Tuesday, April 30, 2024

Bohemian House of Espresso + Chai, Los Angeles Menu, Reviews 310, Photos 84

bohemian house of espresso + chai

Nestled into the heart of downtown Los Angeles, this Black Owned vintage-inspired coffee shop, Bohemian House of Espresso + Chai, is a hidden gem offering a cozy atmosphere and an artistic spirit that lives up to its name. Order your favorite flavors and make sure to share them with your friends. Enjoy a cup of true bohemian coffee experience or a quick espresso shot on the go. Molly is a writer and content creator currently residing in Los Angeles, California with a professional background working in travel, hospitality and tourism PR. In her role supporting content creation and media relations at Metrolink, Molly writes about activities Metrolink riders can enjoy in the surrounding Greater LA area and works with the Metrolink communications team on ideating and implementing media relations strategies.

bohemian house of espresso + chai

Hilltop Coffee + Kitchen

The walls are lined with plants, offering a sense of life, and the old-timey black-and-white photos adorn the walls giving the space an artsy feel. Retro cafes, art galleries, and youth program providing training in tech, media, and design - LA’s Black-owned coffee shops are changing the world. Los Angeles' Little Tokyo offers an authentic glimpse into Japanese culture through food, music, visual and fine arts. Just had the most delightful experience at Bohemian House of Espresso + Chai!

The insider’s view of Downtown’s culture, food, drinks, and the people who shape it.

The ambiance was so cozy and inviting, with eclectic decor and a laid-back vibe that made it the perfect spot to unwind. Sign up to unlock our digital magazines and also receive the latest news, events, offers and partner promotions. Bloom & Plume is a very colorful, very vibrant coffee shop in Historic Filipinotown. Since 1917, this historic food emporium has been hosting food vendors and florists, with events like game nights, movies and more. Sign up for updates on Downtown's favorite places, events, news, and our latest issues.

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Bohemian House Of Espresso + Chai

Bohemian Alchemist coffee shop opens in Del Mar village - Del Mar Times

Bohemian Alchemist coffee shop opens in Del Mar village.

Posted: Thu, 11 Nov 2021 08:00:00 GMT [source]

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bohemian house of espresso + chai

Go Back in Time by Designing a Home Speakeasy

speakeasy design ideas

“Try layering a printed wallpaper border atop a plain painted wall; a clever way to add character to an otherwise monotonous space,” says designer Angela Harris of Denver-based TRIO. Unlike the cheesy and too-country patterns of yesteryear, companies are releasing contemporary motifs, like the newly launched Lick X Kelly Hoppen CBE wallpaper borders that make minimalism timeless. “There is a return to warmer tones in design with a desire for more of a lived-in, comfortable feel,” Galloway says. “Limewash creates a sense of old mixed with new and allow a room to have a moodier feel.” She encourages the trying out limewash in entryways or powder rooms to give those spaces more depth.

Employ storage in unconventional spaces

For my garage, I needed 2 of the 8′ x 30′ walls to create the alley (so 4 of the scene setter rolls altogether). And since the Great Gatsby was set in the 1920’s during prohibition, I decided to set up the entrance like a speakeasy. As you can probably guess by the name, a wet bar is one that has plumbing. A dry bar is usually more of a stand-up area where you can mix and serve drinks. “A speakeasy should be its own space different from the rest of the home—like you’ve stepped into a hidden gem.

The Most Beautiful Speakeasy Interior Designs Ideas

How to Build a Speakeasy at Home - Mansion Global

How to Build a Speakeasy at Home.

Posted: Wed, 29 Sep 2021 21:07:48 GMT [source]

HGTV even has a whole television show devoted to this type of design. The likes of Granny Chic , Modern Farmhouse, and Cottagecore, all homogenize at least two vibes into one. That’s exactly what speakeasy design has had to do to make its entrance into contemporary design schemes. "Kitchens don't look so 'kitchen-y' when striking wallpaper is applied in lieu of backsplash, the ceiling is given special treatment, and when a light fixture is anything but ordinary."

Art Deco Wall Accents

For this, you are going to want to first consider the layout of your system and where all the basic parts are going to go. 'When designing your basement home bar, always take comfort and accessibility into account. While the size and layout largely depends on the available space, also consider how many people you plan to entertain at any given time. Most standard home bar designs are at least 6’ long to accommodate three bar stools.' says Victoria Suto of KegWorks. After the brick wall and ceiling were attached, I let them fully cure for 7 days before adding any décor to the walls.

Exposing the beauty of brickwork can add character while emphasizing the rustic charm inherent to speakeasies. There’s a rugged allurement about it that recalls Prohibition times, and it serves as an excellent backdrop for your decor. While primarily decorative, these drapes also maintain the practical benefit of added privacy, completely encapsulating the concealed experience that makes a speakeasy bar truly special.

Display artwork with flair

'It is often a misconception that dark colors make a room feel smaller. In fact, this can work brilliantly in compact spaces, and can help a room to feel co-ordinated and cozy. Paint is a great way to define a space, so don’t be afraid to introduce different colors to the walls. We love to mix it up with different tones to create interest but also to reflect our clients’ individual style and personality.' explains Jen & Mar from Interior Fox. This article will guide you through the key elements of speakeasy decoration, offering ideas to transform your space into an authentic prohibition-era hideaway. Whether you’re redecorating an entire room or just adding a few vintage touches, you’ll find plenty of inspiration and practical advice here.

Go Back in Time by Designing a Home Speakeasy

"I think British-style, natural wood cabinetry with antique hardware will be popular in 2023," notes Laura Hodges, a designer in the Baltimore/Washington, D.C. "More traditional details like reeded glass, turned legs and picture paneling seem to be on the horizon as well." Make like designer Nick Olsen and add major wow-factor to your home by incorporating patterns and furnishings that deceive the eye. Take a peek inside his Dutchess County, New York, home to get inspired by clever takes on wall coverings, textiles, and floor designs that go way beyond the basic. If your bathroom floors or walls need a facelift, plan to go retro with hexagons, rhomboids, and circles, Gardemal advises. “These tile shapes have made appearances for hundreds of years and though the shapes aren’t new, the variety of tile sizes available has given them a refresh,” he explains.

Biophilic design is a top trending interior design style for 2022 and years to come

This Once-Unfinished Basement Is Now a Speakeasy-Style Workspace - House Beautiful

This Once-Unfinished Basement Is Now a Speakeasy-Style Workspace.

Posted: Thu, 19 Aug 2021 07:00:00 GMT [source]

Hebe joined the Real Homes team in early 2018 as Staff Writer before moving to the Livingetc team in 2021 where she took on a role as Digital Editor. She loves boho and 70's style and is a big fan of Instagram as a source of interiors inspiration. When she isn't writing about interiors, she is renovating her own spaces – be it wallpapering a hallway, painting kitchen cupboards or converting a van.

speakeasy design ideas

“Grasscloth or faux skin wallpaper give a desk or a console a totally new look.” Another approach is to simply tackle a piece’s legs. Well, we have you covered (plus might we add, you are winning at life). Basements get a bit of a bad rap for being dark, dank spaces, with no light and low ceilings, but don't let any of those deter you from creating your very own speakeasy. They can be transformed into gorgeous, stylish, light-filled spaces that you will be desperate to get entertaining in. Dedicating a section of your speakeasy to a poker table not only adds to the authentic feel but it’s a great entertainment area, as card games were a popular past time during this era. Opt for a vintage, dark wood poker table to keep with the 1920s ambience.

Consider unique style elements such as geometric patterns and sharp, clean lines, a notable Art Deco signature. Equipping your speakeasy with the right seating is essential in achieving a genuine 1920s vibe. Antique bar stools, with their often weathered finish and distinguished craftsmanship, perform this task stylishly. Opt for styles from the period showcasing design features such as carved wood, brass or iron foot rails, and upholstered seats in dark leathers or patterned fabrics. If you've been searching for the right opportunity to add more style, vigor and comfort to your space, you'll appreciate this list. We checked in with professional designers and industry players for their take on the top interior design trends for 2023.

The amount you’ll need will depend on your ceiling measurements and the size of the tile you choose. You may also need to trim some of the faux tiles with a scissor or utility knife to get a perfect fit. “We like to take the speakeasy vibe of the Roaring Twenties and update it for today’s look with a modern twist. We often create stylish wet bars that evoke a big city vibe in style and palette with direct lighting over the bar and shelves of liquor behind it. Today, we’re no longer limited by Prohibition, but speakeasies remain popular for their VIP vibes.

