Home & Garden

Home & Garden

The Mortgage Professor: Can mortgage shoppers rely on the APR?

APR stands for "annual percentage rate," designed to be a comprehensive measure of the cost of credit that mortgage borrowers could use to compare loans offered by different lenders, or loans with different features. The APR adjusts the interest rate to take account of all loan fees paid up front by the borrower to the lender. (Note: It does not take account of fees paid to third parties, such as appraisers or title insurers). Mortgage shoppers confront the APR as soon as they search for interest rate quotes, because the law requires that any mortgage interest rate quote by a loan provider must also show the APR.

Home & Garden

The Mortgage Professor: Can mortgage shoppers rely on the APR?

APR stands for "Annual Percentage Rate," designed to be a comprehensive measure of the cost of credit that mortgage borrowers could use to compare loans offered by different lenders, or loans with different features. The APR adjusts the interest rate to take account of all loan fees paid up front by the borrower to the lender. (Note: It does NOT take account of fees paid to third parties, such as appraisers or title insurers). Mortgage shoppers confront the APR as soon as they search for interest rate quotes, because the law requires that any mortgage interest rate quote by a loan provider must also show the APR.

Home & Garden

Move over, minimalism: wabi-sabi will be the No. 1 decor trend of 2018

Sleek, sparse minimal interiors might photograph well, but they can also be a pain to keep tidy in real life. After all, messiness is an inevitable part of everyday life, and our homes should be inviting and encourage play – not instill fear at the thought of a spill. If you've never quite been able to get on board with the pared-back, minimal homes that have dominated Pinterest for the last few years, Etsy's in-house trend forecaster Dayna Isom Johnson says the No. 1 trend for 2018 is made for you.

Home & Garden

Style at Home: How to trim your tree

I love big, grand Christmas trees. But in my snug little cottage, we just don't have the room. So this year, I'm trying something different. To get the illusion of a large tree, I'm putting a 5-foot tree into a garden urn, then hoisting it up onto the desk that sits behind the sofa in our living room. We won't have much room for gifts underneath, but that's OK. The stacks of presents we buy this year will all be under Maeve's Christmas tree.

Home & Garden

Yardsmart: Save a strain by decorating with corn

If we stopped cultivating corn, it would soon become extinct. This is because corn cannot grow as a volunteer or weed. Although kernels are fertile seed, their presence on a cob is so dense they sprout and die in a mass of seedlings. The corn we know today is Zea maize, a species that was literally created by human beings. They dramatically changed its grassy progenitor, teosinte into the productive plants we know today.

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