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What a difference a year makes.

While the mortgage industry has been purchase loan-heavy for several years now, it could finally be starting to shift.

A new report from Optimal Blue revealed that rate and term refinance volume increased nearly 110% in August from a month earlier, and 310% from the year before.

Driving the emerging trend is cheaper mortgage rates, which have finally begun to accelerate lower in recent months.

Assuming they continue on their newfound trajectory, there’s a good chance refis will be back en vogue in 2025 and beyond.

Mortgage Refinance Share Highest Since Spring 2022

It has been a rough few years for loan officers and mortgage brokers, but it’s possible the worst is over.

As mortgage rates nearly tripled from sub-3% levels in early 2022 to over 8% last year, originators came up with the saying, “Survive ‘til 25.”

The idea was that if you could hang on and ride out the storm (of low lending volume) in 2024, you’d be rewarded in 2025.

And while that sometimes felt far-fetched, it looks like it could actually come to fruition, and perhaps even ahead of schedule.

The latest Market Advantage report from Optimal Blue found that mortgage refinances accounted for 26% of total home loan production, the highest share since March 2022.

At that time, you could still get a 30-year fixed in the 3% range. But rates ascended rapidly from there, basically wiping out all refinance activity in a matter of months.

So it’s pretty telling that refinance market share is now back to those levels and likely rising in coming months and years.

The 30-year fixed has fallen fairly dramatically after peaking at around 7.25% this May. It now stands at around 6% and looks poised to hit the 5s sooner rather than later.

Rates have a pretty strong tailwind right now with weakening economic data, higher unemployment, and a bunch of Fed rate cuts in the pipeline.

That could unleash millions of additional refinance candidates, including many of four million who took out a 6.5%+ rate mortgage since 2022.

The Only Way Is Up

While this is great news for the mortgage industry, and for recent home buyers, loan volume is still small potatoes relative to recent years.

If you look at the chart above, you’ll see the context of that 109% monthly increase and 310% annual surge.

The dark blue vertical line (rate and term refinance share) has gotten a lot wider, but is still just a tiny sliver of overall mortgage market volume.

But when you compare it to levels seen in 2021 and early 2022, it doesn’t take much to register big percentage gains.

When we include cash out refinances (orange line), which increased 8% on a monthly basis and over 20% annually, you get a respectable refinance share again.

And chances are this will only go up as more mortgages fall into the money for a refinance.

Lately, it’s mostly been VA loans that have benefited from a refinance because mortgage rates on such loans are the lowest.

But if rates continue on their merry may lower, you’ll start seeing more conforming loans benefit, which make up the lion’s share of the market.

It has been harder to make the math pencil on loans backed by Fannie Mae and Freddie Mac because of LLPAs (pricing adjustments). That could soon change.

Home Purchase Lending Has Fallen Flat Thus Far

While refis are finally having a moment, the same can’t be said of home purchase lending (light blue vertical line above).

Sure, it still holds a majority share of the mortgage market and likely will next year too, but it’s beginning to cede some of it back to refis.

And that’s troubling given the big drop in mortgage rates, which was supposed to get home buyers off the fence.

So far, the effect of lower mortgage rates has been muted, with purchase locks actually down 16% year-over-year and a staggering 45% since August 2019.

Optimal Blue blamed it on “continued affordability and inventory challenges,” with home prices out of reach for many despite the improvement.

Many expected home prices to surge when rates fell, but I’ve been arguing for a while that there’s no inverse relationship.

And in fact, home prices and mortgage rates can fall together if economic conditions warrant it.

Remember, there’s a reason the Fed is looking to cut its own fed funds rate more than 200 basis points (bps) over the next 12 months.

A slowing economy might be good news for mortgage rates, but not necessarily the housing market.

With home prices still at all-time highs nationally and affordability near all-time lows, it’s just not a great time to buy for many folks.

Sprinkle in uncertainty regarding the economy, the election, and even how they’ll pay real estate agent commission and it’s not so rosy anymore.

In other words, significantly lower mortgage rates might not amount to higher home prices, or a greater number of home sales just yet.

But given the timing of these lower rates (post peak home buying season), we won’t really know for sure until next spring.

That’s where the rubber meets the road.

Before creating this site, I worked as an account executive for a wholesale mortgage lender in Los Angeles. My hands-on experience in the early 2000s inspired me to begin writing about mortgages 18 years ago to help prospective (and existing) home buyers better navigate the home loan process. Follow me on Twitter for hot takes.
Latest posts by Colin Robertson (see all)

Source: thetruthaboutmortgage.com

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If you’re planning to purchase homeowners insurance, or renew your policy, your insurer may ask you to get a “4-point” inspection — one that assesses the home’s electrical, plumbing, roofing, and HVAC systems.

Insurers typically use this type of inspection, which is different from a standard home inspection, to determine how much risk they might assume if they issue a policy on an older home, or a home in an area that’s more vulnerable to natural disasters. But it can also be a useful tool for buyers and owners who want to identify potential safety hazards or other problems.

Read on for a look at how to prepare for a 4-point inspection, what you can expect the inspector to look for, and the steps you might take if the inspection raises some red flags.

4-Point Inspection vs Full Home Inspection

Though there may be some overlap between 4-point inspections and full home inspections, each type of evaluation has a different primary purpose.

What Is a Full Home Inspection?

A full home inspection is a common part of the home-buying process. It is important because it could reveal a significant flaw in the property that might make a potential buyer want to renegotiate the home price, which could in turn affect the size of their home loan. Here’s how it works:

A licensed inspector provides a top-to-bottom evaluation of the entire property’s condition, including structural elements, major systems, and appliances. Homebuyers are then alerted to problems both big and small — from a leaky roof or moldy basement to a cracked window pane. Though a full inspection is generally not required by lenders, most real estate professionals recommend getting one. A full home inspection can cost around $300 or $400, but the price could be much higher for a larger home. The inspection may take two to three hours, or more, depending on the size of the property.

What Is a 4-Point Inspection?

A 4-point home inspection is a more focused inspection that is sometimes required when an insurance company wants to be sure a home meets safety standards and is free of problems that might cause claims down the road. A 4-point insurance inspection isn’t always a required part of the home-buying process, but an insurer may ask for it if the home is older, or if it’s in an area that’s prone to flooding, high winds, or earthquakes. The time it takes to do a 4-point inspection, and the cost, are typically lower than a full inspection, but can vary based on the location, size, and age of the home.

First-time homebuyers can
prequalify for a SoFi mortgage loan,
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Components of a 4-Point Inspection

A 4-point home inspection covers your home’s four major components:

Roof Inspection

The inspector will visually survey the roof’s condition and overall stability. This includes looking for signs of age, loose shingles or guttering, damaged materials, inadequate attic ventilation, and leaks inside the home that could indicate a problem. Insurance companies want to avoid paying expensive roof replacement costs, so the inspector also will check on the age of the roof, what it’s made of, and the shape (flat, gable, hip, etc.) to help determine how it will hold up.

Electrical System Inspection

Because electrical problems can be a fire hazard, the inspector will look at the home’s electrical panels, circuits, wiring, switches, and outlets to be sure everything is up to code and in good condition. If any part of the system is dated or damaged, the insurance company may require that it be repaired or replaced before issuing a homeowners policy.

Plumbing System Inspection

This part of the inspection can include a check of the faucets, sinks, toilets, drains, water heater, showers, and tubs, as well as a look at the kind of pipes used in the home. Any signs of leaks or other water intrusion into the home could be a sign that the plumbing has deteriorated, is damaged, or wasn’t properly installed. If the pipes are made of older materials (such as galvanized steel or polybutylene), they may have to be replaced.

HVAC System Inspection

The inspector doing the 4-point insurance inspection also will test the heating, ventilation, and air conditioning (HVAC) system to be sure everything is functioning properly. This can include assessing how well each piece of the home’s climate control system has been maintained, how old the separate units are, and how much longer each can be expected to last. The inspector also may monitor the temperature and humidity in various rooms, check the duct work, check for proper airflow, and look for water damage or leaks.

Preparing for a 4-point Inspection

Your role in preparing for a 4-point home inspection will vary depending on whether you’re already the homeowner (selling your property or renewing your insurance) or a potential homebuyer (looking for coverage on a home you plan to purchase).
If you’re a homebuyer, you can expect to:

•   Find and hire a qualified inspector. (The rules for who can do a 4-point inspection for insurance purposes vary by location.)