Suitable for mounting on the wall or displaying on a shelf, these hats evoke the style of 1920s gentlemen. Vintage store trawls and online hunting can open up a world of varied styles – from wide-brimmed to trilby, wool to straw. Don’t forget to consider hats with classic ribbon bands, feather accents, or worn textures to enhance the antique feel. Enhancing the mystery and warmth of a speakeasy-themed space, the right choice of illumination is crucial.

In the roaring 20’s, prohibition made events with alcohol go underground and speakeasies with special pass codes and hidden entrances became the norm. I used that as the inspiration for my Great Gatsby party entry way with these speakeasy party entrance decor ideas. Transporting your home back to the roaring 20s with speakeasy style is an exciting design challenge.

To attain an unmistakable touch of the past, consider incorporating these tiles. Their decorative potential is enormous, ranging from simple geometrical patterns to intricate floral designs. They transform a normal ceiling into an element of surprise and detailing. To bring this aesthetic into your speakeasy, consider high-quality reprints, remembering that subject matter and color scheme should align with the overall vibe of your space. Plus, they feel just as exclusive with their secret entrances, passwords, and ​​hard-to-find locales.

Bohemian House of Espresso + Chai Restaurants in Downtown Historic Core, Los Angeles

bohemian house of espresso + chai

The ambiance was so cozy and inviting, with eclectic decor and a laid-back vibe that made it the perfect spot to unwind. Sign up to unlock our digital magazines and also receive the latest news, events, offers and partner promotions. Bloom & Plume is a very colorful, very vibrant coffee shop in Historic Filipinotown. Since 1917, this historic food emporium has been hosting food vendors and florists, with events like game nights, movies and more. Sign up for updates on Downtown's favorite places, events, news, and our latest issues.

Social Media

bohemian house of espresso + chai

The walls are lined with plants, offering a sense of life, and the old-timey black-and-white photos adorn the walls giving the space an artsy feel. Retro cafes, art galleries, and youth program providing training in tech, media, and design - LA’s Black-owned coffee shops are changing the world. Los Angeles' Little Tokyo offers an authentic glimpse into Japanese culture through food, music, visual and fine arts. Just had the most delightful experience at Bohemian House of Espresso + Chai!

The insider’s view of Downtown’s culture, food, drinks, and the people who shape it.

Nestled into the heart of downtown Los Angeles, this Black Owned vintage-inspired coffee shop, Bohemian House of Espresso + Chai, is a hidden gem offering a cozy atmosphere and an artistic spirit that lives up to its name. Order your favorite flavors and make sure to share them with your friends. Enjoy a cup of true bohemian coffee experience or a quick espresso shot on the go. Molly is a writer and content creator currently residing in Los Angeles, California with a professional background working in travel, hospitality and tourism PR. In her role supporting content creation and media relations at Metrolink, Molly writes about activities Metrolink riders can enjoy in the surrounding Greater LA area and works with the Metrolink communications team on ideating and implementing media relations strategies.

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Bohemian House Of Espresso + Chai

bohemian house of espresso + chai

Bohemian House of Espresso + Chai Restaurants in Downtown Historic Core, Los Angeles - Time Out

Bohemian House of Espresso + Chai Restaurants in Downtown Historic Core, Los Angeles.

Posted: Fri, 08 Apr 2022 07:00:00 GMT [source]

2024's Top Nail Extension Designs: Trendy, Classy & Wedding Styles

nail extension design

Unlike the 3D nail art that is made separately from the nail, embossing is a raised design created on the nail itself. This look comprises a lovely lavender shade in matte, some silver glitter, and sunflowers. Coordinate your fingers and toes in a subtle way by choosing a plain polish that complements the nail art without perfectly matching.

Vogue Beauty

In our own trials with the brand, we were impressed by the soft, voluminous hair quality, plentiful styles, and inclusive shade offerings. However you wear your hair extensions is completely up to you, but having options on hand for your next formal beauty look or daily glam is helpful. And so, here are the seven best hair extension brands to consider. Butterflies symbolize hope, transformation, rebirth, and freedom. This DIY 3D butterfly nail art combines simplicity with elegance, allowing you to showcase a flutter of creativity and your carefree nature at your fingertips effortlessly. If you like to keep it unconventional and funky, then you will probably like this cute bow tie nail art.

Brittle Nails

Besides, not taking good care of your nails can also damage your nails permanently. So here are some tips that you can try and observe as your aftercare and Maintainance of the nail extensions. It is done with grey and black ombre which looks like a night sky. The little white dots and the shining effects look like stars which are quite nice. Also, some people have the problem of biting their nails which gives their nails a very bad and unpleasant look. The real nails get damaged easily too and so extensions are used.

Gorgeous Nails

nail extension design

The most common kind of question that we all have in mind is that are nail extensions permanent? They are not permanent because they are just supplementary chemical products to give unattractive look to the nails for a certain period of time. The silk is attached to the nail with resin, then sprayed to activate it. In the 1980s, this was a standard procedure for nail extensions. Filing and buffing away the natural nail along the top edge, sides, and surface is the first step in applying artificial nails with extensions. Acrylic nails comprise a liquid monomer and a powder polymer combination.

Acrylic 3D Oreo Flower Nails

The best blinged-out nail art in San Antonio - San Antonio Express-News

The best blinged-out nail art in San Antonio.

Posted: Wed, 05 May 2021 07:00:00 GMT [source]

From serene landscapes to whimsical forest scenes, let your nails become a canvas for the wonders of the outdoors. Immerse yourself in the beauty of nature and create a captivating and tranquil look that reflects your connection to the natural world. Finally, for those who love a bit of sparkle, these nail extensions feature a nude color base with glitter-dipped tips, resembling sparkling champagne.

Acrylic Nail Designs 2024: A Glimpse into the Future of Nail Art

And the robin's egg blue speckled base color is so unexpected, but works. We love the simplicity of this curved look that mimics a double French pedicure. This black and silver Art Deco-inspired pedicure is perfect for formal occasions. Case in point, this purple swirling design requires a steady hand and patience to hand paint the individual lines without blurring them together. When applying nail jewelry, use tweezers and dip the adornment into clear nail polish like a topcoat.

Easy & Cute Summer Nail Ideas for Effortless Style

Our experts agree though, that extensions should be considered an investment and treated as such. “For maintaining hair extensions, it’s very important to treat them like it’s your natural hair. ” says celebrity hairstylist Alexander Armand who counts Serena Williams, Cleo Wade, and Quinta Brunson as clients. Regardless of your nail length, maintaining strong, healthy nails will always enhance any design. This versatile 3D French mani looks super feminine and elegant. If you want to add an edge to your regular French manicure, this look would be a treat!

Now apply the coating of the orange and the green shade on alternating fingers to add a sense of dynamism to the design. Now go for the stones which should be held with care and placed on the orange shaded extensions. This is the kind of nail extension that is suitable for individuals who want to keep the design simple and classy. The nail extension design is a transition from a darker shade at the base to a lighter color of a similar shade at the top. For instance, the dark to light blue transition portrays the freeness of spirit and the calm nature of the individual.

3D Plum Plus Rhinestones Nails

Even though this design is done on square nails, I think nails shaped like almonds would look pretty amazing too. Thus polka dot nail extension design is made on oval shape nails that look pretty nice. It is a great design that is quite simple and sophisticated and can be worn on any day’s event.

This will be an instant hit in casual family parties and festivals. Here is the most stylish way to get a nail extension with intricate designs on your nails. To pull across this look you shall require a solid orange or peach shade and dark green glitter paints.

Nail Extensions: Your Expert Guide to Extensions - NewBeauty Magazine

Nail Extensions: Your Expert Guide to Extensions.

Posted: Fri, 21 Jan 2022 08:00:00 GMT [source]

This is a simple nail extension design that is done with peach nail paint that looks really basic. This nail extension design is super amazing and would look perfect for a day event. If you are minimalistic and looking for a little creativeness, this nail extension design is great. I like how some of the nails have a single jewel while others have two or more.

The French aesthetic takes a daring leap with elongated square nails, tipped with a delicate pastel pink and hugged by a bold golden band that screams classy and trendy. For the bride looking for a design for wedding that marries traditional elegance with modern flair, this design whispers vows of style and uniqueness. Connect with the serene beauty of nature through nail extension designs that draw inspiration from the natural world. Capture the intricate details of delicate leaf patterns, the vibrant colors of blooming flowers, or the soothing tranquility of ocean-inspired designs. Embrace earthy tones like deep greens, warm browns, or soft blues to evoke the essence of nature.

