15 yellow home accessories to add warmth and sunshine to any room – Countryliving (UK)

yellow home accessories

Emma Bridgewater

Yellow home accessories are brilliant to brighten up your interiors, create a lively atmosphere, and add warmth and colour to any room in the house.

One of best qualities about yellow is that it complements almost every other interior scheme — from white to pink, blue and green. There are also lots of shades of yellow available, including bright sunshine hues and more muted mustard tones.

Searching for yellow home decor accessories? From mugs to cushions and seriously soft throws, take a look at some of our favourite key pieces to buy now…

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Yellow flowers — Yellow Home Accessories

8pk Artificial Mimosa Yellow Spray 88cm



These artificial mimosa blooms are perfect for brightening up a dull day. Crafted with several small yellow pompom buds, each bunch features a long realistic twig stem. 


Floral mug — Yellow Home Accessories

Primrose 1/2 Pint Mug

Primrose emmabridgewater.co.uk



Storage basket — Yellow Home Accessories

Yellow Checked Seagrass Storage Basket Medium



Clear away clutter at home with this on-trend checked seagrass storage basket. Perfect for tidying toys, blankets, books and other knick-knacks. 


Bee cushion — Yellow Home Accessories

Zhurie Yellow Velvet Bee Embroidered Cushion



Brighten up your bedroom with Oliver Bonas’ sweet yellow velvet embroidered bee cushion. It’s right at the top of our wish list…


Yellow clock — Yellow Home Accessories

Newgate Clocks Silent Sweep Analogue Mantel Clock, 16cm, Mint

john johnlewis.com


Keep track of time with this silent sweep analogue clock. The soft yellow tone will bring character and charm to any mantlepiece. 


Wall art — Yellow Home Accessories

Dining Living Room Feather Prints

MyDawsy etsy.com


In a striking mustard hue, these feather prints will look brilliant placed in a hallway, dining room or bedroom. Better still, they’re just under £12 for a set of three. 


Lemon squeezer — Yellow Home Accessories

Lemon Squeezer, Yellow

johnlewis.com johnlewis.com


A must-have for any kitchen, this affordable lemon squeezer will bring a touch of spring to your drawer. 


Yellow toaster — Yellow Home Accessories

SMEG 2-slice toaster

SMEG selfridges.com


Breakfast just got a stylish upgrade with this scene-stealing SMEG toaster in vibrant yellow. Get the matching kettle to complete the look. 


Stylish cushion — Yellow Home Accessories

Elin Cushion, Yellow

John Lewis johnlewis.com


Intertwining yellow with grey, this stylish printed cushion from John Lewis ticks all the right boxes. Top tip: match with plain cushions in complementary colours for a bold, modern look.


Practical bowls — Yellow Home Accessories

House by John Lewis Stoneware Cereal Bowls, Set of 4, Grey

House by John Lewis johnlewis.com



Wool blanket — Yellow Home Accessories

Must Relax Virgin Wool Blanket – 130x190cm – Curry



Keep cosy on a chilly evening with this gorgeous 100% wool blanket. With long finished fringes and a discretely embroidered JAG beetle, it’s the ideal accessory for every home. 


Plant pot — Yellow Home Accessories

Semilla Yellow Ceramic Plant Pot Small




Candle — Yellow Home Accessories

Molton Brown Orange and Bergamot Single Wick Candle

Molton Brown lookfantastic.com


On the hunt for a sweet-smelling candle? With notes of orange and bergamot, why not add this one from Molton Brown to your wish list? 


Ceramic mugs — Yellow Home Accessories

Mustard Stoneware Mug



This beautiful hand-crafted ceramic mug is the perfect addition to any kitchen. Why not get one for yourself and buy one for a friend too? 


Striped vase — Yellow Home Accessories

Wide Juice Striped Glass Vase – Yellow



Proudly display your fresh blooms or dried foliage with this wide striped glass vase. We couldn’t think of a better way to brighten up a living room shelf. 

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Source: countryliving.com

How Are Mortgage Rates Determined?

