Tuesday, April 30, 2024

How to Tell If Hair Growth Is From a Hormonal Imbalance

female chin hair

In rare cases, excess hair growth can signal a medical condition that requires treatment, such as PCOS, a tumor, or cyst. Sudden changes in facial hair patterns might mean your body is sending a sign something has changed. It can signal a hormonal imbalance caused by a medical condition or a side effect of medications.

What Causes Women to Get Hair Growth Around Their Nipples?

Once your body's insulin resistance is in control, there's a good chance your hair growth will return to normal. Electrolysis, or electropilation, is a process that uses electricity to permanently remove hair. There are a few different types of electrolysis, but the process generally works by inserting a fine probe into the hair follicle. From there, an electric current destroys the hair root, causing existing hair to fall out and preventing new hair from growing. That said, laser hair removal isn't recommended for everyone.

Hormone imbalance

"If you’re pregnant, taking a prescription acne medication, or have a history of keloid scars, I would advise against laser hair removal," Palm says. Here's what you need to know about the ways you can treat and prevent chin hair in women, straight from board-certified dermatologists Quynh-Giao Sartor, MD, Erum N. Ilyas, MD, and Melanie Palm, MD. Genetics most likely play a role because the condition runs in families. Certain ethnic groups of Mediterranean, Middle Eastern or South Asian decent are at a higher risk of developing the condition. Women with hirsutism due to overproductcion of androgen also may have small breasts and larger muscles than other women.

Hirsutism

Hormone changes like those we all experience during puberty can turn vellus hair into terminal hair. When we go through puberty, we’re producing more hormones — specifically, our body begins producing more androgens (also known as sex hormones or “male hormones”). New, long chin hairs can be annoying, but they’re often not cause for concern. And if they’re really bothering you, there’s a lot you can do to address them ― so don’t be afraid to chat with your doctor or dermatologist about any hair growth concerns you might have. All individuals produce androgens, but these levels typically remain low in individuals assigned female at birth.

What are the alternatives to facial shaving?

The unsightly hairs tend to be thick, and they sprout up quickly. What's more, if they're not removed properly, they can grow back as ingrown chin hair, which can cause inflammation, pain, and tiny bumps in the area where the hair was removed. To teach us how to prevent and treat ingrown chin hair, we called on the pros. Keep reading to hear what two dermatologists and a hair removal expert have to say about keeping ingrown chin hair at bay. "These are common symptoms of a condition called PCOS that requires particular attention and treatment."

The heartbreaking story of UP topper Prachi Nigam and the taboo around facial hair

Shaving your face can help clean up and brighten your skin, making it easier to apply makeup. It’s also good to see a doctor to rule out a medical cause for your facial hair. "Doing this increases the chances of more ingrown hairs. It can clog the follicle and cause inflammation, which is not an infection but can make the areas inflamed." "Keeping the face clean doesn’t prevent ingrown hairs because ingrown hairs aren’t caused by dirty skin," Ostad emphasizes. Cushing's syndrome is the result of the body dealing with an excess of the hormone cortisol, often referred to as the stress hormone. Many symptoms can indicate Cushing syndrome, from thick, dark hair on the face and body often sounding the alarm for doctors.

"What we do is clean off the area and then use a sharp tool to specifically open or puncture the area and express the follicle with its contents." "The best way of removing an ingrown would be with a laser," says Karavolas. "It would target the ingrown without damaging the surrounding area and remove [the hair] without causing scarring or pigmentation." According to Dr. Garshick, oral contraceptives or spironolactone may be prescribed upon evaluation by a doctor. "Oral contraceptive pills may help balance fluctuating hormones while spironolactone is an anti-androgenic drug often used to treat hirsutism," she says. Laser hair removal is another long lasting solution to deal with chin hair.

female chin hair

Diagnosing hirsutism

The 8 Best Facial Hair Removers of 2024, Tested and Reviewed - PEOPLE

The 8 Best Facial Hair Removers of 2024, Tested and Reviewed.

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Sartor explains that within the general population, hirsutism affects approximately 5 percent of women of reproductive age. While some facial hair is par for the course, Desai says that if the hair grows thick and coarse, there’s a chance that hirsutism (or excessive male-pattern hair growth) is at play. “Hirsutism affects between five and 10 percent of females of reproductive age,” she explains, noting that it’s caused by an uptick in androgens (aka male hormones like testosterone). Cis women “mostly have vellus hair with very few thick dark hairs on the face,” Cindy Wassef MD, assistant professor at the Rutgers Center for Dermatology, tells SELF. If you decide to give laser hair removal a try, know that there are some potential side effects to be aware of.

female chin hair

Another way to control unwanted hair growth is to use a prescription cream called Vaniqa, which makes hair grow more slowly, finely and possibly lighter in color when applied twice a day. But the cream only works for as long as it’s used — once you stop applying it, hair will grow back the way it grew before, Dr. Lamb said. While we don't know their exact cause, growths or masses on your ovaries can actually amp up your body's production of those facial hair-causing androgen hormones.