•   Schedule a time when the inspector can access the home (preferably when you can be there, too).

•   Research common home-buying red flags.

•   Pay for the inspection.

If you’re the homeowner, on the other hand, you’ll have to do all of the above, plus make sure the inspector has clear access to the necessary areas of your home. You should also be ready to provide documentation that shows the age and maintenance schedule for the systems and structures to be inspected.
You also may choose to:

•   Fix or replace any missing or damaged shingles on your roof, and repair any problems inside or out.
Repair any leaky pipes, slow-draining sinks, etc., and clean up signs of water damage.

•   Repair or replace any electrical issues, such as a dated electrical panel or wiring, damaged or dated outlets, exposed or loose wiring, etc., and bring everything up to code.

•   Run your heater and air conditioner to be sure they work properly, replace dirty filters or damaged parts, and consider getting air ducts cleaned.

Recommended: The Ultimate Home Inspection Checklist

Hiring a Qualified Inspector

The requirements for home inspector certification vary by location, so it’s important to be sure the inspector you hire has the proper credentials for your area. Friends, family, or your real estate professional may be able to give you recommendations. You also can check out online reviews and ratings.
Once you’ve narrowed down your list of candidates, you can contact them for more information about their:

•  Licensing and insurance

•  Experience

•  References

•  Availability

•  Cost and payment options

•  Inspection process and what guidelines they follow

Interpreting a 4-Point Inspection Report

Inspection reports typically are divided into four sections (roof, electrical, HVAC, and plumbing) with detailed descriptions of what the inspector found, photos for visual backup, and checklists and/or tables further noting the age and conditions of the various systems. Inspectors also may include their recommendations regarding repairs or replacements.

After the 4-Point Inspection

A home either passes or fails a 4-point inspection — there’s no in-between or letter grade. If the home fails the inspection, it’s usually because the major components are outdated and/or showing significant wear and tear.

Though an insurer won’t necessarily cancel a homeowner’s current policy immediately upon seeing a failed report, it may require appropriate upgrades and repairs before renewing coverage or offering coverage to someone who plans to purchase the property. The results of the report may also affect the cost of insurance. (Because the inspection and appraisal are two separate parts of the home-buying process, however, a failed inspection won’t affect the appraised price or lead to an appraisal gap.)

If you’re hoping to buy a home that failed a 4-point inspection, you may have a few options to consider:

Negotiate with the Seller

You can talk to the seller about lowering the price on the home or providing a repair allowance so you can make the necessary fixes.

Make Recommended Repairs

You could see if the seller will make the required repairs, then get the inspector and insurance company to sign off on the work before moving forward with the deal.

Obtain Insurance Coverage

You still may be able to get coverage on the home if you can get the repairs done during a time period specified by the insurer. Or you can see if a different carrier will offer you a policy.

If the home requires significant repairs or updates, you may be able to purchase a special policy (such as builder’s risk insurance or vacant property insurance) with a higher premium. When the work is complete, you can apply for a standard home insurance policy.

Recommended: How to Get a Mortgage Loan

The Takeaway

If you own or are in the process of buying a home, an insurance company may require a 4-point inspection before providing a homeowners policy. This type of inspection can help insurers control their risk, because it’s designed to spot current and potential problems in four of the home’s major components: the roofing, plumbing, electrical, and HVAC systems.

Because mortgage lenders typically require that borrowers carry a sufficient homeowners policy, this type of inspection can be an important part of the home-buying process. And though it may seem like just one more hassle, it can also help homebuyers and homeowners avoid safety issues and expensive repairs in the future.

Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% – 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It’s online, with access to one-on-one help.

SoFi Mortgages: simple, smart, and so affordable.

FAQ

How long does a 4-point inspection take?

A 4-point inspection could take anywhere from a half-hour to two hours or more. The time and cost will depend on the size, age, and condition of the home.

Can I attend the 4-point inspection?

Yes, if you’re paying for it, you can and should try to attend the 4-point inspection (although it isn’t required).

What happens if the property fails the inspection?

If the property you own or hope to buy fails the 4-point inspection, you may still be able to obtain homeowners coverage — though you or the owner will likely have to make necessary repairs within a timeframe specified by the insurance company.

Photo Credit: iStock/Hispanolistic

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SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

SoFi Mortgages
Terms, conditions, and state restrictions apply. Not all products are available in all states. See SoFi.com/eligibility for more information.

*SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

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Source: sofi.com

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Whether you’re saving up for a home in the city, splurging on new decor for your rental house, or simply have rent to pay on your apartment at the end of the month, enjoying Chicago doesn’t have to break the bank. The city is filled with free activities that let you explore its rich culture, stunning architecture, and beautiful outdoor spaces without spending a dime. 

From art and music to scenic parks and historic landmarks, there are countless ways to experience the Windy City’s vibrant energy while keeping your wallet happy. Here’s a roundup of the best free things to do in Chicago, IL.!

1. Explore the outdoors

One of the best free things to do in Chicago is taking a much needed, refreshing break from the city’s bustle. Whether you’re seeking peaceful trails or charming coastal views, these spots provide a perfect escape from city life in Chicago.

Enjoy the quiet side of the city

Need a break from the noisy streets and bustling crowds? Step off the usual route and visit Northerly Island, tucked behind the Museum Campus. “It’s a bit off the beaten path but offers amazing skyline views and peaceful trails along Lake Michigan,” TK Photography shares. “Whether you’re just out for a walk or catching a concert at the pavilion, it’s a perfect way to enjoy the quieter side of the city.

Hang around after a game

If you’ve just finished cheering at a sports game, or singing along at a concert at the Wintrust Arena, or if you’re simply in the South Loop area—why not stick around? Enjoy the breathtaking city views and take a leisurely stroll along the lakefront and by McCormick Place, the largest convention center in North America. And if you do get hungry after your walk, savor some fantastic dining options nearby.

Take a day trip

Escape the city and visit Evanston’s Grosse Point Lighthouse, a short trip from Chicago. This historic landmark, set by the beach, offers stunning photo opportunities with its charming architecture and golden grasses. It’s the ideal spot for capturing beautiful shots and enjoying a peaceful coastal vibe. “Whether you’re snapping photos with your phone or hiring a professional, the lighthouse’s unique lighting and scenery make it a perfect location any time of day,”  says local photographer, Maloos Photography.

Photo courtesy of Maloos Photography

2. Attend local events

Engaging with local events is a fantastic way to meet new people, try new unique activities, and immerse yourself in the community. Not only are these typically free things to do in Chicago, but they also provide a fun and enriching way to discover new aspects of your neighborhood.

Experience community and creativity

Head over to Bridgeport and visit So Happy You’re Here, a cozy spot that’s more than just a shop. It’s a cultural hotspot where events including a community craft circle, silent book club, and drag story hours are hosted. So while you’re exploring the racks and shelves for vintage finds, local art and handmade goods, be sure to stop by for exciting events. 

Connect with stories

If you go a little up North to West Lakeview, visit Three Avenues Bookshop – a local treasure with a welcoming atmosphere. Alongside a charming selection of new books and a dedicated kids section, this shop hosts a variety of events like yoga classes, open mic nights, story times, and author talks. It’s the perfect place to meet new people, explore new activities, and enjoy the neighborhood vibe.

Photo courtesy of Three Avenue Bookshop

Appreciate the arts

For a distinctive, free art experience in Chicago, head to The Bridgeport Art Center (BAC), a vibrant hub of creativity for over 20 years. Featuring more than 10,000 square feet of rotating gallery spaces, BAC’s monthly Third Friday Open Studios invite visitors to explore the work of over 150 artists. While you’re there, enjoy a stop at BASE Community Café, discover the Chicago Maritime Museum, or Shared Floor Ceramics

3. Explore the neighborhoods

Stroll through the markets and shops

Experience the charm of Chicago at the Chicago Vintage Festival, where the city’s eclectic style comes alive. This vibrant marketplace brings together local vintage vendors showcasing their unique finds monthly, from timeless fashion to retro collectibles. Whether you’re a seasoned Chicagoan or new to the city, the festival offers a taste of Chicago’s creative spirit and community.