Buying a home is a major financial undertaking. After all, the median home listing price in the U.S. was nearly $230,000 in 2019, and the prices have only gone up since then. If you need to obtain a mortgage loan to complete the purchase, it can get even more expensive.

When you add in a mortgage loan, you’ll also be adding in interest on the money you borrow for your home purchase. The amount of interest you’ll pay hinges on current mortgage rates, so it’s well worth knowing where they’re at — and how they work.

The good news is that right now, mortgage rates are at an all-time low. So while buying a home isn’t cheap, you can save a ton on interest if you make a move while rates are at bottom rung levels. Before you take the leap, though, you’ll need to know how your mortgage rate is determined and how that affects your loan.

[ Read: Compare Today’s Best Mortgage Rates ]

In this article

What factors determine mortgage rates? 

Let’s start by answering the question: how does mortgage interest work? You’ll either have a fixed mortgage interest rate or a variable rate, depending on the type of mortgage you choose.

Fixed-rate mortgages are more popular because they provide an interest rate that never changes over the life of the loan. The rate you start with is the rate you end your loan with. That gives you predictable monthly payments that won’t change.

Variable rates, on the other hand, are interest rates that can change with the market over the life of your loan. These rates start out as fixed for a period of time and then change to rates that fluctuate depending on the market and other factors.

No matter which type you opt for, your mortgage rate will determine how much interest you’ll pay for the money you borrow over the life of your loan.

[ Read: How to Calculate Your Mortgage ] 

But how do interest rates work, and how are they determined, when it comes to a mortgage loan? A handful of factors play a role in determining average rates in the market, which is the starting point for the rate you’ll be offered. You also bring unique factors to the table — like your credit score and your other existing debts — and these factors will further shape the rate you get.

So, how are mortgage rates determined? Here are the broad strokes that lenders consider:

  • Market rates: It’s a common misconception that the Federal Reserve sets mortgage interest rates, but that’s not true. Mortgage-backed securities (MSBs) are the driving force here. Most lenders only hold a mortgage for a short period of time before bundling it with other mortgages and selling it to investors as a MSB.

When there’s a lot of demand for MSBs, mortgage rates generally go down. Case in point: today’s low mortgage rates. Because the economy has been unsteady in the last year, people are turning to safe investments, including MSBs. With more demand for these bundles of mortgages come lower rates.

  • The type of mortgage you want: In general, you’ll pay more in interest for a 30-year mortgage than for a 15-year mortgage loan because you’re paying the interest for a longer period of time. The rates are often lower for shorter-term loans, too. If you choose a mortgage with a variable rate, like a 5/1 adjustable rate mortgage, the rate can, and will, change over time.
  • Your financial details: Specifically, lenders look at three numbers: your credit score, your debt-to-income ratio and your loan-to-value (LTV) ratio.
    • Credit score: You know the drill here. Higher is better.
    • Debt-to-income ratio: The debt-to-income ratio factors in all of your debts, like student loans or car payments, and compares them against your income. If too much of your money coming in is eaten up by debts, lenders will have concerns — and will usually charge you a higher interest rate. You want this ratio to be no higher than 36%, and lower is better.
    • LTV: This is the amount of money you’ll need to borrow (the loan) compared against the overall value of the house. Basically, it’s the size of down payment you’ll be able to make. A smaller down payment means a higher LTV ratio, which is riskier for lenders. As a result, you’ll get a higher mortgage interest rate.
  • Their own interests: Some lenders specialize in certain types of mortgages and, as a result, might offer you a better rate for those. Some lenders decide certain factors matter more than others (e.g., credit score over LTV). Ultimately, lenders will only fund a mortgage for you if they think it serves their best interest. The more optimistic they feel about you repaying your loan, the lower rate you’ll be able to land.

You can’t shape a lender’s priorities or the market. You can, however, control your own financial profile and planning. Work on your credit score, pay off your other debts as much as possible and save up for a larger down payment. This will help you get the lowest mortgage rate possible.

Do mortgage rates vary between lenders? 