Even a slight increase in androgen or imbalance between your male and female sex hormones — which everyone has — can result in more terminal hairs in places you may not expect, like your chin. For more permanent results, laser hair removal is a good option. In fact, Sartor says this is the most effective method for permanently removing chin hair. Though rare, congenital adrenal hyperplasia can cause women to grow heavy coarse hair on their chins.

Laser hair removal or electrolysis can provide more permanent results than shaving, waxing, or depilatories. Hair removal techniques are a nonmedical way to manage excessive hair. These are the same hair removal methods that some people use to keep their legs, bikini line, and underarms free of hair. Side effects of eflornithine include skin rash and irritation. People with congenital adrenal hyperplasia are born without an enzyme that’s necessary for hormone production. An adrenal tumor can cause the overproduction of certain hormones, such as prolactin.

Electrolysis has a longer lasting effect than some other methods of hair removal, such as shaving or plucking. Make an appointment to discuss these changes with your doctor. Keep in mind, these are some general signs of hormonal imbalance. Unlike Kanye, I'm not going to let you finish but rather just go right ahead and interrupt what could turn into a very unnecessary worry spiral (you're welcome). Growing the occasional chin hair or two is fairly common in women and shouldn't warrant concern.

If the infection doesn't begin to improve in a few days, you should see your doctor, who can release the ingrown hair with a small cut. Use a good-quality pair of tweezers that won't slide off or break hair unnecessarily. If you break the hair, it sharpens the end (typically at a slant), increasing the chances of it becoming ingrown as it pierces the skin more easily. Luckily, tweezers don't have to break the bank to do their job. Tweezerman Slant Tweezers ($24) are almost everyone's top pick, for good reason.

“Double-dipping” can introduce bacteria into the wax and may cause a skin infection. When you’re shopping for wax, look for soft wax, or wax that’s formulated for use on the face. Talk to your doctor if you take medicines that can cause hirsutism. Individuals previously diagnosed with PCOS have a higher risk of developing hirsutism. Hirsutism can affect anyone, at any age, but you’re more likely to experience it if you have a family member who has also been diagnosed with it. The Office of Women’s Health states that individuals living with obesity, and those who have a family history of the condition, are at a higher risk of developing PCOS.

Kausel noted that while a little chin hair here and there in older women is normal, it should be minimal. If you notice a lot of growth, you should see a doctor for a blood test and, potentially, a pelvic ultrasound. And whether you do or don’t get those long chin hairs comes down to your genetics. There are treatments to help slow down your hair growth and lessen unwanted hair.

The heartbreaking story of UP topper Prachi Nigam and the taboo around facial hair

female chin hair

Self-care methods such as the following temporarily remove or reduce the visibility of unwanted facial and body hair. There is no evidence that self-removal of hair leads to heavier hair growth. Females with Cushing syndrome often grow excess facial hair and have irregular periods. A fatty hump between the shoulders, purple stretch marks, and a rounded face are other common signs of the condition. According to the Cleveland Clinic, hirsutism is common and affects 5 to 10 percent of women of childbearing age. It can cause dark, coarse hair growth on the chin, upper lip, chest, abdomen, and back.

Photos of hirsutism

If you’re living with obesity, your doctor may suggest losing weight to reduce the symptoms of hirsutism. Because obesity can change the way your body produces and processes hormones, maintaining a moderate weight may correct your level of androgens without the use of medication. And, again, each person has a unique hormonal makeup and genetic predispositions, so those random chin hairs are just part of what makes you, well, you. It’s hard to say exactly why you might have one or two that grow like a weed in the same spot, but Dr. Rodney says it can happen on a hair follicle by follicle basis. “I think of it as those particular follicles have a lower threshold for testosterone,” she says. "It's not uncommon for women in their mid to upper 20s to begin noticing stray hairs on their face," Dr. Akhavan says.

Real Talk: Why Do Rogue Chin Hairs Appear and How Do We Make Them Stop?

Hirsutism is excess hair most often noticeable around the mouth and chin. If your doctor has recommended it, losing weight may help with the symptoms, especially if you’ve previously been diagnosed with PCOS. Ultrasounds or MRI scans of your ovaries and adrenal glands may be necessary to check for the presence of tumors or cysts. Your doctor will take a detailed medical history when diagnosing hirsutism.

What to expect from your doctor

This is totally normal and happens to everyone, especially during puberty. Androgen-secreting tumors of the ovaries or adrenal glands are rare and account for just 0.2 percent of cases of hirsutism in women. The excess hair caused by these types of tumors usually grows suddenly and continues to grow even with medical treatment.