The Roaming Reader suggests, “start your route at Two Hearted Queen for an unbeatable scone and coffee. Take a stroll from a mile and you’ll come to my favorite two bookstores in the city, The Last Chapter, for all your romance needs, and Roscoe Books, for just about anything else.”

Chicago is a vintage lover’s paradise, offering everything from antique shops to vibrant pop-ups. Start at Lazy Dog Antiques on Belmont Avenue in Roscoe Village, filled with unique vintage lighting, furniture, barware, and jewelry. While you’re there, explore more shops along Antiques Row for a full day of treasure hunting.

Discover indoor play in every season

Searching for a fun activity for everyone to enjoy that’s easy on the wallet and weatherproof? Erin from Chicago with Kids recommends the Garfield Park Conservatory, “It’s free to visit, just reserve your spot. They’ve got everything from gorgeous gardens to kids’ programs and special events. With Chicago’s unpredictable weather, it’s always a great go-to for fun. Their outdoor play area is open year-round, and they’re even building a new indoor play space this year!”

Spend the day in Lincoln Square

Enjoy a stroll through this charming neighborhood, explore unique shops, or relax in one of the public spaces. Lincoln Square offers a mix of activities to immerse yourself in the community, whether you’re spending or saving.

Katie from Lincoln Square Ravenswood Chamber of Commerce says, “Start with a meal at Bistro Campagne, a French restaurant with a romantic patio. For cocktails, try the Robin at The Warbler across the street. Visit Merz Apothecary, a neighborhood staple since 1875, or relive childhood memories at Timeless Toys. End your day at Artango Bar and Steakhouse for great wine, food, and a chance to dance the tango.”

Photo courtesy of Lincoln Square Ravenswood Chamber of Commerce

Visit the smaller neighborhoods 

In Chicago, the true essence of the city often lies in its smaller neighborhoods like West Town, just south of Wicker Park. This neighborhood is ideal for a casual stroll, whether solo or with friends. With its eclectic boutiques, cozy cafes, and colorful street art, it’s a neighborhood made for window shopping and soaking in the local charm.

According to Lost Girls Vintage, “a perfect day in West Town includes brunch at All Together Now, followed by walking down Chicago Avenue exploring local shops like Sprout Home, Tarnish, and Paperish Mess. Lastly, We’d stop by Beatnik for an afternoon cocktail in their beautiful restaurant followed by more shopping at Dovetail then walk up Ashland to more shops like Petals and Jackets.” 

4. Find volunteer work

Looking for a free activity in Chicago where you can give back to the community while nurturing your creative side? Epic Art House, a vibrant non-profit located in Bucktown, is the perfect place. Dedicated to fostering connection and creativity, they offer weekly pottery and arts classes for all ages. Whether you’re eager to share your skills by teaching or simply want to lend a helping hand, Epic Art House welcomes your involvement.

5. Unwind at happy hour

While this isn’t necessarily always a free experience, kick back with your colleagues and hang out at The Boss Bar, proudly serving Chicago for over 35 years. It’s the perfect place to let loose after 5PM and mix and mingle. They host lively late-night experiences, ensuring an inviting environment for all guests and aim to celebrate key members of the community from past to present. 

Free things to do in Chicago, IL: Final thoughts

Chicago offers a wealth of free activities to enjoy its vibrant culture and dynamic energy. Whether exploring tranquil parks, diving into the local art scene, or discovering hidden gems, you can experience the city’s richness without breaking the bank. Experience Chicago in a whole new way.

Photo courtesy of TK Photography

Source: rent.com

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With the introduction of new bonus categories, eligible Chase Freedom cardholders have several ways to earn 5% cash back in the last quarter of 2024.

From Oct. 1 to Dec. 31, 2024, Chase Freedom Flex® cardholders can get 5% back on up to $1,500 in combined quarterly spending at the following merchants:

  • McDonald’s.

  • Pet shops and vet services.

  • Select charities. 

All non-bonus-category purchases earn 1% back, as do purchases made after hitting the $1,500 combined quarterly cap in the categories above. Cardholders must activate the bonus categories by Dec. 14, 2024, to earn the 5% rate. Activation applies retroactively to all qualifying purchases made since Oct. 1, 2024.

Here are some tips for making the most of Chase’s bonus categories in the last quarter of 2024.

Chase Freedom® and Chase Freedom Flex® bonus rewards categories for 2024

Q1 (Jan. 1-March 31)

  • Grocery stores.

  • Fitness clubs and gym memberships.

  • Self-care and spa services.

Q2 (April 1-June 30)

  • Select hotel bookings.*

  • Restaurants.

  • Amazon.com.

Q3 (July 1-Sept. 30)

  • Gas stations and EV charging.

  • Select live entertainment.

  • Movie theaters.

Q4 (Oct. 1-Dec. 31)

  • McDonald’s.

  • Pet shops and vet services.

  • Select charities.

*Includes bookings made directly with the hotel and prepaid bookings through Chase’s travel portal.

McDonald’s, pet services debut as bonus categories

For the first time, McDonald’s, pet shops and vet services are bonus categories for Chase Freedom cardholders.

The Golden Arches category is pretty self-explanatory. But “pet shops” is a pretty broad category that includes stores that sell pet supplies, services and animals. Note that pet day cares, pet insurance and groomers are ineligible to earn 5% back. Nevertheless, now is an ideal time to stock up on food, medicine and other supplies, and to finally schedule your pet for its annual checkup.

🤓Nerdy Tip

The original Chase Freedom® card is no longer accepting applications, but existing cardholders still earn 5% cash back based on the same bonus calendar and terms for the Chase Freedom Flex®.

Get rewards for giving back

Chase Freedom cardholders will be rewarded bonus cash back for their generosity this holiday season, as long as they donate to one of 17 eligible charities. Charities that qualify this quarter include the American Red Cross, Habitat for Humanity and United Way. Come Giving Tuesday, remember to pay for charitable contributions with your Chase Freedom card.

Pay with PayPal online and in-store

To ensure you get 5% back on purchases made via PayPal, add your Chase Freedom card as the default payment method. If you haven’t already, download the PayPal app, too. You’ll need it in order to use PayPal for in-store purchases.

Information about the Chase Freedom® has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.

Source: nerdwallet.com

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While famed architect Frank Lloyd Wright designed more than 1,000 buildings throughout his life, his prolific 70-year career produced one single Florida residence: the Lewis Spring House in Tallahassee.

But Florida had its own famed proponent of organic architecture.

Mentored by Wright, Alfred Browning Parker was one of Florida’s most prolific and influential mid-twentieth-century architects.

He designed more than 500 projects in his 60-year career, and was a principal leader of the “Coconut Grove School” of tropical organic architecture, alongside other renowned architects like Rufus Nims and Kenneth Treister.

After another Alfred Browning Parker was recently sold to new owners who planned to tear it down (despite paying a hefty $36 million for the Parker-designed waterfront property in Gables Estates), the city of Coral Gables moved swiftly to save another of the architect’s projects from a similar fate. Now, it’s up for grabs.

Saved at the very last minute

Photo credit: Lenny Kagen / Miami Real Estate Photographers

After the Alfred Browning Parker-designed Gables Estates waterfront property at 140 Arvida Parkway was recently sold as a $36 million teardown — despite its architectural pedigree and consideration for historic designation — the city of Coral Gables quickly stepped in to avoid a similar fate for one of Parker’s other notable designs.

The property at 5005 N. Hammock Park swiftly received historic designation, and right on time! Turns out, the listing agent for the property already had a buyer lined up who planned to tear it down.

Now offered for sale at $4.6 million

Photo credit: Lenny Kagen / Miami Real Estate Photographers

The architecturally significant home is now listed for $4,600,000, with Coldwell Banker Realty’s Lisa Fox holding the listing. It’s now looking for a buyer who can appreciate its timeless architecture, connection to its surroundings, and historic pedigree.

Stellar architecture by Alfred Browning Parker

Photo credit: Lenny Kagen / Miami Real Estate Photographers

A principal leader of the “Coconut Grove School” of tropical organic architecture, Alfred Browning Parker is arguably the most renowned and honored architect in the history of Florida, with some considering him “the Frank Lloyd Wright of Florida.”

Alongside a group of idealistic architects, Parker adapted Frank Lloyd Wright’s tenets to the unique conditions of South Florida. Subtropical modernists devised a whole array of sun-protection devices to shield glass-enclosed interiors from the scorching South Florida sun.