Mortgage rates do vary between lenders — and the differences can be significant. So how are mortgage rates determined from lender to lender? Each has its own underwriting guidelines, meaning it will look at specific things about you, your finances and your future home. All told, during underwriting, the lender is trying to decide if you’re someone who will reliably repay your mortgage. If they consider slightly different factors than another lender, they may offer you a slightly different rate.

On top of this, some lenders work in niche markets. For example, if you have a less-than-ideal credit score, you might be able to get a lower rate by working with a lender who specializes in loans for people with poor credit.

Lenders can also offer different rates for different loan products (e.g., 30-year fixed, 15-year fixed, 5/1 adjustable rate mortgages, investment property mortgages).

[ Read: Best Investment Property Mortgage Rates ]

To compare rates between lenders, make sure you’re comparing apples to apples. At the start of this year, for example, 30-year fixed rate mortgages had an average interest rate of 2.87%, while 15-year fixed rate mortgages had a much lower average interest rate of 2.34%. You’ll almost always get a lower interest rate for a shortage mortgage, so double-check that any mortgages you’re comparing have the same loan term.

You’re also not stuck with the lender you originally choose. You can explore refinancing with a different lender down the road. The caveat here is that a refi usually comes with a new set of closing costs. In other words, it isn’t cheap.

[ Read: Today’s Best Refinance Rates ]

How the Fed’s decisions affect mortgage rates 

As noted, many people think that the Federal Reserve’s funds rate determines mortgage rates. It doesn’t — not directly, at least.

To better understand, it’s important to answer the question of how do interest rates work in general? It all comes down to how risky the lender perceives the loan to be. More risk means a higher interest rate.

But when times are economically shaky, the Fed steps in to ease concerns. Otherwise, lenders might be more hesitant to loan money. That, in turn, would mean less purchasing across the economy, worsening the state of overall financial affairs.

So how does the Fed help the situation along? It lowers its funds rate, or the rate at which banks can lend each other money. With this lower rate, money can flow more freely, keeping the economy moving.

[ Read: How the Federal Reserve’s Decisions Affect Your Finances ]

Because it affects banks’ access to money, the Fed funds rate shapes the prime lending rate, or the rate banks charge their most creditworthy customers. Mortgage lenders generally base their rates on the current prime lending rate.

So, technically speaking, the Fed’s rate doesn’t directly touch mortgages at all. But because the effects of their funds rate trickles outward, it does impact a broad variety of lending programs. When that rate goes down, other rates — including mortgage rates — tend to follow.

All this said, the Fed did directly impact mortgage rates during the COVID-19 pandemic. To shore up the economy, they bought more than $1 trillion in MSBs. The heightened demand for these mortgage bundles drove rates even lower, and those low rates were passed on to the buyers. That’s why we’re seeing such a huge uptick in home sales at the moment.

Compare top mortgage lenders

We welcome your feedback on this article. Contact us at inquiries@thesimpledollar.com with comments or questions.

Source: thesimpledollar.com

Up to 150,000 points and $150 credit: Here are the latest Hilton credit card offers

Up to 150,000 points and $150 credit: Here are the latest Hilton credit card offers

Advertiser Disclosure

Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Please view our advertising policy page for more information.

Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Source: thepointsguy.com

Debunking credit card myths: What can you do if your application isn’t immediately approved?

Debunking credit card myths: What can you do if your application isn’t immediately approved?

Advertiser Disclosure

Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Please view our advertising policy page for more information.

Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Source: thepointsguy.com

American Express Denver International Airport (DEN) Centurion Lounge To Open 2/1/21

American Express has announced that the Centurion Lounge at Denver International Airport (DEN) will open on February 1st, 2021. The lounge is located in Concourse C just past Gate C46 on the mezzanine level and is open from 7AM to 3PM. The lounge is over 14,000 square feet and contains the usual drinks and food that AmEx members are accustom to.

This is the 14th Centurion lounge that American Express has opened. American Express originally stated that this lounge would becoming sometime in 2019, but I don’t think we’ve ever seen a Centurion lounge open on time.