Health

Contrary to popular belief, your hair doesn’t actually grow in thicker — it just appears that way because the tips of the hairs are blunt rather than tapered after shaving. Women with PCOS usually have trouble with their menstrual cycles, have a deeper voice and have difficulty losing weight. PCOS also can cause acne and correlate with the development of diabetes. When you meet with an endocrinologist about facial hair, Dr. Makin says there are basic questions you’re likely to get. Facial shaving for women should be done differently than facial shaving for men.

female chin hair

Numerous social media users rushed to Prachi Nigam’s defence, condemning the trolls and pushing back against arbitrary beauty standards imposed on young girls. If you have excess, dark hair on your face, there may be a medical or genetic reason behind it. In these instances, seeing your doctor may help to provide long-lasting solutions. If you have more than your fair share of facial hair, talking to your doctor may help provide additional insight and possibly medical solutions that will help alleviate the problem.

When Is Facial Hair Growth a Sign of Hormonal Imbalance?

While chin hairs are a fairly normal part of life, it's totally understandable if they're something you want to change. If you're worried that removing those hairs will result in even more springing up in their place, fear not. "There's no truth to the myth that you can grow extra hair by removing the hair that you have," says Dr. Akhavan. So, yes, it's totally fine to pluck that straggling hair that you've been eyeing all day. Still, if your hair growth goes beyond a stray hair or two, it may be worth talking to your doctor to rule out (or better understand) if the root of it might be a hormonal condition. Doctors can also prescribe treatments to reduce chin hair in females.

This is especially true with hormonal shifts during certain times, such as puberty, pregnancy, and menopause. For better or worse, many societies teach us to see our hair as an expression of who we are. That can make any change — whether it’s a bad haircut, going gray or balding — emotionally difficult, regardless of your gender identity or expression. “Some interventions are really expensive, but there are cheaper options, too. What we choose also depends on the degree of hirsutism and the person’s pain tolerance,” Dr. Makin adds.

For example, birth control pills can help balance hormone levels by reducing androgen production. However, in some cases, it can be a sign of hormonal imbalances. Testosterone can cause chin and neck hairs in people of all sexes. But chin hair growth in females may indicate an underlying condition, such as a hormone imbalance. As women get closer to menopause, he said, the balance of hormones in their bodies shifts, and they can start producing more male-type hormones known as androgens.

The 10 Best Facial Hair Removal Products of 2024 - Business Insider

The 10 Best Facial Hair Removal Products of 2024.

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“Providers will examine areas that are known to be most sensitive to androgens, including the upper lip, chin, chest, abdomen, pubic region, arms, thighs, and back,” she adds. But losing weight if you're overweight might help reduce hirsutism, particularly if you have polycystic ovary syndrome. "Moisturizing the skin helps prevent keratinocytes or the hair follicle from having that sticky substance," Ostad says. "Moisturizing helps loosen the dead skin, making it easier to avoid the hair follicle getting clogged." When it comes to ingrown chin hair specifically, prevention starts with your skincare regime. This approach is another short-term option, and it can also irritate the skin.

Speaking to BBC News Hindi, this year’s Class 10 UP Board topper expressed dismay about trending on social media for her physical appearance rather than her achievement. Learn more about how sugaring works and the difference between sugaring and waxing. Tweezing can cause slight discomfort, but it’s not usually painful. If you have pain, rub an ice cube over the area to reduce redness and inflammation. Shavers can work on different parts of the body, but the results aren’t permanent or long-lasting.

Polycystic ovarian syndrome, or PCOS, is a common medical condition that causes an overabundance of chin hair. PCOS results from an imbalance of hormones and often causes additional symptoms along with the unwanted hair growth. That said, it’s actually common to have a few stray hairs on your chin. You can’t stop it from growing, but if you are troubled by it, it can be easily removed. That said, if you are female and have a lot of chin or facial hair, see your doctor as you might have an underlying medical condition.

PCOS disrupts your endocrine system, causing an overproduction of androgens. That hormone imbalance can cause hair growth in androgen-dependent areas of the body and scalp hair loss. It’s one of the most common causes of hirsutism, with severe cases sometimes causing women and people AFAB to develop full beards. Finally, while you may be tempted to pluck your chin hairs, Green strongly advises against that. “Plucking using a tweezer is not the preferred method of hair removal, as it can damage the skin and cause ingrown hairs and folliculitis,” she said.

What some view as a simple stray whisker can be devastating to others’ self-identities and self-concepts — and occupy big chunks of their daily lives. A 2006 study found that women living with unwanted facial hair reported high levels of anxiety and depression and spent, on average, 104 minutes on facial hair removal and maintenance every week. It lasts longer than shaving, but carries some of the same risks — such as causing ingrown hairs and skin irritation.

Plucking individual chin hairs with tweezers removes them temporarily. However, the procedure will not keep the hairs from coming back. Research shows different racial groups can have different levels of androgen and resulting body and facial hair.