I really like this attempt to give the ombre effects with some glitters in this french manicure or nail extension design. The blacktip and the transparent bases balance out the glitter pretty well. It is a great french manicure or nail extension design that can look really nice during an evening event or a party. In 2024, the line between fashion and pop culture continues to blur, with nail art embracing the playful and cute side of design.

These gel extensions represent a blend of boldness and playfulness, perfect for those seeking a cute yet sophisticated look. The geometric patterns paired with solid colors make for a versatile style, fit for a casual outing or a classy event. Nature’s beauty is eternal, and these nail extensions are a tribute to that timeless allure. Adorned with intricate floral patterns and butterflies, they exude a cute and classy charm. The blend of white and soft green creates a nude color square base that’s refreshing and trendy.

You will get your nails covered with the gel that is used and is transparent. Because the Gel nail extensions are so light to use, you would not feel any pressure on your fingers. They are extremely comfortable and look more natural than acrylic nail extensions. When it comes to the application of acrylic nail extensions, they are fairly easy to apply.

A simple neutral polish and a hint of colorful sparkle is just enough to give a plain pedicure some oomph. A prime example that black and white always look so good together. If you feel like sparkling, try a glitter design with an accent nail in rich forest green. Introducing the jeweled nail trend to your toes in the best way. With a big toe decked out in sparkles and flowers, this design is ultra-elegant thanks to a grounding plain pink on the rest of the nails.

Monday, April 29, 2024

‎Texas Roadhouse Mobile on the App Store

texas road house near me

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Texas Roadhouse Near Me – Hours and Locations

I was all ready back at work so I called the restaurant. So we will see if things has changed and I receive better service. Please note that to know the specific location holiday hours of Texas Roadhouse. See the Hours of Operation, Opening and Closing time Below.

Data Not Linked to You

Texas Roadhouse to Open Dozens of New Restaurants This Year - Eat This, Not That

Texas Roadhouse to Open Dozens of New Restaurants This Year.

Posted: Tue, 20 Feb 2024 08:00:00 GMT [source]

Please note that these timings may differ based on locations, So please check the Official Website for exact Timings. Check whether Store is open or close on 24th April 2024 , Wednesday. You can use the Google Map to find the Nearest Texas Roadhouse Near You.

Local Texas Roadhouse raises thousands for tornado relief fundraiser - WHIO

Local Texas Roadhouse raises thousands for tornado relief fundraiser.

Posted: Tue, 26 Mar 2024 07:00:00 GMT [source]

App sent order to different state—still waiting for refund

My order was not ready when they said it would be. They did not say you had to go to the window and pick it up. I waited about 15 min in my car then asked inside where my order was. Was directed to a window outside. Then I got my order and my mistake I did not check it. I did not realize that my order of a dozen rolls was not there.

texas road house near me

They told me to expect a call from the one person who knew how to do this the next day. I waited and called again during the hours they said the person would be there with no luck. I have called repeatedly and have been told I would get a call back, but I still haven’t heard from them or received a refund. I would appreciate someone contacting me about this issue. I got the app when Covid first started, that experience did not go so well . They told us to park in the designated parking spot and call the number which I did.

Texas Roadhouse Mobile

After using the app successfully numerous times, I had the misfortune of having it send my order to a completely different state. I was charged for the order and did not realize what happened until waiting to pick up my order at our local Texas Roadhouse. The restaurant actually helped figure out the issue. I had to place a new order and pay again as the refund needed to come from the restaurant that received the order and payment. I called the other restaurant to cancel the order, but no one there knew how to refund my money.

Texas Roadhouse Holiday Hours

Texas Roadhouse Wikipedia

texas road house

Texas Roadhouse bills its ribs as "fall-off-the-bone," which is an apt description for a slab of meat this tender. Fans of Texas Roadhouse are quick to claim that the restaurant whips up some of the tastiest ribs around. Strikingly similar to the famous Bloomin' Onion at Outback Steakhouse, the Cactus Blossom at Texas Roadhouse cashes in on our endless enchantment with dressed up, deep-fried root vegetables. Plenty of diners are happy to chime in and point out how delicious this appetizer is. Because it's so massive, this is definitely a dish best enjoyed with a few other people so that you can save some room to check out more of the menu. One thing's for sure, though, when you taste the Cactus Blossom at Texas Roadhouse, it's bound to be love at first bite.

texas road house

Data Used to Track You

I waited about 15 min in my car then asked inside where my order was. The person that answered had me give my email to her and said she would email me a coupon for a dozen rolls I could use on my next visit. So we will see if things has changed and I receive better service. Whether you have a hungry family to feed, just don’t feel like cooking your own dinner, or want Texas Roadhouse to help you meal-prep for the workweek, these family meals seem like quite a value.

Fresh Rolls and Honey Cinnamon Butter

Often served in between buns on sandwiches, or on platters with different sides, there's no doubt that barbecue pork is a major staple when it comes to grilled goodies. So it should come as no surprise that a meat-centric operation like Texas Roadhouse offers up its own version of this hog-heavy crowd-pleaser. According to Smoked BBQ Source, the reason ribeye is such a popular cut is due to its thorough marbling of intramuscular fat. These thin webs of fat throughout the ribeye help the beef maintain its moisture, resulting in an exceptionally tender consistency. Another reason that ribeye has that incredible melt-in-your-mouth texture is because this cut of beef is taken from a muscle in the cow that's mostly inactive, which makes the meat extra delicate. Surf and turf is inherently satisfying because it doesn't get much better than being able to sample a forkful of flame-licked beef along with the briny yet mildly sweet taste of shrimp at the same time.

Ribs

Some of the best things in life are simple pleasures — and there's no doubt that the tater skins at Texas Roadhouse will bring you some scrumptious joy. In fact, some diners say that Texas Roadhouse makes the best tater skins they've ever had. The Texas Roadhouse iteration comes with a thick, juicy burger patty, melted slices of creamy American cheese, and crackling strips of bacon along with a pickle spear and steak fries on the side. Diners rave about how excellent the bacon cheeseburger is, which should come as no surprise, considering the focus on freshness at Texas Roadhouse. If you're in the mood for some beef but not exactly up to the task of taking down a steak, opting for the bacon cheeseburger is an extremely wise move. The gargantuan-sized meals appear to be for pick-up orders only and cannot be ordered in the restaurant and, again, the availability and price-point can vary from location to location.

Texas Roadhouse's Family Meal Deals Can Feed a Family of 4 - Food & Wine

Texas Roadhouse's Family Meal Deals Can Feed a Family of 4.

Posted: Tue, 23 Apr 2024 23:45:00 GMT [source]

Texas Roadhouse Mobile

Three other Family Value meals — including seafood, cheeseburgers, and pulled pork — are currently listed as “unavailable” at this location but they are on the menu at other Texas Roadhouses throughout the state. Potatoes are impressively versatile, and whether you roast, mash, bake, or fry them, no matter how you cut it or cook it, you can always count on the almighty potato to deliver some comforting deliciousness. That said, one of our favorite ways to enjoy potatoes is in the form of potato skins. Sliced into thick wedges, fried crispy, and seasoned, and then smothered with toppings like melted cheese, chives, and bacon, potato skins have a way of hitting the spot in the best way possible. If you find yourself on the prowl for a tasty batch, the Tater Skins at Texas Roadhouse won't let you down.

NLCAC, Texas Roadhouse to host Dine to Donate event - WLUC

NLCAC, Texas Roadhouse to host Dine to Donate event.

Posted: Thu, 25 Apr 2024 21:31:00 GMT [source]

Ribeye steak

Pair these lusciously glazed ribs with a baked potato and some buttered corn and you'll be in heaven. There's no reason that you can't get your greens in while also enjoying a juicy, delicious steak. Because steak is fairly heavy, it's easy to feel like you need to balance it out with some fresh vegetables — and a steak salad offers the perfect opportunity. While Texas Roadhouse offers a handful of great fresh salads on its menu, the steak filet option is easily one of its best.

After using the app successfully numerous times, I had the misfortune of having it send my order to a completely different state. I was charged for the order and did not realize what happened until waiting to pick up my order at our local Texas Roadhouse. I had to place a new order and pay again as the refund needed to come from the restaurant that received the order and payment.