Source: doctorofcredit.com

The Counteroffer: Negotiating a Real Estate Deal

A lot can happen between an initial offer and closing day. Meet the counteroffer …

Buying a home is rarely as simple as making an offer and paying that offer out. Negotiations can go back and forth for weeks before the seller and buyer are both satisfied.

The vehicle for this negotiation is the counteroffer — a vital and complex rejection and counter to an offer made by either party. Counteroffers are typically handled between real estate agents and are time sensitive.

Selling or buying a home is more of a process than a transaction, so it’s important to understand counteroffers before you make your first offer.

Why was I countered?

As a home buyer, if you make an offer below list price, the seller may choose to reject, accept or simply let the offer expire. If there are multiple offers, the listing agent will lay out the options for their client and then notify all buyers’ agents of the choices.

Sellers may also counter your proposed closing date. If they need to move out quickly, they may want to push it earlier. They may also ask to rent the property for a time after the settlement.

Price and closing date negotiations are common from both parties, but there are even more reasons sellers can potentially get countered.

The condition of the home is likely the biggest factor here. As home buyers conduct ongoing research into the home, any problems with the condition of the house can result in a counteroffer.

If you’ve chosen to take appliances with you when you move, buyers may also look to negotiate for those.

Appraisals are another reason for counteroffers. If an appraisal comes in below the agreed-upon sale price, it will affect the amount the mortgage company will lend to the buyer.

Negotiation power

When reviewing a counteroffer, it’s important to have an experienced real estate agent who can capitalize on your advantages in a negotiation. Both sellers and buyers can take steps to put themselves in an advantageous position through planning and smart counteroffers.

Knowledge is power in negotiations, so try to glean as much information about the seller or buyer as you can. Your agent will also seek information from the other agent on your behalf.

Sometimes sellers use the pending sale of their home to finance another, meaning they have a truncated timeline and could be more eager to make a deal. Similarly, buyers who have terminated a lease may be desperate for a place to live and more willing to negotiate.

If you’re selling a home with known issues, anticipate how these problems may put you at a disadvantage during negotiations. A leaky roof may not be discovered until after buyers order a home inspection. Depending on the cost, they may ask the seller to either fix the roof or deduct the cost of a new roof from the sale price.

These types of issues put sellers at a distinct disadvantage because they have to either pay for repairs, lower the selling price, or reject the counteroffer and hope the next buyer doesn’t notice or care about repairs.

This is why it’s worth the money (around $500) to pay for an inspection before listing a house. Preparation can save you headaches and money down the road.

Responding to a counteroffer

If you’ve received a counteroffer as a buyer or a seller, carefully review every aspect. Real estate agents, apart from yours, are under no obligation to ensure you read the full contract. So make sure you read everything carefully before you sign.

With each individual counteroffer, consider every aspect of the sale, including old and new information. If you made an offer above the list price, there is always the possibility for an appraisal to come in low.

If you are responding to a counteroffer before an appraisal or inspection, keep those at the forefront of your mind. Prepare yourself for future counteroffers once they are completed.

Whether you’re selling or buying a home, establish a baseline for when you will walk away from a sale. As a buyer, you don’t want to spend so much on a home that you move in with no cash for improvements and repairs. And as a seller, you should know how much you want to make off the sale.

With a measured and informed approach, counteroffers can be your friend. Communicate often with your agent to let them know what you want from the sale, and never be afraid to walk away if things go south.

Top featured photo from Shutterstock.


Note: The views and opinions expressed in this article are those of the author and do not necessarily reflect the opinion or position of Zillow.

Originally published October 25, 2016.

Source: zillow.com

Call Center Manager Pleads Guilty to $2.5M Mortgage Scam

A call center manager in Everett, Washington used many thousands of bogus mail ads to bilk about 1,000 homeowners out of $2.5 million, according to federal charges. So reports the Everett Herald.

Josh Herrera, 34, has pleaded guilty to conspiracy to commit wire fraud in connection with the allegations.

The ads falsely told homeowners that their mortgage rates could be cut to 2% and their principal balance lowered by $140,000 under a new government program.

Read the full article from Everett Herald.

Source: themortgageleader.com