Monday, April 29, 2024

10 Best Outdoor Cat Houses of 2024 Reviews & Top Picks

outdoor insulated cat house

Online reviewers are split over how durable they feel this is, with some saying it's very sturdy and others saying they're not impressed. Online reviewers note that it's sturdy and has plenty of room for multiple cats to relax. If you live in an area that can get strong rain, the brand recommends you put the house under a porch, in an enclosed patio, or under some type of cover. Online reviewers also recommend protecting it with a coat of weatherproof paint, especially if the house can't be under cover.

The 10 Best Heated Cat Houses For Warming Up Felines

outdoor insulated cat house

Many outdoor cats seek shelter somewhere elevated to take advantage of rising heat or find their way under the hood of a car to the still-warm engine. Because cats burn through so much energy trying to stay warm, they also benefit from eating frequent large meals to make up that lost energy. The Petsfit Outdoor Cat House With Scratching Pad has a bit of a strange design, especially compared to some of the more modern cat houses on this list. However, the house is spacious enough for one to three cats (up to 18 pounds each).

Deblue Cat House for Outdoor Cats

If you'd like to provide shelter from the cold and rain for a feral cat, this outdoor cat house could be a perfect home. According to the brand, its plastic-wood polymer composite is resistant to rot and warping and should not crack or attract bugs. We appreciate that you can simply rinse this house clean with a hose. And as always, we like that the house features more than one door — although both can be accessed from the outside as well as the inside, unlike a true escape door.

'It Takes Just Five Minutes To Save A Cat's Life': How To Protect Feral Cats During The Dangerous Cold Spell - CBS Chicago

'It Takes Just Five Minutes To Save A Cat's Life': How To Protect Feral Cats During The Dangerous Cold Spell.

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How do outdoor cats stay warm in the winter?

Assembly doesn't require any tools but reviewers recommend watching the YouTube video that explains how to set it up. Opt for a cat house made from durable and weather-resistant materials, especially if it will be placed outdoors. The house should also be well-insulated to maintain the heat effectively.

However, if you live somewhere very cold, that might not matter much. We typically love the Trixie brand when it comes to cat houses, and the TRIXIE 2-Story Cottage Outdoor Wooden Cat House is no different. It’s an adorable cat house with two stories, a large entrance, and several windows. It’s even made from weather-treated fir wood, which gives it a premium vibe. The wood also happens to be quite durable, which is a necessary feature.

Moderate DIY Winter Cat Shelters

There are a lot of options out there, but we think we've found a great selection for you to peruse. This cat house from Clawsable is elevated up off the ground by six inches to keep the interior as free as possible from the ground's moisture and cold. The waterproof cover is made from Oxford cloth that is removable and machine washable. This house is highly insulated with inserts covered in aluminum foil to help keep your outdoor cats warm and cozy during colder weather. It is also equipped with a heating pad for the bottom (powered with an electric cord) for cats to snuggle up on.

Once it is set up, the house provides a stable abode as the wood is made of anti-rot material to stand the test of time. However, raccoons and aggressive cats will be able to get into the Trixie and things could turn ugly. No outdoor cat is entirely safe, so you’ll have to decide what tradeoff you’re willing to make. They’re small enough to keep cats warm, but they won’t make the occupants feel cramped.

The Albany Outdoor Feral cat house promises exceptional durability in all seasons and conditions. One side is made with a cooling, waterproof material, ideal for the summer months, while the other side features plush material for colder seasons. When choosing a cat house for senior kitties or cats with limited mobility, you'll want to opt for one they can easily access from the ground, says Gaffud.

Per the brand, this house can also be used for pet rabbits or small dogs. I received the house yesterday and just put it together and it is WONDERFUL. Since 1990, Alley Cat Allies has led the movement to protect and improve the lives of ALL cats. Today, over 1 million supporters join us in our mission, and people worldwide look to Alley Cat Allies for leadership in humane, evidence-based programs for cats and kittens.

Catio Plan purchasers are directed to Catio Spaces’ website, specifically the DIY catio plan page. Catio blogs on the Catio Spaces website include links to DIY catio plan web page and mention 10% is donated to animal welfare organizations. The purchaser enters the affiliate’s promo code during the checkout process.

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If your cat house doesn't already come with insulation, you can add Mylar, Styrofoam, and straw to provide extra warmth. With a little effort, you can also transform plastic storage bins and Styrofoam or insulated coolers into solid houses, Phillips says. For instructions on how to build a DIY cat house, check out Alley Cat Allies step-by-step guide. "The big benefit of the bin outdoor shelter style is that it's waterproof," Phillips says.

outdoor insulated cat house

For added peace of mind, you can rest assured that these houses have been certified to USA/CA electrical safety standards. Most outdoor cat houses have an entry and exit door, enabling your cat to exit the back if a predator or aggressive feline starts to invade through the entrance. While this can offer protection from animals to which your cat is equally matched, it will do little to save your cat from a vicious domesticated or wild dog.