The Best Dishes At Texas Roadhouse, Ranked

The bacon cheeseburger at Texas Roadhouse is a shining example of how a steakhouse chain can still manage to whip up a highly respectable burger despite its focus on steaks. The blue cheese provides a pleasantly pungent bite of dairy, while the tomatoes provide some natural, earthy sweetness. When the salad is well-mixed, every bite packs a punch of big flavors.

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There are several actions that could trigger this block including submitting a certain word or phrase, a SQL command or malformed data. And when it comes to surf and turf, Texas Roadhouse puts a few succulent options on the table under the Texas-sized combos section of the menu. Juicy shrimp can be paired with a few different cuts of beef, including sirloin, ribeye, and a filet. In this context, the intense beefiness of sirloin works wonders when it's coupled with large shrimp drizzled in garlic lemon pepper butter. Each bite somehow tastes better than the last, and before you know it, you'll find yourself mopping up your final forkful with some of that citrusy butter sauce. When you can't decide between steak or seafood, there's no need to limit yourself at Texas Roadhouse — go for the sirloin and shrimp combo to get the best of both worlds.

It doesn't get much better than crunchy greens, perfectly cooked steak, and homemade dressing. When you want to enjoy the hearty beefiness of a great steak but you're also craving some fresh veggies, look no further than the steak filet salad at Texas Roadhouse. Is there a dish more deliciously indulgent than country fried steak? Breaded and deep-fried until golden brown, country fried steak is crunchy and seasoned on the outside, yet beautifully tender on the inside.

I called the other restaurant to cancel the order, but no one there knew how to refund my money. They told me to expect a call from the one person who knew how to do this the next day. I waited and called again during the hours they said the person would be there with no luck. I have called repeatedly and have been told I would get a call back, but I still haven’t heard from them or received a refund.

In a way, it's like a microcosm of planet Earth on your plate as land-roaming fare and sea creatures converge on a circular orb. Perhaps no dish better exemplifies the bounty of the modern age more deliciously than this. I got the app when Covid first started, that experience did not go so well . They told us to park in the designated parking spot and call the number which I did.

Sunday, April 28, 2024

Court blocks Californias online child safety law

california age appropriate design code

Companies should also be mindful about how the CA AADC interacts with COPPA and other children’s privacy laws. For example, general-audience sites generally don’t need to worry about COPPA unless they have actual knowledge that they are collecting information from a child under 13. Provided to the Attorney General, the Data Protection Impact Assessments must identify the purpose of the online service, product, or feature, how it uses children’s personal information, and the risks of material detriment to children that arise from the data management practices. Freeman cites arguments made by legal writer Eric Goldman, who argued that the law would force sites to erect barriers for children and adults alike.

Who Needs to Comply with the Law

The Act ultimately aims to ensure businesses mitigate and eliminate privacy and safety risks for children at the design stage of online services, products, or features – before children can access them. As federal and state policymakers heighten their focus on protecting children’s privacy online, the Future of Privacy Forum (FPF) today released a new policy brief, An Analysis of the California Age-Appropriate Design Code. The new report outlines and analyzes Assembly Bill 2273, the California Age-Appropriate Design Code Act (AADC), a first-of-its-kind privacy-by-design law that represents a significant change in both the regulation of the technology industry and how children will experience online products and services.

Next Steps for California Businesses

Most digital policymaking leaves little middle ground for stakeholder views and AB 2273 is no different. The bill and its new standard for protecting youth online has the complete support of civil society while industry is grappling with potentially over-broad compliance measures that it thinks may ultimately put kids in a different type of risk. Europe’s top experts offer pragmatic insights into the evolving landscape and share knowledge on best practices for your data protection operation. OAKLAND — California Attorney General Rob Bonta today filed a brief in the Ninth Circuit Court of Appeals in defense of California’s law requiring companies to prioritize the online privacy, safety, and well-being of children over commercial interests. In the brief, Attorney General Bonta seeks to overturn a preliminary injunction blocking the California Age-Appropriate Design Code Act from going into effect.

2023 State Children's Privacy Law Tracker - Husch Blackwell

2023 State Children's Privacy Law Tracker.

Posted: Mon, 31 Jul 2023 07:00:00 GMT [source]

A Trial Lawyer’s Trial Lawyer: Paul Callan On Trial

While the size of a covered business is clearly defined, whether or not a company is building a product "likely to be accessed" by children may present the most uncertainty. Age verification and inference for kids online has been an ongoing debate due in large to loopholes with COPPA's "actual knowledge" standard. Future of Privacy Forum Youth and Education Privacy Policy Counsel Bailey Sanchez said the California bill won't help bring a resolution to the verification issue. The ADCA would also require covered entities to undertake a Data Protection Impact Assessment (DPIA) for any product, service, or feature likely to be accessed by a child.

A Better World Online is Possible

The social media transparency bill aims to clarify platforms' terms of services, including privacy notices, with requirements for more specific disclosures and general information. Notably, the CA and UK AADCs reflect an emerging trend in online safety regulation, with an increasing focus on due diligence obligations and risk assessments. The EU’s Digital Services Act (DSA), Australia’s Online Safety Act (OSA), India’s Intermediary Guidelines, and Singapore’s Online Safety Bill, for example, also require certain providers to be proactive in addressing online safety risks, with an emphasis on the protection of minors.

NetChoice’s First Amendment Argument

As countries witness a profound transition in the digital landscape, automating privacy and security processes for quick action is essential. Organizations must become even more privacy-conscious in their operations and diligent custodians of their customer's data. Acknowledging the well-being of children is an important government interest, NetChoice nonetheless argues the CAADCA cannot pass the constitutional muster because it “regulates far beyond privacy,” “is not confined to children,” and “is unnecessary to achieve” the privacy goals.

Stronger Online Safeguards for Kids Advance With California Bill

california age appropriate design code

On September 15, 2022, the California Age-Appropriate Design Code Act (CAADCA) was signed into law. The CAADCA recognizes that “children need special safeguard[s] and care in all aspects of their lives.”  Importantly, the CAADCA requires online service providers to offer a high level of privacy by design and by default to children under the age of 18. Data protection impact assessments are a key protective requirement that businesses must conduct and document for any new online service, product, or feature likely to be accessed by children before it is offered to the public.

NetChoice’s Preemption Argument

Enforcement of the Act begins on July 1, 2024, does not include a private right of action, but permits the Attorney General to issue civil penalties up to $2,500 per affected child for each negligent violation and $7,500 for each intentional violation as well as order injunctions.

On the other hand, organizations that supported the preliminary injunction, such as at the Computer & Communications Industry Association, welcomed the preliminary injunction. The current text of the California Age-Appropriate Design Code Act also allows the AG to offer a 90-day cure period for some businesses before pursuing civil penalties. When pursuing civil penalties for violations, the AG will consider whether the violation is negligent (failure to properly meet requirements of the Act) or intentional (conducting prohibited activities and/or deliberate non-compliance with requirements). Enforcement will be directed by the California Attorney General (AG), with the power to pursue injunctions and/or civil penalties against violating businesses. These assessments must also be maintained as long as the online service, product, or feature is available.

The CA AADC’s notable obligations include requiring providers to configure default privacy settings to a “high level” of privacy; assess whether algorithms, data collection, or targeted advertising systems could harm children; and use clear, age-appropriate language for user-facing information and documents. More generally, the CA AADC states in its legislative findings that businesses should consider the “best interests of children” when designing, developing, and providing online services, products, or features likely to be accessed by children. The Act also establishes the California Children’s Data Protection Working Group, which will study and report to the legislature best practices for implementing the Act. The Working Group will consist of experts in children’s data privacy, physical health, mental health and well-being, computer science, and children’s rights. Commencing on July 1, 2024, the ADCA would require businesses whose online products would likely be accessed by children to comply with specified standards, including considering the best interests of children. Businesses that own these online products would be required to protect children’s data and limit children’s online exposure.

Online Safety Bill, and state bills in Maryland, New Jersey, New Mexico, and Utah also seek to make service providers responsible for keeping minors safe online. Companies that fail to implement appropriate privacy and design product changes will continue to risk sizable fines, particularly in the EU and United States. The Kids Code requires companies to consider the privacy and protection of children in the design of any digital product or service that children in California are likely to access. You are responsible for reading, understanding and agreeing to the National Law Review's (NLR’s) and the National Law Forum LLC's  Terms of Use and Privacy Policy before using the National Law Review website. Any legal analysis, legislative updates or other content and links should not be construed as legal or professional advice or a substitute for such advice. No attorney-client or confidential relationship is formed by the transmission of information between you and the National Law Review website or any of the law firms, attorneys or other professionals or organizations who include content on the National Law Review website.