His body of work and architectural legacy contrasts beautifully with Miami’s more modern, glass-enclosed homes.

Lloyd Wright himself praised Parker’s work

Photo credit: Lenny Kagen / Miami Real Estate Photographers

Parker was publicly praised by Frank Lloyd Wright, something Wright rarely did. He even recommended Parker as an American Institute of Architecture (AIA) fellow, the only architect Wright ever recommended/nominated for this honor.

The house is located in a guard-gated neighborhood in Coral Gables

Photo credit: Lenny Kagen / Miami Real Estate Photographers

The home sits on a roughly one-acre lot in the Miami-adjacent city of Coral Gables, known for its tree-lined boulevards, ivy-covered mansions, and historical landmarks (including the world-famous Biltmore Hotel and the Venetian Pool, both built in the 1920s). It’s part of the guard-gated neighborhood of Hammock Lakes.

Perfectly in tune with its natural surroundings

Photo credit: Lenny Kagen / Miami Real Estate Photographers

Alfred Browning Parker was known for incorporating natural materials into his designs, and the property at 5005 N. Hammock Park is no exception.

Enveloped by nature and perfectly in tune with its surroundings, the home also incorporates natural materials throughout, including hardwood Florida cedar and coral rock (out of which the two-story fireplace area of the living room was constructed).

Grand living space with cathedral ceilings

Photo credit: Lenny Kagen / Miami Real Estate Photographers

Walking through a foyer entry, the architectural home welcomes residents and their guests with a grand living area, where an imposing beamed cathedral ceiling made out of angelique wood towers above the space.

Two additional family rooms

Photo credit: Lenny Kagen / Miami Real Estate Photographers

The grand living area is complemented by two additional family rooms, one designed by Parker, and another one added later on, as part of an expansion project.

A standalone primary suite was added in 2003

Photo credit: Lenny Kagen / Miami Real Estate Photographers

In 2003, additions were made to the house, with a new stand-alone primary suite being built upstairs, and an additional family room — open to an industrial kitchen — added as well.

See also: 22 Frank Lloyd Wright homes you’ve probably never heard of

Serene views and a fireplace complete the space

Photo credit: Lenny Kagen / Miami Real Estate Photographers

With large balcony doors opening to the lush greenery outside, the large bedroom also has a stone fireplace to add an extra note of warmth to its wood-clad, beamed ceiling design.

The adjacent home office

Photo credit: Lenny Kagen / Miami Real Estate Photographers

Also part of the primary suite is an inviting home office, fully clad in warm wood, and a spacious walk-in closet.

The bathrooms don’t infringe on the design

Photo credit: Lenny Kagen / Miami Real Estate Photographers

While a tad less midcentury modern, the bathrooms complement the design rather than infringing on it, with each of the 6 baths sporting either a playful design, or an era-appropriate one. The primary bathroom, with vaulted beamed ceilings, adds a pop of color with its vibrant blue hues.

More bedrooms to accommodate guests

Photo credit: Lenny Kagen / Miami Real Estate Photographers

Beyond the impressive primary suite, there are 4 additional bedrooms to accommodate friends and family. All bedrooms have ensuite bathrooms.

Wood-clad spaces radiate warmth and comfort

Photo credit: Lenny Kagen / Miami Real Estate Photographers

Despite its size — the home has well over 5,300 square feet of living space — the Coral Gables house’s interiors are decidedly warm and inviting, making it a great option for a family.

Nature awaits right outside the house’s doors

Photo credit: Lenny Kagen / Miami Real Estate Photographers

A private tropical oasis in itself, the one-acre property is surrounded by mature trees, winding paths, and lush greenery.

There’s also a pool and lounging area

Photo credit: Lenny Kagen / Miami Real Estate Photographers

More modern conveniences aren’t lacking, with the outdoor area also featuring a pool and lounging area, hidden behind extra tall palm trees and mature shrubs.

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26 Jaw-dropping Miami-area mansions that will make you want to move to Florida

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Source: fancypantshomes.com

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Thanksgiving is a cherished holiday celebrated in various ways across the United States. Whether you’re hosting a traditional dinner in Atlanta, Georgia, or a casual friendsgiving in Chicago, Illinois, the essence remains the same: Gathering with loved ones, expressing gratitude, and indulging in a delicious feast. However, planning and hosting the perfect Thanksgiving dinner can be overwhelming, even for experienced cooks.

From menu selection to table setting, countless details must be considered when thinking about how to make Thanksgiving dinner memorable. This comprehensive guide offers expert advice to help you curate a Thanksgiving spread that will leave your guests impressed. Whether you’re a seasoned chef or a kitchen novice, we’ll provide the insights you need to create an unforgettable holiday celebration.

1. Make the desserts ahead of time

Dorthy Kern with Crazy for Crust shares that she finds that the key to a stress-free Thanksgiving is making your desserts ahead of time. “No one wants to be trying to make homemade pie crust or pumpkin pie while making the turkey.” Kern recommends to make your pies a few weeks ahead of time, cool them, then freeze them wrapped well in plastic wrap. 

2. Vegan pumpkin pie

Make sure to accommodate all dietary preferences so everyone at the table can enjoy a great Thanksgiving, suggests Lucy Johnson with Edible Ethics. For example, you can make your pumpkin pie vegan by swapping out the eggs and cream for coconut cream, or create a gluten-free version of your favorite stuffing by using gluten-free bread. 

3. Balancing traditional dishes

Roshani with Hungry Lankan shares “to focus on balancing traditional dishes like roasted turkey and stuffing with creative sides such as spiced sweet potatoes or cranberry chutney, while accommodating dietary needs to ensure every member feels included—plus, prepping for it with family members is half the fun!”

4. Ditch the turkey

Instead of turkey, consider a vegan roast for your table, suggested by Ed and Natasha Tatton with Bred Made by Ed. You may crave traditional dishes you grew up with involving animals, but you can be mindful of the impact of your meal. Creativity can go a long way. Search for animal-free versions of classic dishes online, or visit your local vegan grocery store to see what’s available. 

5. How to make Thanksgiving dinner an all-inclusive feast

This Thanksgiving, make sure to offer dishes that cater to all food preferences by including dishes that are vegan, gluten-free, or simply wholefood-based, as recommended by  Eating Vibrantly. Simple dishes like this oil-free popcorn or this raw vegan chocolate are sure to delight your health-conscious guests.

Eating Vibrantly also shares to add even more delicious produce to your Thanksgiving feast with plant-based condiments, like this raw vegan pesto or this macadamia mayonnaise.

Photo courtesy of Eating Vibrantly

Jude Sharp, founder and head baker with The Unsweetened Tooth located in Seattle, WA, says, “When curating the perfect Thanksgiving menu, focus on inclusivity by offering options that cater to a variety of dietary needs, such as gluten-free, diabetic-friendly, keto-friendly, and no-sugar-added or low-carb dishes — especially desserts. Since this is a major dessert holiday, many people with restrictions often feel left out. Ensure that guests with health conditions or lifestyle choices can still indulge by providing delicious alternatives, so everyone has a seat at the dessert table. An inclusive menu allows all your guests to savor the celebration without missing out.”

Photo courtesy of The Unsweetened Tooth

Hosting Thanksgiving can be overwhelming considering the dietary requirements of all guests, says Liz Douglas with Glow Diaries. Liz shares “Consider making a few dishes that are already allergen-free and/or vegan-friendly so you don’t have to make separate variations of each dish. Think roast potatoes in olive oil (rather than butter), dense grain salads, or a pot of rich mushroom bourguignon. You’ll be amazed at how easy and delicious these recipes can be, and it will help make all your guests feel welcome and included in the holiday meal.”

6.  Fun twist on traditional dishes

Eunice Lim, founder of Food Travel Babe, shares, “Give your Thanksgiving classics a fun twist — mix traditional dishes like roasted turkey with fresh, seasonal ingredients that showcase your personal style and creativity. Make your table look as good as it tastes by playing with different textures and colors, so every dish feels like it belongs together, both in flavor and how it looks!”

Photo courtesy of Food Travel Babe

7. Elegant, whimsical table

Natacha Sanz-Caballero shares how she loves an elegant Thanksgiving table. Natacha says, “If there’s an occasion to show your best linens, china, and silverware, this is it. However, an elegant table doesn’t have to be stiff, and you can, in fact, imbue some level of whimsy without losing a thread of sophistication. She shared a few tips to achieve this. Natacha suggests mixing and matching plates that are different but follow a pattern, for instance, the same or similar material and color group. 