Whether you’re living with a cat who prefers to spend most of its time outdoors, or you support the feral cats in your area, an outdoor cat house can be a fantastic investment. The easy-to-assemble Petsfit house is the ideal size for keeping a kitty warm in cold, wet conditions. The pitched A-frame shelter is made with spruce wood and lined with high-quality plastic sheeting for waterproofing. An asphalt-covered awning over the front door keeps out the rain and snow. We like the Frisco Outdoor Wooden Cat House With Elevated Balcony Steps for several reasons.

15 Best Small Living Room Ideas How to Decorate a Small Living Room

design small living room space

In an interesting, character-filled scheme, no one will be thinking about how small the room is. Secure your modern flatscreen to the wall to create a streamlined look, freeing up the space beneath where you would otherwise have to accommodate a TV stand. Above a disused fireplace helps to use up otherwise redundant wall space too. If you have objects that are worthy of showing off then display them along an open shelf, above the sofa. Then paint the top half and the ceiling in a more neutral colour so it seems to disappear by comparison, and blurs the lines of where the walls end and the ceiling begins.

Choose Narrow Pieces

Whether you’re a minimalist who’d prefer light colors or an all-out maximalist who’d rather have every color in the rainbow visible at any given time, a defined color palette can be a blessing. If you’re in the color-obsessed category, try refining down to a handful of tones and see how much more depth the colors hold when they’re not competing with 10 other hues. If you’re in the former, consider a neutral color scheme that you can stick to without setting yourself for disaster anytime something’s spilled. This window seat creates a cozy nook, but doesn't intrude on any floor space, leaving the walkway between the couch and the television open and airy. A dark leather sofa is sleek and sophisticated, but it's not going to do much to open up a small space.

Play with scale to create impact

design small living room space

Heather Knight-Willcock is an interior designer based in Southern California. Her refined, approachable style has earned her a reputation for creating engaging and inspiring residential and commercial spaces. Many of us are looking for ways we can do better for the planet, and interior designers are now bringing this mindset into how they design homes. 'Everyone knows mirrors are good at doubling a sense of space but I love a mirror for how it magnifies light and adds a magical mood,' says designer Henriette von Stochausen. So whether you're working with a small apartment living room or a compact sitting room in a family home, you can make the space work best for you with some clever styling. Even if your ceilings aren’t abnormally tall, you can create the illusion of extra height with tall plants, shelves, or bookcases.

Use the same color on walls, woodwork and furniture

Take the emphasis away from the entrance by creating a focal point with thoughtfully arranged living room seating. Arrange your seating and surfaces facing into the centre of the space, visually blocking the door. Choosing the best corner sofa set up means there will also be more room for extra seating by way of large floor cushions or a footstool. Mount some carefully camouflaged white storage units at the top of the living room walls to stash clutter out of sight. The space saving shelves will allow for storage without taking up too much needed space.

Small Bedroom Ideas: How To Maximize A Tiny Space Reviews by Wirecutter - The New York Times

Small Bedroom Ideas: How To Maximize A Tiny Space Reviews by Wirecutter.

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You'll have all the benefits of the sense of space that you get from open-plan. However, what broken plan also does if offer more of a visual separation between your zones without having to block them off with doors. Keep window treatments sheer and light rather than having anything too heavy, and it'll make the area around the window feel more spacious. ‘Changing accessories in your living room can make a huge difference. When designing a small living room, the worst design mistake you can make is going small with your rug choice. When trying to make your small living room look bigger, it's important to note that if your rug it is floating like an island between your furniture it will only make the space look smaller.

Cuddle up in a love seat

It’s not the size of a room that matters — it’s all about how you make the most of it. That’s true for any place in your home, but it especially goes for the living room. Comfort is key in this space, especially because it’s the spot where you’re most likely to pass the time with friends and family. Take the chill off a compact nook by mixing and matching fabrics and textures. Think leathers, woods, sisal and raffia to add both a tactile dimension and warmth with the natural tones.

Let your furniture float

That said, we put a lot of research—hours' worth—into choosing and vouching for the pieces on our list. First and foremost, we chose only the best-looking curved couches on the market. Next, we consulted reviews, plucking out the sofas with the most five-star ratings and positive feedback from verified reviews. "Floor-to-ceiling window treatments, bed canopies, and picture frame molding draw the eye upward, creating a sense of height," explains Levenson. "Layering pattern and texture with textiles, wallpaper, pillows, and art adds depth and coziness to a small bedroom," she adds. Sure, chandeliers might be thought of more as a lighting choice for a dining room, but they can make a great impact in a small living room.

Make the most of any floor space by keeping it as clutter-free as possible. That includes any small bits and bobs you might otherwise have laying around. However, in a small space, you may feel apprehensive about introducing too many dark colours for fear of making the room feel cramped.