The Working Group will consist of ten persons having expertise in areas such as, children’s data privacy, mental health, computer science and children’s rights. Strong data minimization standards would be established by the ADCA, making it illegal to collect, sell, share, or keep personal data that is not required to deliver the product or service. Children’s Online Privacy Protection Act (COPPA), which provides protections for children aged 13 or under, the CA Kids Code is designed to protect all children under 18 in California. The result of months of hearings and a congressional investigation into tech companies’ handling of children’s safety, after documents were disclosed last year by Facebook whistleblower Frances Haugen.

California’s new online privacy and safety law for children under the age of 18 is modeled on the UK Age-Appropriate Design Code, which became enforceable on September 2, 2021. "This is absolutely a massive shift in what many — if not most — companies will be required to do," Public Interest Privacy Consulting founder and President Amelia Vance said. "'General audience' companies have largely avoided having any responsibilities under the Children's Online Privacy Protection Act. This is a whole new ballgame, and compliance is likely to be a nightmare for any company that hasn’t already started to bring their products into compliance with the U.K. Children's Code." The bill, which awaits enactment by Gov. Gavin Newsom, D-Calif., after unanimously passing the State Assembly and Senate, is an online safety bill containing unique privacy requirements to protect minors age 17 and under. Although it is not yet clear exactly how these categories will come into play, companies should consider these developmental categories as they start to evaluate the safety of their data practices and, in particular, where there are specific requirements to take the age of the user into account. Countries across the world have drafted or are in the process of drafting their own versions of data protection legislation.

The second one is the “Truth in Elections” bill (aka SB 746) that lets consumers request that a business that collects personal information about them disclose whether or not it is using the personal information for a political purpose. My research into Google’s algorithmic bias during the 2020 California election was cited as part of the motivation behind the bill (see page 6 of the Senate Judiciary Committee analysis here). The third is the ADCA (aka AB 2273) that I will analyze in this blog post that was written and driven by the children advocacy group 5Rights Foundation that was the driving force behind the UK law upon which AB 2273 is based upon. But while companies may find hardships as they digest the bill, the improvements to children's protections are unquestioned. Common Sense Media Policy Counsel Irene Ly said the bill forces companies to re-prioritize, focusing more on kids' health and well-being over profits and engagement. By default, the ADCA would bar a covered company from “collect[ing], sell[ing], or shar[ing] any precise geolocation information of children .

Contemporary Coffee Tables & Side Tables

57st design

I’m less interested in luck and more interested in privilege, which I see as a function of luck. I’m fortunate to come from a position of socioeconomic privilege. It’s that privilege that has allowed me to assume the risk required to be an entrepreneur. I don’t think we talk enough about how entrepreneurism (trying to start a company, for instance) is most accessible to people with means.

57st design

The Chicago Nightlife Guide Everyone’s Talking About

So let’s switch gears a bit and go into the 57st. Tell us more about the business.We design, manufacture, and retail (e-commerce) contemporary-modern furniture. We have a workshop on the near South Side with nearly twenty employees where we produce all of our work. Our furniture is mostly solid, American hardwood and hand-finished.

Chicago’s Most Inspiring Stories

We’ve been growing quickly over the last year, in part due to our unique ability to offer customization down to the inch on all of our work. 57th Street Bookcase & Cabinet is proud to introduce our new sister-brand, 57st. 57st design is a studio and brand specializing in contemporary-modern furniture and product design. Design both designs and manufactures their work, as well as the work of other designers, in our shared Chicago workshop. Design (629 W. Cermak Rd., 57stdesign.com) has just opened its first showroom, which is located within the workshop of its parent company, 57th Street Bookcase (57thstreetbookcase.com).

Professional Categories in Chicago

VoyageChicago is part of the LA-based Voyage Group of Magazines. Our mission is to promote mom and pops, artists, creatives, makers and small businesses by providing a platform for these hidden gems to tell their stories in their own words.

Sale

Each piece is designed and manufactured in Pilsen using ethically sourced American hardwoods. Among Devenport’s favorite products is the Linnea shelving system. “It’s a very clever design,” he says of the unit, which assembles via interlocking joinery (no screws required). “It’s at the intersection of traditional craftsmanship and modern manufacturing technology.” The unit has also been picked up by open-source furniture platform Opendesk (opendesk.cc). Believes in functional, straightforward design in whatever work of furniture they construct. Privilege has afforded me an extraordinary opportunity, and I make sure to work especially hard so as to not waste it or seem unworthy of it.

Daniel Romualdez Outfits an Exclusive Club in SOM's 252 East 57th St - Architectural Digest

Daniel Romualdez Outfits an Exclusive Club in SOM's 252 East 57th St.

Posted: Wed, 12 Jul 2017 07:00:00 GMT [source]

Unison (1911 W. Division St., unisonhome.com) is holding a table styling event this Saturday from noon to 4 p.m. Stop by the open house, where stylist Janelle Gonyea (janellegonyea.com) will be sharing her tips for creating a visual feast. The store will also offer a 25 percent discount all day long. Room & Board (55 E. Ohio St., roomandboard.com) is now carrying signed, limited-edition prints by Ayomi Yoshida (ayomi-yoshida.com).

I don’t think I could have built this company had I not come from a position of privilege, and I think that privilege was a function of luck. Insofar as that’s the case, in terms of my life and our company, I think luck is probably as important a feature as any. Use this banner to inform customers about discounts that are available for your products.

Tangent Table - Large

Stay up to date on the latest product releases, special offers & news by signing up for our newsletter. Is a customized piece more expensive? That said, our custom work is less expensive than you can find elsewhere, and often less expensive than the standard options available from other designer furniture brands. Can I customize any one of your pieces? Our designers will guide you through customizing our pieces, and will provide advice on how best to maintain structural integrity while achieving your goals.

57st design

More than anything, we feel fortunate to have amazing clients–people who believe in our work and the company as a whole–as well as an amazing team behind us. It makes the struggle feel worthwhile. So, before we jump into specific questions about the business, why don’t you give us some details about you and your story.We launched 57st. The goal was to make heirloom-quality contemporary furniture at a price that reflected the true cost of quality materials and craftsmanship, and to do it all from the South Side. We design and produce all of our furniture in-house, and ship it around the country (and now Canada!) through our e-commerce site.

Overall, would you say things have been easy for you? No part of a company’s early days is smooth! On the other hand, that’s probably consequence, in part, of our brand’s early success– something for which we’re enormously grateful. But it’s a daily struggle. Morning to night (and sometimes morning to morning), we’re constantly at work trying to build a better business. Certain weeks, it feels like we’re just moving from one crisis to the next.

A contemporary furniture label, 57St. Design was founded earlier this year by Sam Devenport and Pia Narula and incubated at the Polsky Exchange, a startup program at the University of Chicago. Has luck played a meaningful role in your life and business?

Take a look at the collection. The contemporary Kedzie Dining Table is ready to welcome everything from a spirited dinner party to a quiet night in. Comprised of two individual, angled, and rounded pieces, the pedestal base forms an architectural, visually fluid structure finished with a simple slab top. The combination creates a work that is as integral to a living and dining arrangement as it is intriguing.

We also offer customization down to the inch on most of our designs, a service that has helped drive our early growth. We’re beginning to explore collaborations with other designers, both domestic and international, which is something about which we’re especially excited. We’re always bombarded by how great it is to pursue your passion, etc – but we’ve spoken with enough people to know that it’s not always easy.

Saturday, April 27, 2024

Down Payment Calculator How much to put down on a house

how much is a down payment on a house

Many lenders offer Fannie Mae and Freddie Mac’s programs and add their down payment assistance benefit for a conventional loan. Mortgage allows for a 3% down payment for borrowers at or above 80% of area median income requirements. Rather than simply borrowing the maximum loan amount a lender approves, evaluate your estimated monthly mortgage payment too.

What's the biggest barrier to buying a home?

In fact, the average down payment on a house varies between 6% and 17%, according to data from the National Association of Realtors (NAR). Ultimately, though the amount you’ll pay will depend on your loan program and financial situation. A mortgage loan term is the maximum length of time you have to repay the loan. It is possible to pay down your loan faster than the set term by making additional monthly payments toward your principal loan balance. Homeowner's insurance is based on the home price, and is expressed as an annual premium.

