenders customize whatever scoring models they use to better suit their specific needs, whatever they are," Bousley says. So she advises that any scores you see on free sites should be taken with a grain of salt: "Nowhere can you buy a score online, take it to the lender, and expect the lender to use that score for your application. So any paid or free online credit score will really just give you one version of the information and it's not necessarily the same version whoever evaluating you is using."

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Biz Journals
Thu, 17 Jan 2019 13:44:48 -0500
The charitable group over the Triad’s Wyndham Championship has purchased a million-dollar home at Sedgefield Country Club, envisioning the property as a hospitality or similar venue that positions the golf tournament for future expansion and amenities. A deed recorded Jan. 8 shows that the Piedmont Triad Charitable Foundation purchased the home at 5400 Dorchester Road from Sandy Dean Freeman for $1,045,000.  “We bought this house to provide room for our PGA TOUR event to grow,” Tournament…
Thu, 17 Jan 2019 13:10:17 -0500
Interest rates, affordability, oil prices and inventory will continue to be issues of concern for homebuyers, developers, builders and sellers alike.

autos.msn.com
Wed, 31 Dec 1969 19:00:00 -0500
All that power makes a whole lot of noise. Glorious, glorious noise.
Wed, 31 Dec 1969 19:00:00 -0500
U.S. News’ Best Cars of 2019
bostinno.streetwise.co
Feed Burner
Tue, 15 Jan 2019 08:00:15 -0500

The idea of turning a dark terrace home in the suburbs of a bustling Aussie city into a modern home fit for its contemporary owners is nothing revolutionary in itself. But with the Imprint House in Alexandria, you have the added constraint of limited space, which makes the task ever harder. To get around these […]

You're reading Sustainable Architecture and Space-Savvy Design Transform This Small Aussie Home, originally posted on Decoist. If you enjoyed this post, be sure to follow Decoist on Twitter, Facebook and Pinterest.

The idea of turning a dark terrace home in the suburbs of a bustling Aussie city into a modern home fit for its contemporary owners is nothing revolutionary in itself. But with the Imprint House in Alexandria, you have the added constraint of limited space, which makes the task ever harder. To get around these impositions, Anderson Architecture turned to sustainable architectural practices and space-savvy design ideas; a combination that has completely altered the aging and dreary old residence. With a new, second-story rear extension, space was enhanced and improved while the lower level floor plan was changed to give the interior a more vibrant appeal.

New rear second level extension adds space to the small house

With the new floor plan, the living area with kitchen and dining now sits at the rear and opens up to the small backyard. Space underneath the stairway has been turned into storage area and a tiny reading nook with a view of the world outside. Move above and you have the bedrooms on the second floor that feel spacious and well-lit. Taller ceiling on the lower level along with better ventilation also altered the mood of the interior considerably with planet-friendly additions making a big impact. Smart, stylish and eco-sensitive, this is a home that makes most of its limited resources. [Photography: Nick Bowers Photography]

RELATED: Space-Savvy Italian Home Delights with a Nifty Mezzanine-Level Bedroom

Tiny reading and sitting nook under the stairway
Bright and light-filled bathroom in white with wooden medicine cabinet
Gorgeous green backsplash for the kitchen in white and wood
Increase in height and smart shelving alter the interior of the house
Making use of the space under the staircase in more ways than one
Overhang created by the rear second-level additions provides shade to the tiny backyard

To make the home more comfortable in winter, we installed environmentally friendly hydronic heating through the new parts of the house and hydronic radiators to the old parts, fuelled by energy and cost efficient electric heat pumps. Provision for future solar panels was incorporated into the design of the roof, and a 2000L rainwater tank supplements the household’s water demands.

RELATED: Modern Timber and Glass Extension Revamps Elegant Aussie Home

Revamped home in inner suburbs of Sydney with a rear extension
Space-savvy design and smart storage units transform the interior of this relatively small Aussie home
First floor plan of the revamped terrace house in Sydney
Ground floor plan of the Imprint House

You're reading Sustainable Architecture and Space-Savvy Design Transform This Small Aussie Home, originally posted on Decoist. If you enjoyed this post, be sure to follow Decoist on Twitter, Facebook and Pinterest.