If there’s one thing that’s going to create the illusion of more space, it’s decluttering – it can actually make a room feel wider in seconds. Make sure you keep your room tidy and organized by removing toys, plants, knickknacks and other unnecessary items, and your space will instantly feel bigger and more pleasant to be in. That means you can afford to spend a bit less on accent pieces, like side tables and lamps. These don’t need to be as durable, and you can feel free to swap them out every few years as your taste changes.

A rug can visually draw together the furniture in a space, giving a room focus and adding comfort. "Cozy it up with things like drapery, a canopy, wallpaper, or wood planking to make it feel as cozy as possible!” says Palm Beach interior designer Ellen Kavanaugh. When arranging living room furniture, keep in mind that sofas and chairs should face each other where possible to create 'conversational' seating. 'When you have people over for gatherings, you notice when you’ve got the seating arrangements right, says renowned interior designer, Nina Campbell. Honestly, there’s nothing a gorgeous pendant lamp or a sculptural wall sconce can’t fix. Invest in statement lighting to draw attention to your favorite areas, set the mood, and create intentional design moments in your home.

It might sound counterintuitive, but a few oversized furnishings can make a small space appear larger. Trying to cram in too many small pieces can create a cluttered feeling. A sofa capped with a chaise longue helps this room live large in form and function. If your small living room lacks a natural focal point like a fireplace, create one. Matching bookshelves and wall sconces flank the artwork, creating a pleasing sense of symmetry. Artificial lighting can be a great solution if natural lighting is limited or lacking.

Much like the kitchen, the living room can just as easily be considered the heart of the home. It's where you unwind after a long day, read a good book, entertain loved ones, and so much more. But if your living room is lacking square footage, you might be puzzled by how to achieve a stylish look that's both practical and comfortable. Consider these 15 small living room decor ideas to make the most of your space.

In this living room, white walls and furniture combine with a black fireplace to form a neutral foundation, while dollops of blue and a touch of wood tones anchor the scheme and keep it interesting. When decorating your living area, it's easy to want that bookshelf, TV cabinet, or even coffee table you have had your eyes on, but it's not always practical. Swap the bookcase out for shelves and replace your cabinet with a wall-mounted one. For a coffee table, find one that can be utilized as a coffee table and extra storage or seating - an additional puff works well. Create a feature wall with contrasting paint colors, textured or patterned wallpaper or attachable panels.

In any room that’s tight on space, it’s tempting to push all big furniture up against the walls to create a kind of pool of open flooring in the middle. But, though useful for doing cartwheels—and there is some real liberation in being able to do just that—the space would be put to better use serving a function. Let our modern small living room ideas prove just how much you can do with limited floor space. If you don't have enough floor space for a bookshelf, look to your walls as designer John Wooden did in this bungalow. These high-up shelves offer plenty of flat surface area without taking up any of the valuable square footage down below.

It's chic yet masculine, and colorful without being overly saturated. A common misconception in a small living room is to push furniture against the wall. Give the room space to breath by leaving gaps between the furniture and the walls. Enlarge a small living room by pulling the furniture away from he walls, even by just a couple of inches, creates bathing space that will make your room appear bigger. Not quite a brown, not a grey, either, taupe falls somewhere between the two.

Sunday, April 28, 2024

Outdoor Cat Shelter Options Insulated & Heated Feral Cat House Ideas

outdoor insulated cat house

Larger homes are tougher to heat and can also end up encouraging other animals to enter. Of course, if you are looking to provide a place for multiple cats, you will need something bigger. Ultimately, it is worth getting a tape measure to compare your cat’s size to the dimensions of the house. Our number one pick of all is this stylish cat condo which is big enough to provide the perfect spot for several felines. The pre-drilled holes ensure that it is easy to assemble, while your cats have the choice of whether they would like to enjoy the fresh air on top or shelter underneath. It is likely that you are going to need to clean your cat’s home from time to time, and you don’t want your job to be overly complicated.

#1 K&H Pet Products Mod Thermo-Kitty Heated Shelter Great for Outdoor Cats Review

All cats are different, but most felines will naturally seek out a safe and comfortable shelter during the colder months, or when they’re looking for a place to sleep outdoors. A good outdoor cat house can provide kitties with more comfort, as well as a way to protect themselves against predators. "Materials like fabrics or cushions absorb moisture and can freeze, creating an ideal scenario for hypothermia," Wolko says. You can safely use electric pet heating pads in cat shelters near your home if you regularly monitor, clean, and dry them.

Can kittens use heated cat houses?

The only downside is its relatively short power cable, which only extends five and a half feet. The sleek design integrates easily with your furniture and is easy to clean, with a detachable cover and machine washable heating pad cover. It is suitable for all seasons, with an extra thick velvet cover for colder months and the option to remove the heating pad for warmer weather.