Benefits of making a larger down payment

Keeping up with pipes that leak and appliances that break can be tough, especially if you don’t buy a brand-new home. According to Thumbtack, the average annual cost of home maintenance on a single-family home is $555 a month. You likely won’t pay that much every month, but big one-time costs like a new roof or HVAC system (combined with smaller repairs like new paint or broken light switches) add up over time.

How To Get A No-Down-Payment Mortgage - Bankrate.com

How To Get A No-Down-Payment Mortgage.

Posted: Mon, 08 Apr 2024 07:00:00 GMT [source]

Investment services

For most borrowers, the total monthly payment sent to your mortgage lender includes other costs, such as homeowner's insurance and taxes. If you have an escrow account, you pay a set amount toward these additional expenses as part of your monthly mortgage payment, which also includes your principal and interest. Your mortgage lender typically holds the money in the escrow account until those insurance and tax bills are due, and then pays them on your behalf. If your loan requires other types of insurance like private mortgage insurance (PMI) or homeowner's association dues (HOA), these premiums may also be included in your total mortgage payment.

Indiana First-Time Home Buyer 2024 Programs and Grants - The Mortgage Reports

Indiana First-Time Home Buyer 2024 Programs and Grants.

Posted: Tue, 23 Apr 2024 07:00:00 GMT [source]

Mortgage options and terminology

how much is a down payment on a house

Buying a house that requires immediate repairs will increase these costs. Before buying a home, make sure you know what expenses you’re getting into and that your savings account has enough money to cover them in addition to the down payment and closing costs. As a general rule, your housing costs, including your mortgage, property taxes, homeowners association fees (if applicable), and homeowners insurance, should not exceed 30% of your take-home pay. If you go beyond that threshold, you could put yourself at risk of falling behind on bills (housing-related or otherwise) and racking up costly debt to stay afloat, like that of the credit card variety.

Saving up for a traditional 20% down payment is time-consuming and challenging for home buyers with limited finances. Several down payment and closing cost assistance programs help borrowers satisfy the upfront financial requirements. Private Mortgage Insurance (PMI) is usually required when you have a conventional loan and make a down payment of less than 20 percent of the home’s purchase price.

Paying a larger down payment of 20% or more, if possible, usually lead to qualification for lower rates. Therefore a larger down payment will generally result in the lower amount paid on interest for borrowed money. For conventional loans, paying at least a 20% down payment when purchasing a home removes the need for Private Mortgage Insurance (PMI) payments, which are sizable monthly fees that add up over time. It's also possible to buy a home with no money down — typically through an alternative lender, like a credit union, or with government-backed mortgages like USDA and VA loans. To help homebuyers who don't have enough, government agencies and private lenders have down-payment assistance programs. Freddie Mac's DPA One guide includes hundreds that provide grants, low- and no-interest loans and other down-payment support all over the U.S.

So long as a buyer borrows the money to purchase a home, they can borrow half of the vested account value or $50,000, whichever is less. But buyers should only employ their 401(k) if they know they are secure in their career. Samantha is a freelance contributor to Newsweek’s personal finance team.

How Much Money Do You Need To Buy A House? A Cost Breakdown

Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service. Conventional loans are backed by private lenders, like a bank, rather than the federal government and often have strict requirements around credit score and debt-to-income ratios. If you have excellent credit with a 20% down payment, a conventional loan may be a great option, as it usually offers lower interest rates without private mortgage insurance (PMI). You can still obtain a conventional loan with less than a 20% down payment, but PMI will be required.

That’s why they often turn to loans with smaller minimum down payments. These loans, though, often require borrowers to purchase some form of mortgage insurance. While some buyers in California may pursue down payment assistance programs if they qualify, others turn to family for help with their down payment and closing costs. Figuring out your credit score helps determine what percentage of purchase price lenders may require for a down payment. Down payment requirements for condo purchases will vary from single family houses.

If you got a mortgage for 100% of the purchase price, your down payment would be 0%. If you got a mortgage for 80% of the purchase price, your down payment would be 20%. For instance, the average median down payment was $34,248 in Q2 2023, down 3.3% year-over-year from $35,410. The median sales price decreased by 7.4% from $449,300 to $416,100 over a similar period. The nationwide average down payment for a house is 14.4%—an average median of $34,248—during the second quarter of 2023, reports Hannah Jones, an economic data analyst at Realtor.com.

1 Client will be required to pay a 1% down payment, with the ability to pay a maximum of 3%, and Rocket Mortgage will cover an additional 2% of the client’s purchase price as a down payment, or $2,000. Cost of mortgage insurance premium passed through to client effective January 2, 2024. Offer valid only for home buyers when qualifying income is less than or equal to 80% area median income based on county where property is located. Not available with any other discounts or promotions and cannot be retroactively applied to previously closed loans or loans that have a locked rate. Rocket Mortgage reserves the right to cancel/modify this offer at any time.

Prevu Real Estate offers the highest commission rebate in California, and buyers can receive up to half of the buyer's broker commission through the company’s Smart Buyer Rebate. Commission rebates are a powerful tool for buyers who find an agent that offers them. Don’t forget the miscellaneous costs of buying a new home, such as a moving truck, utility deposits and stocking essentials like lightbulbs and toilet paper. Building a buffer into your savings plan is a good idea because you never know how negotiations will turn out or what unexpected costs may arise.

How Much Money Do I Need to Put Down on a Mortgage?

how much is a down payment on a house

Interest rates and program terms are subject to change without notice. Ideally buyers would be able to put down at least 20% of the home price to avoid paying private mortgage insurance, but it’s not a requirement. With the median home price in 2023 at over $425,000, the average homebuyer would need $85,000 just for the down payment. The program will even consider some borrowers with no credit score by building a non-traditional credit report as long as those borrowers meet certain debt-to-income and loan-to-value ratio guidelines. The average first-time home buyer pays 6% upfront and obtains a mortgage from a bank or other financial institution for the balance.

What is the average down payment for a house?

how much is a down payment on a house

For conventional and FHA loans, a down payment is required to buy a home. These funds can come from your savings, a gift from family or a friend, proceeds from the sale of another home, grants and other sources. The lender views your down payment as a buyer’s participation in the purchase, and the higher the down payment is, the less risky it is for the lender. Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts.

Low-down-payment mortgages

Here’s a closer look at what you should consider as you weigh your options. Our partners cannot pay us to guarantee favorable reviews of their products or services. That said, there is a case to be made for a smaller down payment, even if it means paying mortgage insurance. The more you put down, the less you’ll need to borrow and the less you’ll pay in interest.

Estás ingresando al nuevo sitio web de U.S. Bank en español.

These vary greatly by state (thanks to taxes) but usually range between 1% and 3% of the purchase price. Some mortgages require a large down payment, but if you plan to use government-backed financing like an FHA loan, you may qualify for a lower down payment. Note that if you put less than a 20% down payment, your lender will likely require you to pay private mortgage insurance (PMI).

Kentucky First-Time Home Buyer 2024 Programs and Grants - The Mortgage Reports

Kentucky First-Time Home Buyer 2024 Programs and Grants.

Posted: Tue, 23 Apr 2024 07:00:00 GMT [source]

Current Mortgage Rates by State

In addition, you’ll have that much more instant equity to pull from, plus a lower mortgage insurance premium or the ability to avoid these premiums altogether. For the most common types of mortgages, lenders charge premiums when you put less than 20 percent down. A down payment shows lenders that you’re serious enough about home ownership to invest your own savings in the property. Your investment helps demonstrate that you think the property is a wise purchase and that you’re committed to paying the mortgage you’re asking for. No rational person will throw their savings at a property they think is worth less than the asking price or that they plan to abandon if times get tough.

Chase Bank

How To Calculate How Much Home Equity You Have (2024) - MarketWatch

How To Calculate How Much Home Equity You Have ( .

Posted: Wed, 24 Apr 2024 07:00:00 GMT [source]

For example, you can be eligible for a conventional loan with as little as 3% down. Government-backed programs such as FHA loans, VA loans or USDA loans can require 0% to 10% but are more likely to charge upfront and annual fees. You can put as little as 3.5% down with a Federal Housing Administration FHA loan.