Photo courtesy of Natacha Sanz-Caballero

As opposed to a larger centerpiece, she chooses one theme for a center table spread and distributes them from one end of the table to the other; that way everybody has something nice to look at. Natacha also shares “that nothing beats a candlelight-lit table, which gives a touch of elegance yet is whimsical. Like with the center table decor, spread the candles from one end of the table to the other. Everybody will have the perfect glow!” 

8. Sharing the feast

Sometimes asking your guests to bring something they can eat really makes the day more inclusive, as recommended by Catherine Rose with Divinely Gluten Free. It allows variety and things you may never have thought of making. Serve the gluten-free creamed spinach as a dip with the gluten-free hard rolls cut into bite-sized pieces. This is a classic combination that is both delicious and easy to eat.

9. Snack on without spoiling their appetite

 Hannah Dela Cruz, founder of Make It Dough and author of Sourdough Every Day, shares that her secret to a wonderful Thanksgiving is embracing hors d’oeuvres. “There’s always that moment when everyone starts feeling a little peckish and impatient for dinner. A large charcuterie board is perfect for guests to snack on without spoiling their appetite for the turkey. Hannah recommends serving up a large Sourdough Discard Focaccia, sliced into two-bite portions and served with balsamic vinegar and olive oil or a flavorful herby chimichurri. It’s easy to prepare a large batch with minimal effort. She adds that it can be made in advance, so it doesn’t take away oven space from the all-important turkey and sides.

10. Creating a timeline with Thyme of Season

 “Creating a timeline and sticking to it is most important for a successful Thanksgiving gathering,”  says Henrie Marie with Thyme of Season. Marie recommends planning your menu weeks before allowing time for any special ordered items to arrive. Making items such as pies a week or so in advance, they freeze well and are ready to bake when you need them. Prepping vegetables and appetizers, such as dips, a day before helps tremendously. Lastly, decorate and set the table days before too, so it’s perfect without the stress; just don’t use it.

11. Warming your desserts

Amada Powell with A Cookie Named Desire also highlighted the importance of making your desserts days ahead of time and putting them in the refrigerator, freezer, or at room temperature depending on the particular dessert you choose. Amanada also shares this expert tip: “You can warm your desserts, like pies, in the oven when everything is finished cooking using the residual heat, so it is warm and ready to be enjoyed by everyone by the time dinner is finished.” 

12. Just breathe 

LeAnne Yaakubov with Lion’s Bread shares, “Start prepping and chopping the ingredients 2-3 days ahead of time and set the table the night before.” LeAnne recommends “taking out all of the serving dishes and labeling each one with a sticky note that indicates the dish she is putting in it”. She also recommends “sticking to tried and true classic recipes, making a big cocktail pitcher, and letting everyone graze on a simple but elegant cheese platter while you’re finishing up the meal. Also, breathe.” 

Creating a memorable Thanksgiving feast

Thanksgiving is a beautiful reminder that gratitude transcends location, be it a cozy apartment or a sprawling house. It’s a time to gather loved ones, both family and friends, new and old, and celebrate the bounty of the season. While the specifics of your feast may differ — a gluten-free creamed spinach dip with crusty rolls for some, a vegan roast for others — the core message remains the same. Let this Thanksgiving be a celebration of togetherness, delicious food, and the things that truly matter. Use these expert tips to create the perfect moment. So raise a glass, share a laugh, and savor the company of those who make life special.

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Update 9/15/24: Offers are available again. Valid until 10/9/24. Hat tip to reader Joko

The Offer

Direct Link to offer


Chase is offering the following bonus on the Southwest Plus, Premier, and Priority cards:

  • Earn 85,000 points after you spend $3,000 on purchases in the first 3 months from account opening. This signup offer is slated to end on 6/26/2024.

Card Details

  • Annual fees are not waived the first year
  • Card earns the following rates:
    • 2x points (3x for Premier and Priority) for every $1 you spend on Southwest Airlines purchases
    • 2x points for every $1 you spend on Rapid Rewards hotel and car partners
    • 2x points per $1 you spend on local transit and commuting, including rideshare
    • 2x points per $1 you spend on internet, cable, phone services, and select streaming
    • 1x points for every $1 you spend on everyday purchases
  • Get 25% back on in-flight purchases
  • The Plus and Premier get  2 earlybird check-ins per year
  • Premier and Priority earn 1,500 tier qualifying points towards A-List status for every $10,000 spent, with no limit on the amount of TQPs you can earn
  • The Premier personal card earns a 6,000 points anniversary bonus; the Plus earns 3,000 points anniversary bonus; the Priority earns 7,500 anniversary bonus
  • The Plus and Premier personal and business cards get a new benefit of 2 earlybird check-ins per year.
  • All cards (besides Plus personal and Plus business) earn 1,500 tier qualifying points towards A-List status for every $10,000 spent, with no limit on the amount of TQPs you can earn.
  • All cards (besides Performance Business) get 25% back on in-flight purchases.
  • Southwest credit cardholders get 10,000 Companion Pass-qualifying miles which brings down their overall miles required to get the pass from 135,000 to 125,000
  • Chase 5/24 rule does apply to this card
  • How Much Are Southwest Rapid Rewards Points Worth?
  • Everything You Ever Wanted To Know About The Southwest Companion Pass

Our Verdict

This is better than the 75,000 offers we often see, but this isn’t an ideal time of year for maximizing the companion pass. This offer is also showing on referrals currently as well (do not share your referrals in the comments below). We’ll add this to our list of Best Credit Card Signup Bonuses. Before applying, check out these 26 Things Everybody Should Know About Chase Credit Cards.

If you are applying for the card, please help out a fellow DoC reader by using their referral link which can be found on this dedicated post. No referral sharing in the comments below.


Source: doctorofcredit.com

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40-year mortgages aren’t exactly what you think they are, and we’re here to clear up the confusion. Yes, a 40-year mortgage is only 10 years longer than the traditional 30-year mortgage, but the increased time to amortize interest makes it significantly more expensive. Though it may seem more affordable on a month-to-month basis, the increased amount of interest you’ll pay over the entire loan makes it hard to pay off the principal and build equity.

Additionally, 40-year mortgages are not backed by the federal government, so it can be hard to find a lender that originates them.

Here’s a deep dive on exactly what they are, how to qualify for one, how much they cost, how they compare with other loan terms, and what factors you’ll want to consider if you’re thinking about a 40-year mortgage.

First-time homebuyers can
prequalify for a SoFi mortgage loan,
with as little as 3% down.

Questions? Call (844)-763-4466.

Understanding a 40-Year Mortgage

To understand a 40-year mortgage, it’s important to look at how the mortgage market works and where a 40-year mortgage fits. With a traditional 30-year mortgage, the loan is typically sold on the secondary mortgage market to be bundled into securities by government-sponsored enterprises Fannie Mae and Freddie Mac.

To be eligible for sale, the loan must meet certain criteria to be considered a “qualified” mortgage. One of these criteria is that the loan term must not be longer than 30 years (the average mortgage term length in the U.S. is three decades). So a 40-year loan isn’t considered a qualified mortgage. You might also see it referred to as a “nonconforming loan.”

Because a 40-year mortgage can’t be backed by the government, it’s harder and more expensive to originate. As a result, this type of mortgage often doesn’t make sense for borrowers or lenders.

Recommended: What Is Mortgage Curtailment?

How a 40-Year Mortgage Works

When lenders do offer 40-year mortgages, there are a number of different ways these loans can be structured.

•  ARM: The 40-year mortgages can be adjustable-rate mortgages (ARMs) where the interest rate adjusts every five or ten years.

•  Interest-only for 10 years + 30-year term: They can also operate like a 10-year interest-only loan tacked on to the front of a traditional 30-year mortgage.

•  Fixed 40-year term: They can also work as a 40-year fixed loan, much like a 30-year fixed-rate loan.

Most 40-year loans require that the property be owner occupied. But the biggest hurdle you’ll encounter in the mortgage process is finding a lender that offers 40-year mortgages. Qualification works as it does with a 30-year loan, but because the lender has to keep the loan on its books, it will be extra judicious about lending when it comes to a 40-year mortgage.

40-year Loan Modification

If you’re reading up on 40-year mortgages, you may run across the term as it relates to home loan modifications. Borrowers with FHA loans (from the Federal Housing Administration) who got into financial trouble during the COVID-19 pandemic may have the opportunity to have their loans modified (or “recast”) into 40-year loans.

Advantages and Disadvantages

With a typical 40-year mortgage, it’s clear what the advantage is because there’s only one: a lower monthly payment. A lower monthly payment may make buying a home possible for some borrowers, so it’s tempting to look at a 40-year mortgage despite the drawbacks.

The lone pro, as well as the risks and drawbacks of a 40-year mortgage, can be summarized as follows:

Pros Cons
Lower monthly payment Pay more in interest over a 40-year term
May have a higher interest rate
Builds equity more slowly
Hard to find a lender who offers this loan type

Qualifying for a 40-Year Mortgage

Qualifying for a 40-year mortgage is similar to qualifying for other types of mortgages. In addition to the loan type and interest rate the lender can offer you, other mortgage qualification factors may include:

•  Credit score. There is no minimum score required specifically for 40-year mortgages but generally, the better the score, the better your rate.

•  Income verification. The lender will examine your employment history and how reliable your source of income is.

•  Debt-to-income ratio. How much debt you have affects how large a mortgage you can take on. Higher debt equals less borrowing power.

•  Down payment. The down payment affects the loan-to-value ratio, which affects how much the lender is willing to lend and what rate it will offer.

Recommended: How to Get a Home Loan

Comparing 40-Year Mortgage to Other Loan Terms

When you look at the costs on a 40-year mortgage, it becomes very clear what the tradeoff is. Here is an example using interest rates available in August 2024. Note that the 40-year example has a rate that adjusts every five years, so the total interest paid is an estimate.

Mortgage amount Interest rate Monthly payment (principal and interest only) Total interest paid over the term
40-year 5/5 adjustable rate mortgage $450,000 6.625% $2,674.73 $833,870.52
30-year fixed mortgage $450,000 6.500% $2,844.31 $573,950.20
15-year fixed mortgage $450,000 6.250% $3,858.40 $244,512.52

For a 40-year loan, you’ll pay $833,870.52 in interest for a $450,000 mortgage. In total, that’s $1,283,870.52 you’ll pay for the $450,000 loan.

The monthly payment on a 40-year mortgage is only about $200 less for a $450,000 mortgage. All told, you would save nearly $300,000 by choosing a mortgage term of 30 years vs. a 40-year mortgage. Borrowers who opt for the lowest payment with an idea that they would pay off the mortgage early would be wise to make sure they understand whether there are prepayment penalties before signing on the loan.

Factors to Consider with a 40-Year Mortgage

Because of how much more you’ll pay for a 40-year mortgage vs. 30-year mortgage, a 40-year loan comes with some serious considerations.

Long Repayment Period

A 40-year mortgage loan will take much longer to pay off. And because you’re paying a greater percentage of interest in the beginning of your loan, it will be hard to pay down the principal for quite some time.

Building Equity Is Difficult

As noted above, a 40-year mortgage loan makes building equity more difficult because of the increased interest costs. Difficulty building equity can make it harder to move because you may not have adequate profits from the home sale to make a down payment on your next home. It can also make refinancing challenging.

Interest Costs Are High

When you look at a mortgage calculator, you may be quite shocked at how much more interest you’ll pay on a 40-year mortgage when compared to a 30-year mortgage, as illustrated previously.

When a 40-Year Mortgage Makes Sense

A 40-year mortgage could make sense if:

•  You plan to refinance to a different mortgage term in the future. If you need to keep monthly costs as low as possible and refinance at a later date, such as when you’re renovating your home, then you may want to consider a 40-year mortgage.

•  It makes a difference in home affordability. If the difference between buying a home and not buying a home is a 40-year mortgage, you’re probably thinking about the 40-year mortgage. Hopefully, you could refinance down the line and save yourself a large chunk of money.

As mentioned previously, the high cost of a 40-year mortgage is a major drawback. The total amount of the mortgage works out to be hundreds of thousands more when compared with a traditional 30-year mortgage. Be sure you’re aware of the increased costs and risks before committing to a 40-year mortgage.

The Takeaway

The 40-year mortgage isn’t common and there are few scenarios where it makes sense. When you compare a 30-year mortgage with a 40-year mortgage, you’ll only pay a couple hundred dollars more per month on a 30-year mortgage, but you’ll save hundreds of thousands of dollars over the life of the loan. If you’re considering a 40-year mortgage, consult a lender you trust. They will have many tools at their disposal for helping you afford a home of your own.

Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% – 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It’s online, with access to one-on-one help.

SoFi Mortgages: simple, smart, and so affordable.

FAQ

Are 40-year mortgages widely available?

No, 40-year mortgages are not common because they aren’t considered conforming, qualified mortgages. Qualified mortgages follow guidelines set by the government so they’re less risky and able to be bought by Fannie Mae and Freddie Mac. A 40-year mortgage falls outside the maximum allowable 30-year term for a qualified mortgage.

Can I refinance a 40-year mortgage later?

Yes, you can refinance a 40-year mortgage at a later date, provided you can qualify for the new loan you’re applying for.

Is a 40-year mortgage a good option for first-time homebuyers?

There are serious downsides to a 40-year mortgage. It may have a more affordable monthly payment than a 15- or 30-year mortgage, but you’ll have a hard time building equity (which is important for first-time homebuyers) and you’ll pay much more in interest over 40 years than you would 30 years.

Photo Credit: iStock/gradyreese

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

SoFi Mortgages
Terms, conditions, and state restrictions apply. Not all products are available in all states. See SoFi.com/eligibility for more information.

*SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

¹FHA loans are subject to unique terms and conditions established by FHA and SoFi. Ask your SoFi loan officer for details about eligibility, documentation, and other requirements. FHA loans require an Upfront Mortgage Insurance Premium (UFMIP), which may be financed or paid at closing, in addition to monthly Mortgage Insurance Premiums (MIP). Maximum loan amounts vary by county. The minimum FHA mortgage down payment is 3.5% for those who qualify financially for a primary purchase. SoFi is not affiliated with any government agency.

SOHL-Q324-022

Source: sofi.com

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Las Vegas, Nevada, also known as Sin City, is renowned for its dazzling nightlife, opulent casinos, and world-class entertainment. The city is known for the strip, a stretch of Las Vegas Boulevard that features a variety of resort hotels and casinos bathed in neon lights. However, beyond the iconic Strip, there is a wealth of unique things to do in Las Vegas ranging from culinary delights to stunning natural landscapes. So whether you’re a Las Vegas native, a visitor touring its many neighborhoods, or someone looking to move to the area, check out these great tips from our amazing local experts on how to make the most of your time in the city.

Interested in moving to Las Vegas, NV? Check out: 

Apartments for rent in Las Vegas, NV | Houses for rent in Las Vegas, NV | Homes for sale in Las Vegas, NV

Picture courtesy of Sharon & George Konold from Amazing Travel Inc.

Take in the city’s themed attractions

Las Vegas is home to some great themed attractions, many of which feature cutting-edge technology and immersive experiences. If you’re after an exhilarating adventure, take a look at the options below:

“We really enjoyed our show at The Sphere! The Sphere Experience was awesome photography on a curved, round screen over our heads. I bought the tickets well ahead of time online and we were in the front row, looking down onto the stage reserved for bands. Looking forward and upward was fabulous flying photography with nobody in our line of sight. The flying camera is so fantastic that you feel the motion. The photography of our great country’s beautiful landscapes was stunning. Familiar places were seen in a whole new light. We weren’t aware of the robots preceding our show, so we missed it. Be sure to do that first, then go to your seats.

We also highly recommend another fabulous photography show. Go to The Flyover on the strip near the Hard Rock Café. This one is much smaller than The Sphere, but your seat moves out into the projected landscape scene, and you feel the wind and some spray on your face when appropriate. Once again, it’s awesome flying photography, probably from a helicopter whose pilot did a great job. They had two shows when we went and now, they have 6 shows to choose from.” Sharon & George Konold from Amazing Travel Inc. 

Photo courtesy of EggWorks/Egg & I

Must-experience culinary delights

Las Vegas is a food lover’s paradise, with a higher concentration of renowned chefs and awarded restaurants than nearly any city. If you’re looking for good eats in the Vegas area, check out the below recommendations from our local experts: 

“EggWorks and Egg & I family restaurants are family-owned and locally operated establishments open 7 days a week from 6 am-2 pm Monday- Friday, and 6 am-3 pm Saturdays and Sundays.  We have been providing Egg-Cellent customer service to the Vegas valley for over 30 years. We currently have seven locations and all seven display a train that races around the dining rooms daily. Our delicious breakfast and lunch items are top-notch and never disappoint. Try our famous banana nut muffin; that in itself will keep anyone coming back for more!” Melody Padilla from Egg Works/ Egg & I 

Joël Robuchon: This restaurant epitomizes luxury dining with its exquisite French cuisine. Renowned for its meticulous attention to detail, this Michelin-starred restaurant offers a sophisticated menu featuring beautifully crafted dishes like the signature lobster ravioli and truffle mashed potatoes. For those seeking the pinnacle of French gastronomy, Joël Robuchon delivers an unforgettable culinary journey.

Raku: Raku is a celebrated gem in Las Vegas for authentic Japanese fare, offering a cozy, intimate setting with an emphasis on traditional flavors and quality ingredients. Known for its exceptional skewers, such as tender yakitori and flavorful grilled meats, Raku also delights with dishes like crispy tempura and rich, savory ramen. The restaurant’s commitment to authenticity and its warm, inviting atmosphere make it a favorite among locals and visitors seeking a genuine taste of Japan.

Vegas Valley Winery: Great eats aren’t complete without a refreshing beverage. For wine lovers, Vegas Valley Winery is a must visit. “A winery in the desert? Yes! Vegas Valley Winery, the first and only winery in the Las Vegas area, has quickly become a favorite among locals. Located in Henderson, this winery provides a relaxing environment where visitors can enjoy expertly crafted wines made from grapes sourced from premier vineyards across the country. Locals love the cozy tasting room, and the variety of events hosted here, from wine and paint nights to live music. The friendly and knowledgeable staff make every visit a personalized experience, ensuring new residents feel right at home while discovering their new favorite wines.” Shared JB from Grape & Barrel

Enjoy the city’s nightlife

While searching for unique things to do in Las Vegas, ensure that you schedule time to soak up the nightlife. From chic cocktail experiences to speakeasy-type venues, the city has it all. Take a gander at the below recommendations for nighttime fun: 

The Chandelier Bar at The Cosmopolitan: The Chandelier Bar is a glamorous, multi-story lounge encased in a stunning, shimmering chandelier. The menu features a range of artisanal drinks crafted by expert mixologists, offering both classic and inventive options. Whether you’re seeking an elegant night out or a unique setting for socializing, The Chandelier Bar provides an unforgettable, upscale experience.

The Vault: This chic, speakeasy-style bar is renowned for its stylish ambiance and expertly crafted cocktails. With a focus on luxury and exclusivity, it offers a refined setting for enjoying meticulously prepared drinks in a sophisticated atmosphere. The bar’s elegant decor and impressive drink menu, featuring both classic concoctions and innovative creations, make it an ideal destination for a classy night out.

The Herbs & Rye: Known for its craft cocktails and vintage charm, the Herbs & Rye is a celebrated establishment in the Vegas area. With a speakeasy feel and a focus on high-quality, well-balanced drinks, it stands out for its spectacularly mixed cocktails and extensive menu. The cozy, retro ambiance and knowledgeable staff make it a favorite spot for those seeking a top-notch cocktail experience in a relaxed setting.

Photo courtesy of Andrew Thomas from The Life of Luxury

Experience the city’s art and culture

Las Vegas isn’t just about the glitz and glamor; it’s also home to a vibrant art scene. Be sure to check out the below-recommended experiences while in the city:

“The Bellagio Conservatory And Botanical Gardens is definitely one of the top attractions on the world-famous Las Vegas Strip. The 14,000-square-foot Botanical Gardens morphs five times each year, into a stunning display of colorful floral and music. Stroll through at your leisure and the best part is the exhibit is free! Visiting during the holiday season is both magical and breathtaking.” Shared Andrew Thomas from The Life of Luxury.

The Botanical Gardens came very highly recommended by our experts. Sharon & George also had spectacular things to say about the experience, adding in some great tips and tricks to make the most of your adventure there: “The gardens change with each season and the Lunar New Year.  It’s spectacular each time we go so we take a lot of beautiful photos. It’s beautiful, it smells great, and the soothing music creates such a relaxing stroll all the way around.  It’s amazing how everything is made from flowers, yet it looks so real.  The colors are so vivid that they’re beyond description. You just must see it. Visit the website to see the “dark dates” when they’re doing the construction.”  

Photo courtesy of Sharon & George Konold from Amazing Travel Inc.

During peak times and seasons, the crowd requires some patience, but they’re polite and they may offer to take a picture for you rather than your selfie.  A selfie stick is ideal for shots of you and yours with the unobstructed view of beauty behind you.  One year I did all videos instead of still photos because there’s always fountains, real fish and moving figures.  That’s why this is our must-see beauty in Las Vegas every time we visit.”  Sharon & George Konold from Amazing Travel Inc.

The Arts Factory: The Arts Factory in Las Vegas is a vibrant creative hub located in the Las Vegas Arts District showcasing the city’s dynamic art scene. Housed in a historic building, it features an eclectic mix of galleries, studios, and artist spaces. Visitors can explore contemporary artworks, attend gallery openings, and interact with local artists. With its diverse exhibitions and lively atmosphere, The Arts Factory offers an engaging and immersive experience for art enthusiasts and those curious about the local creative community.

The Arts District (18b): “Located in the lively Las Vegas Arts District, 18b is a vibrant spot known for its welcoming atmosphere, where live music, a creative menu including delicious vegan and gluten-free options, and dog-friendly events like “Yappy Hour” come together. Locals rave about the sense of community and the relaxed vibe, making it a great place for new residents to meet people, enjoy good food, and bring their furry friends along for the fun.” JB from Grape & Barrel

Photo courtesy of Andrew Thomas from The Life of Luxury

Pass the time with shopping and entertainment

For a luxury shopping spree, head to The Shops at Crystals. This high-end retail destination features designer boutiques and upscale stores, and is a great way to get in a few steps while browsing for items to add to your collection. Especially during the Christmas season when the area is adorned with spectacular decorations: 

“The Shops at Crystals shopping center at CityCenter is an incredible place to walk around. From one end to the other, this high-end shopping mall is filled with the top luxury brand retailers in the world. You can shop at Gucci, Louis Vuitton, Prada, Christian Dior, Jimmy Choo, Saint Laurent, FENDI, Dolce & Gabbana, and many more,” shares Andrew Thomas from The Life of Luxury. If you’re looking for more eclectic finds, explore Downtown Las Vegas, where local shops and unique boutiques offer a range of interesting items.

Sin City is synonymous with top-tier entertainment. Catch a show or production when looking for unique things to do in Las Vegas, or check out one of the amazing museums in the area: 

KÀ by Cirque du Soleil: “KÀ is definitely one of the must-see Cirque du Soleil shows in Las Vegas and likely the most elaborate and spectacular theatrical presentation you will ever see, anywhere! KA is special, Ka is mesmerizing, KA is a once in a life-time experience. Located at the MGM Grand Hotel & Casino, the non-stop action show delivers an intense display of breathtaking acrobatics, blended with unbelievable theater stage mechanics.” Andrew Thomas from The Life of Luxury

Photo courtesy of The Vox Agency

Atomic Museum: “At the Atomic Museum, we offer a unique journey through history that connects visitors with the pivotal moments that shaped our world,” said Rob McCoy, chief executive officer, Atomic Museum. “From exploring the dawn of the Atomic Age to understanding its lasting impact on science, technology and culture, our exhibits provide a thought-provoking and unforgettable experience for all ages.” Rob McCoy, CEO of Atomic Museum

Area15: “For those new to Las Vegas, Area15 offers a welcoming space to explore and unwind. This unique entertainment complex blends art, technology, and social experiences in a fresh and approachable way. It’s where you can wander through interactive exhibits, enjoy a casual meal with friends, or take in the creative atmosphere. With its variety of attractions, from immersive installations to cozy lounges, Area15 provides a great spot to connect with the local culture and find your own pace in the city. It’s a destination that encourages curiosity and offers something new to discover each time you visit.” JB from Grape & Barrel

Spend an evening in one of Las Vegas’ spectacular casinos

Of course, no trip to Las Vegas is complete without trying your luck at the casinos. Caesars Palace and The Venetian are among the most iconic, offering a range of gaming options from slots to poker. While they are certainly popular destinations, the constant change in their lively atmospheres still make them unique things to do in Las Vegas:

Caesars Palace: The casino at Caesars Palace is a sprawling, high-energy venue renowned for its grandeur and variety. It features an extensive selection of gaming options, from classic table games like blackjack and roulette to a wide range of slot machines. The casino’s luxurious design and high-stakes atmosphere offer an immersive gambling experience. With its impressive size and vibrant environment, Caesars Palace caters to both casual players and serious gamblers, making it a must-visit for casino enthusiasts.