Petmate Kitty Kat Condo Outdoor Cat House

Closely linked to the previous section, it is worth knowing a little bit more about how long your cat house is likely to last. Of course, the vast majority of people want this to be a long-term purchase and dp not want to keep buying a new one time after time. Many products have some sort of guidance on this subject, and others include a warranty which gives you an added guarantee. You could look in more detail at what sort of protection they offer against mold, water, and any other substances which could cause an issue. So, you have read through the product selection and think that you have the ideal cat house chosen? Before you make your final decision, there are some key considerations which are worth bearing in mind.

What to consider when shopping for an outdoor cat house

After all, you don’t want to have to go through the time and effort of putting up the cat home, only to find that it is simply not right for your feline friend. The roofing is rainproof to ensure that your cat stays nice and dry, while the raised plastic floor keeps air circulating to ensure that the floor remains comfortable. The large door at the rear offers quick access and easy maintenance. This enclosed playpen measures 28.75″ L x 20.5″ W x 25.75″ H and weighs 17 lbs. It has a multi-tier main house and a yard enclosed with wire fencing. The main house has two stories for multiple cats and is complete with a paned window, sliding door, small hinged door, and ramp for easy access.

First, your cat should always have an escape route in case a predator or another cat shows up. The last thing you want is for a predator to be blocking the only doorway and your cat to be stuck inside. Their natural instinct is to choose hiding places with multiple entrances, just in case a foe shows up. Therefore, many cats won’t use a house if it only has a single door. This means using only cat-safe materials, and the wood used shouldn’t contain tons of chemicals.

Feral cats may also prefer an elevated house, since a shelter raised off the ground will likely stay drier in wet weather. For decades, the Good Housekeeping Institute has been providing expert reviews and advice on everything a pet parent needs, including outdoor cat houses. She shared her thoughts on the features that are worth paying extra for, including an escape door and high perches. "Mostly, an outdoor cat house should be resistant to heat and cold and should provide adequate shelter from the elements," Conrad says.

outdoor insulated cat house

The heating pad heats up when the cat is inside and turns off when it leaves. It won't overheat the animal since it's set to match the cat's body temperature. Heated cat houses usually contain a built-in heating pad or element that is either battery-operated or needs to be plugged into an electrical outlet. The heating element should evenly distribute heat, providing a warm, comfortable space for your cat. This outdoor cat shelter offers both comfort and protection from bad weather conditions. There is a pair of entry and exit points, so your cat can decide how they would like to get in and out, and they have a means of escape if needed.

Kitty Tube Outdoor Insulated Cat House

outdoor insulated cat house

If you don’t want to spend much time constructing a cat house, a simpler alternative is making one from a plastic tote. Look for weatherproof and waterproof houses that will keep cats dry and comfortable in damp, stormy weather. If you live in a climate where the weather gets cold, look for a small, insulated house that will contain body heat. In general, full-time outdoor or stray cats don't use the best cat litter boxes like indoor cats do, so you don't necessarily need to add one to your cat house.

Do Cats Get Cold? Here's How Cold Is Too Cold for Cats to Be Outside - Daily Paws

Do Cats Get Cold? Here's How Cold Is Too Cold for Cats to Be Outside.

Posted: Thu, 07 Jan 2021 08:00:00 GMT [source]

An outdoor catio may be the cat enclosure that you're looking for. "Catios are meant to be an outdoor enrichment environment for otherwise indoor cats," explains Dr. Conrad. One of the major advantages of this wooden cat house is how easy it is to assemble. There are two escape points which ensure that your pet is not going to get trapped by predators.

Although this house isn't raised off the ground, it features a thick layer of foam insulation on the bottom to prevent the floor from getting too chilly or wet. Up to three cats can be housed in a Kitty Tube, and unique features like lid vents help the interior stay dry. Online reviewers like how waterproof this cat shelter is, and say it is easy to remove the top of the tube for cleaning or air-drying the house.

Many of these houses feature large openings which make it easier to reach inside and do the necessary cleaning work. First, look closer at ahat sort of materials have been used to make the cat house. You need to match the materials to the environment that the house will be put in.

When choosing a cat house for hot climates, good ventilation and shade are both crucial, says Stephen Quandt, certified cat behaviorist at Cat Behavior Help. Houses with a covered porch are especially ideal, since the porch will have the most ventilation of any part of a cat house, he says. The K&H Pet Products Heated Kitty House is just large enough for two cats to snuggle up together.

Depending on your location, it can also provide important protection against dogs, coyotes, foxes, raccoons, and snakes. The door size and type are also important, since smaller sizes and types of doors can rule out entrance by potential invaders. Our favorite outdoor cat house is the Petsfit Cat House, with its weather-resistant, sturdy, and attractive triangular design. If you’re looking to house multiple cats, check out the Rockever Luxury Two Story Outdoor Cat Shelter with Escape Door Rainproof Outside Kitty House instead.