How to Save for A Down Payment

Spouses can each individually withdraw $10,000 from their respective IRAs in order to pay $20,000 towards their down payment. If the home price and down payment percentages are known, use the calculator below to calculate an estimate for an amount needed in cash available for upfront costs. At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money.

Mortgage Down Payment Calculator

how much is a down payment on a house

Most significantly, it can reduce the cost you pay to borrow money over the life of the loan. Reducing the amount you need to borrow, even by a little bit, will lower the amount you pay in interest over time, and it can lower your monthly payments as well. Coming up with a down payment can be the hardest part of buying a home—particularly for first-time buyers.

Mortgage options and terminology

This can give you an edge over other buyers, especially when the home is in a hot market. If you’re buying a house for the first time or you’re looking for your next home, you may be wondering how much money you’ll need for a down payment. It’s a critical question to contemplate during the home buying process. We’ll outline the most important considerations to keep in mind about down payments to help you determine how much you’ll need to save.

Two potential reasons for the higher median deposit are that buyers have more purchasing power and also want a lower monthly payment due to higher mortgage rates. A mortgage pre-approval is an official step where a lender verifies your financial information and credit history. Your mortgage application collects information regarding your estimated down payment amount, income, employment, debts, assets, credit report, and credit score. When you apply for a mortgage to buy a home, expect to pay something up front with a down payment.

With VA loans, you’ll pay a one-time funding fee, which ranges from 1.25 percent to 3.3 percent depending on how many VA loans you’ve had and your down payment amount. With USDA loans, you’ll pay an upfront and annual guarantee fee, both of which are independent of your down payment amount. It’s possible to get a mortgage with a credit score below 620, particularly with an FHA loan, but you’ll need to put down a higher amount upfront — 10 percent. With other mortgages, though, a lower credit score likely won’t give you access to the most competitive rates, if you qualify. For many first-time buyers, the down payment is the biggest obstacle to homeownership.

Sunday, April 14, 2024

Sky Princess: Princess Cruises

sky princess cruise

Adventures in the rainforest and sunny beach days at Princess Cays—two pieces of the perfect Eastern Caribbean cruise. When you choose a cruise to the Caribbean, you can expect a sun-laden and tranquil tropical experience. The vessel's construction officially started with the steel-cutting ceremony on September 8, 2017. On July 5, 2018, at Monfalcone shipyard was held the keel-laying ceremony, traditionally signifying the start of its physical construction. The process is mainly an assembly of pre-fabricated blocks (modular components) joined together at the yard's drydock facility. Take a break and indulge in a private getaway at The Sanctuary, our exclusive adults-only retreat offering a relaxing alternative to the myriad outdoor activities and entertainment available elsewhere on the ship.

sky princess cruise

Oceanview (O

This is ship's Escape Room hosting the "Phantom Bridge" game that combines physical and virtual/digital elements for unique puzzle-solving experiences at sea. The attraction is part of Princess Cruises' onboard enrichment program (Discovery at SEA) and offers interactive (real-world + virtual) adventure gaming experiences with 700+ different outcomes. Phantom Bridge's gaming sessions last 23 min each and allow passengers to navigate the virtual cruise liner, watch as the generated simulations change, uncover the clues and solve puzzles (current game's mystery). The implemented technologies include a physical steering wheel and touch-screen surfaces (in the room), projection mapping, top-notch sound-, lighting- and digital effects, hidden physical elements (throughout the ship). Sabatini’s Trattoria (a la carte-priced specialty restaurant on Deck 7) offers a 3-course Italian/seafood menu. Sabatini’s is open between 6 pm - 11 pm, and reservations are recommended.

Vacation Deals

As is Princess tradition, it's nothing flashy like you'd find on a Carnival or Norwegian Cruise Line ship. By ever so slightly increasing the passenger count on Sky Princess as compared to its older sisters, these extra rooms are ever so slightly making the public areas of the vessel a bit more crowded. That said, as I saw during a tour of the two complexes, these aren't the sort of truly epic suites with huge interior living spaces you'll find on the latest Royal Caribbean or Regent Seven Seas ships.

The finest dining at sea

It has the same central Piazza lined with cafes, bars, shops and restaurants, and its signature steakhouse, Lotus Spa and namesake theater are all right there where you'd expect to find them. The following tables show the ship's "Inaugural Cruise" itineraries (by destination) as departure dates, call ports, port times and regions. Prices shown are per person (USD), lowest category Inside Cabin rates based on double occupancy. Theatre lounge doesn't offer tables or drink holders, so if you order one preshow or come with a drink, you'll have to hold it. The entertainment program is excellent and varied, with a beat that is quite innovative.

Plaza Deck

Enjoy dishes like filet de boeuf poelé (filet mignon with sweet onion sauce and red-wine jus, shown below), plus a curated menu of French wines, including Bordeaux varieties available onboard only at La Mer. ▲3rd/4th berths available in select cabins.†Guests may call for room service delivery or order through OceanNow® in the Princess® Cruises app at any time of the day or night. Guests with the latest Princess Plus and Princess Premier packages enjoy OceanNow® and room service delivery with no charge. Otherwise, a one-time access fee of $14.99 USD per person per voyage will apply for OceanNow® delivery and a $5 USD room service fee will apply for each order placed by stateroom phone. It’s also perfect to enjoy cocktails before dinner or a leisurely breakfast. ▲3rd/4th berths available in select cabins.†Guests may call for room service delivery or order through OceanNow® in the Princess® Cruises app at any time of the day or night.

Suite (MC)

It’s also perfect to enjoy cocktails before dinner or a leisurely breakfast. The aforementioned fares are also for the least-expensive, windowless "interior" cabin. There are all sorts of cabin categories on Princess ships, including those bigger balcony cabins and suites, at a wide range of price points.

Window Suite features a picture window from which to enjoy the views. Surrounding you with deluxe accommodations, Window Suite includes all the amenities of a Club Class Mini-Suite, plus incredible premiums. With four pools, multiple sundecks, two adult-only retreats, a huge movie screen, and alfresco dining options, there’s no shortage of places where guests can enjoy the sun and the sea breeze. The casino, shops, and myriad activities and excellent restaurants keep Sky Princess passengers busy on cooler days. The 3600-passenger ship Sky Princess is among the largest cruise ships sailing the seas.

This space blends the spaciousness of a contemporary setting with classic Italian accents, featuring handmade pasta courses (via partnership with celebrity chef Angelo Auriana) which are prepared daily. Sabatini’s Trattoria also offers “Sabatini’s Bites” during wine tastings. Sky Princess features a host of amazing upgrades, such as two Sky Suites with the largest balconies at sea – each around the size of half a tennis court.

Princess Cruises Unveils Celebrity Speaker Line-Up for 2024 Southampton Cruises - ITTN

Princess Cruises Unveils Celebrity Speaker Line-Up for 2024 Southampton Cruises.

Posted: Fri, 19 Apr 2024 09:43:59 GMT [source]

A Private Breakfast with a view

The 4 classes of Princess Cruises ships, explained - The Points Guy

The 4 classes of Princess Cruises ships, explained.

Posted: Wed, 10 Apr 2024 07:00:00 GMT [source]

Learn how Princess Cruises takes care of your every need with an extensive list of onboard services. The cruise port of Southampton features tons of diverse attractions that provide insight into England’s culture and storied past, including fortresses, gardens and national parks. If you enjoy the beauty of autumn, or feel that the colors of fall stimulate and inspire you—choose a cruise to Canada and New England. 14-day Inaugural Transatlantic cruise (repositioning from Europe to Florida-Caribbean) - prices started from USD 1260 pp. The vessel was launched/floated out from drydock on February 14, 2019.

The light became flatter and colours gradually leached away and then, with just a tiny slither of sun still showing (even this was still not visible to the naked eye) the light started to fade. Sky Princess will sail several voyages in the Mediterranean over the next month before repositioning to Fort Lauderdale, Florida, for seven-night trips to the Eastern and Western Caribbean. The Eastern Caribbean trips will feature stops in St. Thomas, St. Maarten and Princess Cays, the line's private island in the Bahamas. The Western Caribbean itinerary will bring calls in Belize City, Belize; Roatan, Honduras; and Cozumel and Costa Maya, Mexico. The server with my sidecar didn't ask me to sign anything, since the transaction had been recorded electronically. In what might strike some as a bit Big Brother, the medallions also tip off crew that you're approaching, allowing them to address you by name — and maybe offer a favorite aperitif.

With signature beverages, light meals, and al fresco massages, Serenity Stewards attend to your every need, whether it’s to be on hand to provide chilled face towels or Evian water atomizers. From rejuvenating spa treatments and the tranquility of a top-deck retreat reserved just for adults to our state-of-the-art fitness centers, you’ll find all the elements to come back new. Feel the court under your feet and the thrill of victory as you sink the ball in for two points. No matter your athletic ability, there’s nothing like shooting a few hoops out in the middle of the ocean as you watch the sun set and the stars come out.

Gourmet delicacies, such as antipasti and tapas, are complimentary with any wine purchase. Unique, handmade pasta courses, prepared fresh daily and treasured family recipes curated by our Italian chefs across the fleet inspire the menu at our acclaimed Italian specialty restaurant. Whenever you visit, you’ll find plenty of well-balanced options to choose from. Stop by for breakfast and visit our gourmet pancake station, or enjoy one of our unique hot cereal offerings.

This cabin has an obstructed view balcony from which to enjoy the fresh sea air. Enjoy a larger balcony with more room to view the beautiful scenery as you sail from destination to destination and take in the ocean breeze for a wonderful and romantic evening or morning. This stateroom also includes some of the amenities offered in a Mini-Suite stateroom.

Saturday, April 13, 2024

Cruises From San Juan: Best San Juan Cruises

cruise port san juan

La Fortaleza is an 18-minute walk from the port or a 9-minute drive. So, if you’re looking to do some sightseeing while you visit San Juan, this is a great option. If you want to adventure outside of Old San Juan, options for getting around town include taxis, Uber, buses, and San Juan’s light rail system, Tren Urbano.

cruise port san juan

yo pregnant woman medevaced from Disney Cruises' ship Fantasy

Fortunately, there are beach options fairly close to the San Juan Cruise Port. Many Caribbean cruises have a port call in this historic city, including Carnival, Celebrity, Disney Cruises, Royal Caribbean, Norwegian Cruise Line, Regent Seven Seas, Costa, and AIDA. The port of San Juan has two cruise terminals, one in San Juan Bay and the other (Pan American Terminal) across from the bay.

Night Saint & Seas Of The CaribbeanDetails

cruise port san juan

Most often this pier is used as a homeport for cruises since is located close to the Isla Grande Airport. The Pan American Pier can accommodate two mega-ships including the world's largest cruise ships such as the Oasis of the Seas. For those who visit San Juan as a day-stop on a Caribbean itinerary or embark or disembark there, the island's biggest appeal is the old city. Most cruise ships dock right in the heart of Old San Juan, which dates back to the 16th century. The old, walled city has been exquisitely preserved, and its sprawling forts, cobblestone streets, antique shops and art galleries make it an ideal first stop.

Cruises to San Juan

It’s also home to some of San Juan’s most beloved sites, including two separate forts, cathedrals, and iconic statues. Rincon, found on the western coast of this island, boasts of excellent surfing beaches. If you are a surf enthusiast, you may join surf classes either as a beginner or to perfect your skills. The Segway tour gives you a chance to explore both the old and new aspects of Old San Juan in an approximately 2-hour drive.

Best Free Things To Do in San Juan Cruise Port

Through this excursion, you get to learn more about the island’s history and evolution from a Spanish colony to a US territory. You will explore the unique river caves and hike through the rainforest. You will also have a fun moment learning about the biodiversity and geology of the area. This tour is exciting as you get to know the forest around Arecibo through the ancient home of the Tino Indians.

The principal objective of the Steering Committee will be to align objectives amongst the Steering Committee members, develop a common strategy, and set general guidelines for working together. This is also the case in Nassau, Bahamas - one of the top five cruise ports in the world - and Antigua % Barbuda, where GPH teams comprised of local talent manage the ports. The San Juan Cruise Port (SJCP) project is a public-private partnership initiative designed to elevate the Port of San Juan to world-class standards and maximize its potential as a leading cruise destination. A portfolio of award-winning ports and terminals allows GPH to transfer best practices to its subsidiaries. With a strong focus on operational excellence, enhanced security practices and customer-oriented services, GPH aims to contribute to the development of the cruise industry. Global Ports Holding Plc (GPH) is the world's largest cruise port operator with an established presence in the Caribbean, Mediterranean and Asia-Pacific regions.

Port San Juan cruise ship schedule shows timetable calendars of all arrival and departure dates by month. The port's schedule lists all ships (in links) with cruises going to or leaving from San Juan, Puerto Rico. To see the full itineraries (ports of call dates and arrival / departure times) and their lowest rates – just follow the corresponding ship-link. Curaçao (and its cruise port in Willemstad) is an island with a rare charm, stunning colonial architecture, very comfortable to explore on your own.

If the cruise line does not provide a shuttle you will need to take a taxi which will cost you about 10 US dollar one way, per taxi. Piers 1 to 6 are located in the heart of Old San Juan at Marina Street and within walking distance of all the major points of interest. If your ship is docked at Old San Juan Cruise Piers you could use the free trolley to take you to the city center.

More Guides for Cruise Visitors

Become the largest cruise port in the Caribbean by passenger traffic to maintain Puerto Rico’s status as a “must-see” destination. For FY2018, Puerto Rico estimated that ~1,7 million cruise ship tourists will arrive on the scheduled 540 ship calls, generating around USD 250M for the local economy. 2018 ended with handled nearly 1,8 million cruisers via 517 ship calls (21% increase over 2017). The Old San Juan Cruise Ship Piers are the most convenient for cruisers. As soon as you get off the ship, you can easily walk the 7 blocks magical city of Old San Juan and enjoy the top attractions and things to do on foot. You’re joyfully anticipating your cruise, we extend an early welcome to San Juan and we thank you in advance for your visit.

Most cruise ships stopping in San Juan, Puerto Rico dock at the Old San Juan port which puts you minutes from downtown. E-bikes are a great way to see old San Juan and the nearby beaches and forts. There are many affordable rental options; some will even deliver and pick up bikes at your cruise ship pier. There's really too much to do in one port call but that's what return trips are for.

San Juan, Puerto Rico's Cruise Port Is Getting a Makeover - Caribbean Journal

San Juan, Puerto Rico's Cruise Port Is Getting a Makeover.

Posted: Thu, 15 Feb 2024 08:00:00 GMT [source]

If your cruise is originating in San Juan, you might be departing from the Pan America terminal which is farther from downtown. Condado Beach fits the bill if you want to sit on soft sand and read (or watch surfers). This beach is 16 minutes away from the port by public transit or 9 minutes away by Taxi or Uber.

If you stay to view the Biobay at night, bring a towel and a long-sleeved shirt and pants to change into. You’ll also want to coat yourself in mosquito repellant (this bay is also called Mosquito Bay!) and bring a headlamp for safer nighttime kayaking. Transportation to Vieques will take about 3 hours each way, including driving and a ferry trip. You’ll enjoy secluded beach coves, jeweled water, and sightings of wild horses that call Vieques home. The pina colada originated in San Juan and innovative refreshing drinks continue to be a city hallmark. There are numerous hip, trendy bars and classic bars and restaurants in Old San Juan, as well as across the Condado and Isla Verde districts.

If you are not out and about when arriving in port, make sure to be out on deck when sailing away. Keep in mind that cruise ships arriving around noon will sail after sunset and, therefore, cruising into the port is a must. With a capacity for two ships to moor on each side, Pier 1 has a passenger terminal. This pier is where cruise lines other than the ones belonging to Carnival Corporation or Royal Caribbean will dock. If you are cruising with Norwegian (NCL), Costa, MSC, Disney, among others, this is where your ship docks. There are also two other terminal buildings (around 1 mile south of the Old Town) in what is known as Pan American Pier, where two cruise ships berth.

And an Instagrammer’s paradise in Vieques Playa Negra, which draws beachgoers from around the world with its unique black sand. Today, you’ll find a city with a focus on the future while still striving to preserve its own unique culture of dance, music, cuisine, and folklore. Travelers on cruises from San Juan or visiting San Juan as a port of call will find that tourism is a big part of the economy and will be charmed by its residents, who are known for their warm hospitality to visitors.

Discover historic forts, stroll along cobblestone streets, and savor the flavors of Puerto Rican cuisine before embarking on your cruise. While there are plenty of activities within walking distance of the cruise ship ports, if you have found an adventure or excursion that is farther away, the island has a lot of options for getting around. The San Juan cruise port offers historical sites, architectural delights, gorgeous beaches, tropical rainforests, and adventurous excursions.

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