Cheap House Spending

David and Victoria Beckham were, apparently, in need of a bigger boat. The power couple reportedly upgraded their $6.5 million, 100-foot-long yacht, the Riva Argo 90, to a $20 million Italian superyacht, the Riva 130 Bellissima. 130 feet long with a volume of 299 gross tons, the 2022-built structure boasts plenty of space for the A-list family to sprawl out. The pair were photographed last week…

In the film Fight Club, Tyler Durden says, “Advertising has us chasing cars and clothes, working jobs we hate so we can buy [stuff] we don’t need.” Yeah, Durden is right. Not a one of us needs a pricey pair of eyeglass frames — or logo’d handbags, shoes, and trench coats for that matter. But we might want them, just the same. The daily challenge for a budget fashionista is deciding which pieces…

Complex patterns of motion emerge when water drops condense on an oiled surface. A more efficient way to capture fresh water from the air could be inspired by a phenomenon of motion first glimpsed in bowls of breakfast cereal. KAUST researchers have observed that, when water droplets condense from the air onto a cold surface coated with oil, the droplets commence a complex dance. This motion —…

Mortgage Q&A: “Does the Fed control mortgage rates?” With all the recent hubbub concerning mortgage rates, and the Fed, you might be wondering how it all works. Does the Federal Reserve decide what the interest rate on your 30-year fixed mortgage is going to be? Or is it dictated by the open market, similar to other products and services, which are supply/demand driven. Before getting into the…

The book is the latest in the Time Honored Architectural Conservation Documentation series. This book is the latest in the Time Honored Architectural Conservation Documentation series, which surveys architectural conservation history and practice in various world regions. Previous volumes have been: Architectural Conservation in Asia: National Experiences and Practice by John H. Stubbs and Robert…

Applications of AI in Southern Africa are in their early stages. Many pilot projects and technology-driven business models demonstrate the potential for AI to benefit underserved populations, better connect local communities and international technology firms, and improve lives. Executive Summary Artificial Intelligence (AI) has rapidly become a constant in most people’s lives through its…

KBRA assigned a rating to a new series of servicing-related term notes from a master trust issuer at Freedom Mortgage this week in line in a Ginnie Mae market that’s drawing more focus. The series 2024-SAT1 notes from FMC GMSR issuer trust are backed by certificates that represent participation interests in Ginnie Mae mortgage servicing rights. Interests include servicing income and the right to…

A ‘For Sale’ sign is posted on the lawn in front of a home on March 15, 2024, in Miami, Florida.  Joe Raedle | Getty Images The usually busy spring housing market is underway, but mortgage demand isn’t moving. Application volume was essentially flat last week, dropping 0.7% compared with the previous week, according to the Mortgage Bankers Association’s seasonally adjusted index. The average…

Spring cleaning isn’t just for sweeping behind the fridge, shampooing the carpets, or clearing out the garage. Depending on what’s going on in your life, your budget might also need some attention this season.  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ Photo by Towfiqu Barbhuiya from Unsplash Life changes. Your budget should too. Spring cleaning isn’t just for sweeping behind the fridge, shampooing the carpets,…

Hitendra Wadhwa, professor of practice at Columbia Business School and founder of Mentora Institute, teaches the university’s most popular class on personal leadership and success — two topics that most business students are eager to learn more about. That much was clear on the rainy January day when I sat in on the afternoon session of Wadhwa’s course; despite the dreary weather, the energy was…

In the world of mortgage lending, a success story emerges that defies conventional limitations and showcases the resilience and innovation of industry professionals. Such is the case with MortgageDepot’s recent triumph in facilitating a DSCR loan for a retired borrower purchasing a multi-family property in Poulsbo, WA, despite not being licensed in the state.  At the helm of this remarkable…

It’s hard to believe, but prior to its recent transformation, this Glebe terrace offered little street appeal. The 1860s Sydney house was rundown and dominated at the rear by tall brick walls from larger neighbouring homes that blocked light to the property. David Boyle Architect was engaged to inject more natural light into the home, and a sense of spaciousness not normally associated with…

The judging process for Architizer’s 12th Annual A+Awards is now away. Subscribe to our Awards Newsletter to receive updates about Public Voting, and stay tuned for winners announcements later this spring.    It’s a chilly evening in early February when we arrive at Tekniska. The Swedish National Museum of Science and Technology was founded in 1924 with a remit of preserving the homeland’s…

With so many different types of critical illness (CI) insurance plans, how does one go about choosing? We eventually reach a stage of life where we realise that when critical illness strikes, it doesn’t really care about your family history, how many dependents you have to support, or whether you’ve been eating clean and exercising regularly. Learning from the experience of friends around me, I…

About Idea to Value Idea to Value is a community about improving everyone’s ability to generate new ideas and turn them into something amazing. Our insights come from experts in Innovation Management, Psychology, Neuroscience, Art, Business Leadership and many more. Our articles and media on creativity and innovation help people like you break through whatever is stopping your ideas from…

According to the CFPB, “Borrowers are required to pay for many of the costs associated with closing a home loan but cannot pick the provider and do not benefit from the service. In many cases, the lender simply picks from a very small universe of providers, and the costs are then passed on to the borrower.” Read next: Borrowers still squeezed as mortgage credit tightness persists Broeksmit…

Eskayel’s founder and creative director, Shanan Campanaro, is once again leaning into her artist background to create the brand’s first collection of the year, Forma. Campanaro, who holds a Bachelor of Fine Arts from Central Saint Martins, University of the Arts in London, knows a universal truth about art – that a line becomes a shape and a shape in multitudes is able to convey a feeling. This…