First off, we found it to hold in warmth pretty well, thanks to its four layers of insulation. The material is also waterproof, and the elevated feet help keep the interior safe and dry. Unlike other heat pads, you don’t have to adjust anything because it maintains a consistent (and safe) temperature. What’s more, the roof features a handle stitched on top, so you can move this cat house around with ease. We all know K&H for its high-quality cat houses, so we’re not surprised that this one made the top of our list.

Saturday, April 27, 2024

Pro Tips for Easy Cake Decorating

cake easy design

This cake is just so impressive and enchanting when you slice into it. The combination of tart lemon and sweet, dark berries coupled with the rich buttercream frosting make this a refreshing yet decadent dessert. This pretty buttercream dogwood cake design makes a beautiful tiered cake, but could also easily be simplified for a single tier (or sheet cake).

How Tumblr turned social media polls into a game design challenge - The Verge

How Tumblr turned social media polls into a game design challenge.

Posted: Mon, 20 Mar 2023 07:00:00 GMT [source]

Beginners Cake Decorating Tips

I find I typically need 5 cups of frosting for a 2-layer cake and 6-7 cups for a 3 layer cake. For the easiest and prettiest cake decorating, use a sturdy icing that you can easily manipulate. It should be easy to spread (to help keep from dragging up large crumbs in the cake) but not so thin or so warm that it falls off the cake. Many bakers who are just learning how to decorate a cake don’t realize how important their choice of icing really is. How to Make Naked Cake- Using fresh flowers to decorate cakes is classic and timeless.

Easy Buttercream Wedding Dress Cake

Then top with red frosting, shredded cheese (AKA white chocolate curls) and candy versions of your favorite toppings. Our Test Kitchen cut up fruit roll-ups for pepperoni. If you have a little mermaid in the family, your birthday cake decorating ideas might take some hints from under the sea. This cake uses a plain pastry tip and an offset spatula to create a scale-like pattern. You can also use the same technique on sheet cakes.

Peanut Butter S’mores Bars

Indulge in rich, Southern-inspired taste that's equipped with chopped nuts and irresistible coconut frosting. This straightforward recipe for carrot cake cupcakes includes the frosting recipe, too, so you won't have to go hunting it down. Be prepared to pile it high, or you can simply scale it down to make less frosting. If you have the time, pop your cake layers into the freezer to firm up—30 minutes should do the trick. The cake will be sturdier and the chill will help contain some of the crumbs.

cake easy design

Fairy or princess party

It is such an easy cake design, and beautiful too! This wedding-worthy cake gets its gorgeous look from glitzy additions like sugar pearls and tinted frosting. Use pastry bags with various tips to make fun floral, swirly, or simple line designs. Finish off this creative cake decoration idea with a cute-as-a-button bow. Sweet and swirly, our playful lollipop cake makes a statement on a party table. To make the bright topping, twist 2-foot strips of multicolor fondant into one long rope.

However, if you’re not a pro, here’s how to make box cake taste homemade. All you need to learn how to decorate a cake are a few basic tools (we bet you already have most of them in your kitchen) and a bit of patience. This birthday cake decorating idea is super fun—and relatively fuss free. For this cake, you only need to make a single round cake.

Keep your worries at bay, as we have some cake-decorating ideas to make you look like a baking goddess with magical decorating powers. A wild streak runs through this dessert beneath a coating of rich chocolate frosting. Cut a slice and reveal zebra-like stripes of vanilla and chocolate cake.

cake easy design

Here’s How to Decorate a Cake Like a Pro

Just bring your sweet tooth and a few fun toppers. Use gum balls, a thin chocolate square, and a scoop-shape corn chip to create this old-school, candy-theme dessert. A cake covered in pretty frosting flowers looks impressive, but all it takes to create one is a little piping practice. Use star tips in various sizes to incorporate a mix of large roses and dainty rosettes.

Top 10 cake designs to look forward to in 2018 - The Times of India

Top 10 cake designs to look forward to in 2018.

Posted: Tue, 12 Dec 2017 08:00:00 GMT [source]

Theme your cakes with seasonal fruit, for example, you can use clementines and dried fruits for a winter cake. From fresh raspberries to dried raisins, to succulent strawberries, there’s a range of fruit that will make your cake look fancy and fresh. For a taste of summer, brighten up a drab cake with light and refreshing fruits. While most beginners are intimidated when it comes to piping, there are ways to start slowly. At first glance, this cake might sound complicated. However, once your guests notice the flowers are made of different flavors of licorice, they will be left speechless.

Brush an ice cream cone with edible gold dust and then use various pastry tips to create the unicorn’s mane. If you are no expert but still want flowers for cake decoration, use a frosting tip that is easy to handle. