• Color Trends in Home Design for 2023 ,Sonny Zahn

    Color Trends in Home Design for 2023 

    Are you looking to give your home a fresh new look? If so, you’ll want to stay on top of the latest color trends in home design. Here we’ll discuss the most popular colors that will be used in homes throughout 2023.  Neutral Colors  Neutrals are always popular because they can be used as a backdrop for any type of décor. In 2023, expect to see a lot of shades of grey, taupe, and ivory. They offer the perfect balance between simplicity and sophistication. Also, when used with bolder colors, neutrals can provide a great contrast that helps make other colors pop.  Rich Earth Tones  Colors like deep yellows and muted oranges will be making a comeback this year. These colors are perfect for creating an inviting atmosphere while also providing a sense of warmth and comfort. A few splashes of these colors here and there can really liven up any room without being too overwhelming.  Jewel Tones  The bolder color palette isn’t going anywhere either! Jewel tones like sapphire blue, emerald green, amethyst purple, and ruby red will still be very popular for adding drama and energy to any space. One way to use jewel tones is by painting one wall with an accent color or using them as accents throughout your home on furniture pieces or artwork.   It is exciting to see what trends will emerge each year in home design! For 2023 it appears the trend is leaning towards earthy tones with pops of vibrant jewel tones here and there for added personality. So if you are looking to give your home a fresh new look this year, keep these colors in mind! Women who love experimenting with style can use these colors to their advantage by creating unique looks that reflect their personal taste while still staying up-to-date with current trends in home design.

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  • The Most Popular Dog in America in 2022,Brian Weinzetl

    The Most Popular Dog in America in 2022

    Every year, the American Kennel Club (AKC) releases a list of the most popular dog breeds in America. The list is compiled using data from the AKC's registration statistics. This year, the Labrador Retriever reclaims the top spot after being dethroned by the French Bulldog in 2020. Here are the top 10 most popular dog breeds in America for 2021, according to the AKC. #1 Labrador Retriever - 86,738 registrations#2 French Bulldog - 69,562 registrations#3 Golden Retriever - 65,421 registrations#4 German Shepherd Dog - 48, 547 registrations#5 American Staffordshire Terrier - 35,825 registrations#6 Beagle - 33,372 registrations#7 Bulldogs - 27,893 registrations#8 Poodle - 24,055 registrations#9 Rottweiler - 22,292 registrations#10 Yorkshire Terrier - 19,435 registrations  Labrador Retrievers have been the most popular breed in America for 29 years in a row! They are loyal, obedient, and good-natured dogs that make great family pets. They are also relatively easy to train and are known for being food-motivated—which comes in handy when trying to teach them tricks!  French Bulldogs are the second most popular breed in America. They are friendly, affectionate dogs that get along well with children and other pets. They do not need a lot of exercise and are content to lounge around the house all day. They are also relatively easy to groom—a big plus for busy families!   If you're looking for a new furry friend to add to your family, you can't go wrong with one of these popular breeds. Labrador Retrievers and French Bulldogs are both excellent choices for families with kids and/or other pets. Golden Retrievers and German Shepherds are also great choices if you're looking for a loyal and obedient canine companion. Whatever breed you choose, be sure to do your research so that you understand all of the necessary care and training requirements involved. And most importantly—have fun!Adding a new furry family member is an exciting time!

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  • Mortgage Insurance 101: Everything You Need to Know,Brian Weinzetl

    Mortgage Insurance 101: Everything You Need to Know

    For many homebuyers, mortgage insurance is a necessary evil. It's an added expense that serves little purpose other than to line the pockets of the insurance company, but it's required if you're putting less than 20% down on a home. In this article, we'll explain everything you need to know about mortgage insurance so that you can make an informed decision when you're shopping for a home loan. What is Mortgage Insurance?Mortgage insurance is an insurance policy that protects the lender in the event that you default on your loan. If you stop making payments on your mortgage, the lender will still be protected (up to a certain point). This type of insurance is typically required if you're putting less than 20% down on a home, as it's seen as extra protection for the lender.  What Does Mortgage Insurance Cover?Mortgage insurance covers the lender for any losses that they may incur if you default on your loan. This includes things like the balance of your loan, as well as any legal fees associated with foreclosing on your home.  How Much Does Mortgage Insurance Cost?Mortgage insurance typically costs between 0.5% and 1% of your loan amount annually. So, if you have a $100,000 loan, you can expect to pay between $500 and $1,000 per year in mortgage insurance premiums.  When Do I Have to Pay Mortgage Insurance?  Most mortgage insurance policies require that you pay premiums monthly, along with your regular mortgage payment. However, there are some policies that allow you to pay in one lump sum at closing.  Mortgage insurance is an important part of getting a home loan, especially if you're putting less than 20% down on the property. While it's not ideal to have to pay for this type of insurance, it does protect the lender in the event that you default on your loan. Be sure to shop around for the best mortgage insurance rates so that you can save as much money as possible.

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