The Venetian: The Venetian’s casino offers a sophisticated and expansive gaming experience, blending elegance with excitement. It features a broad array of gaming choices, including slot machines, poker tables, and classic table games like baccarat and craps. The casino’s Venetian-inspired decor, complete with grand architectural elements, enhances the immersive experience. Whether you’re a high-roller or a casual player, The Venetian provides a stylish and thrilling environment to try your luck and enjoy world-class gaming.

Photo courtesy of John Bognot from John Bognot Photography

Get out of the city and dive into nature

For outdoor enthusiasts, Las Vegas offers plenty of natural beauty perfect for hiking, biking, or a leisurely drive. One such place is Red Rock Canyon. Check out these words from our local experts on why it’s a place that you should prioritize when looking for unique things to do in Las Vegas:

“One of my absolute favorite activities in Las Vegas is mountain biking near Red Rock Canyon during the cooler months. The scenery is breathtaking, and it’s the perfect way to enjoy the natural beauty of the area” John Bognot from John Bognot Photography 

“When you think of Las Vegas, your mind goes to the lights and action that revolve around the Las Vegas Strip.  Beyond the strip, Las Vegas is home to some fabulous outdoor activities.  Red Rock Canyon is less than 20 miles from the Las Vegas Strip offering miles of hiking trails and rock climbing.” Don Cramer, real estate advisor at Vegas Homes NV

“One of the best places to visit and escape the city is to go for a motorcycle ride through the Red Rock scenic loop. It is a state conservation area and has a fee, but once you get in you will be greeted by beautiful red rock formations and slow 1 way traffic road with scenic pullouts. You wouldn’t believe you were still in Las Vegas and it offers the perfect escape, especially around sunset.” Maggie Hicks from Red Rock Harley-Davidson

While Red Rock Canyon is a great place to visit in the city, just beyond city limits lie some spectacular outdoor experiences. Take a gander at these suggestions from our local experts that are sure to captivate your senses:

“One standout experience we love is exploring the Valley of Fire State Park. Just a short drive from the city, it offers breathtaking red sandstone formations, ancient petroglyphs, and some of the most picturesque hiking trails in the region. It’s a perfect getaway for those looking to experience the natural beauty that contrasts the vibrant energy of the Strip.” Narmin Aliyeva from AirportTransfer.com

“When the summer heat kicks in, I like to escape to Lake Mead or Mount Charleston for a refreshing change of pace. Both spots offer a peaceful retreat and a chance to enjoy the great outdoors.” John Bognot from John Bognot Photography

Don Cramer, real estate advisor at Vegas Homes NV is also a fan of Lake Mead, sharing that it “offers many activities including boating, hiking trails and the 34 mile long River Mountain Trail for cyclists. If you are looking to stay close to home, residents will find miles of dedicated bike paths throughout the valley.  Whether you are looking to walk the dog or go for a run, the community of Summerlin has over 200 miles of trails connecting the villages. With almost 300 days of sun in Las Vegas, your ability to enjoy the outdoors is plentiful.” 

Picture courtesy of Sharon & George Konold from Amazing Travel Inc.

Finish off your Las Vegas adventure with a view of the city

While there are some spectacular scenic views of the natural variety in the Las Vegas area, don’t discount the views that can be seen of the city. One of the best ways to take in the cityscape is from the High Roller, a massive observation wheel offering panoramic views of Las Vegas. It’s especially beautiful at night when the city lights up. 

“Another family friendly attraction that we love is The LINQ High Roller. We enjoyed the half-hour ride up to the 550 foot top and then down the other side. You get unrivaled views of the Las Vegas Strip and Hotels. The evening with all the Las Vegas lights is good for families or adults. Purchase the Happy Half Hour Option and enjoy as many drinks as you can in the half hour trip. The cups were small, but our bartender quickly filled them up! I had 5 drinks, so one every six minutes made for a very fun time. Oops! I let a Vegas secret out.” Sharon & George Konold from Amazing Travel Inc.

Unique things to do in Las Vegas: Wrapping up

In summary, Las Vegas is a city of contrasts, offering everything from luxurious experiences and high-energy nightlife to serene natural escapes and rich cultural attractions. Whether you’re exploring the vibrant art scene, enjoying world-class dining, or taking in the breathtaking scenery, there’s always something exciting to discover in this dynamic city. Take heed of the suggestions from our experts above to find the most unique things to do in Las Vegas.

Source: rent.com

Apache is functioning normally

Security camera installation is a key component of creating a strong security system. Cameras can alert you to and record suspicious activity, and they can even use lights or noise to deter intruders. But be sure to avoid common security camera installation mistakes that can damage your camera, reduce visibility or even create privacy issues with your family and neighbors.

You can install security cameras indoors or outdoors, and they can be plug-in, wireless or both. There are infinite options for security camera placement, depending on the layout of your home, but not all placements are created equal. Here are some common errors to avoid when installing security cameras.

1. Privacy violations

Though the point of a security camera is to keep a closer eye on your property, there is such a thing as too much visibility. Cameras in places such as bedrooms and bathrooms can violate someone’s “reasonable expectation of privacy

.” State laws differ, but in general, it’s illegal to record someone without their consent in these spaces.

The expectation of privacy also applies to cameras looking into a neighbor’s property, especially if they’re hidden or you don’t tell the neighbors you’re surveilling them. They might have the right to legal action if the camera points into areas with a reasonable expectation of privacy

.

Though it likely won’t be an issue if some of your neighbor’s yard, for example, is visible from your outdoor camera, many camera providers, such as Ring, have a “privacy zone” feature that allows you to block out certain areas of the camera’s field of view.

2. Hiding the camera too much

It might seem like a good idea to install cameras facing a hard-to-see location such as a side alley or an upstairs window, but according to data from home security company ADT, most intruders enter through the front door, back door or an open first-floor window

. It’s often most important to install cameras in view of those high-traffic areas.

Also, hard-to-see locations might have more obstructions, such as an AC unit or overhang, that partially block the view of the camera. Look out for fast-growing trees and bushes, too, that can eventually grow in front of the camera’s view field.

Hiding the cameras themselves may also be counter-productive: a 2013 study led by a researcher from the University of North Carolina at Charlotte Department of Criminal Justice and Criminology found that most intruders check to see if a home has cameras or other alarm technology before attempting a burglary

.

3. Overexposure to heat, water and debris

The location of your security camera can make a big difference in its lifespan. Placing an electronic device in direct sunlight or near vents or heaters can damage the batteries or melt the adhesive if it’s a stick-on camera. Vents can also quickly cover your camera in dust or debris, reducing the visibility of the lens.

Also, only use designated outdoor cameras outside. Outdoor cameras have special features such as water resistance and durable construction so they can withstand the elements, and some, such as Blink, even offer weather-resistant plugs to connect to outdoor outlets.

4. Wrong motion detection range

Many security cameras use passive infrared technology to detect motion, which needs a specific distance range, angles and lighting to work properly. Detection range can vary by brand, but is typically around five to 20 feet from the camera.

Make sure to angle your camera down from above — some home security providers recommend installing security cameras at a height of around seven to 10 feet — for prime motion detection. Installing a security camera higher up can also prevent tampering. Angling up from below, on the other hand, may be more likely to trigger alerts for cars, birds or waving trees.

Also, don’t use an indoor camera to monitor outdoor areas through a window. The glass can block the infrared motion detection, and sun glare can throw off the camera’s view.

Frequently asked questions

Source: nerdwallet.com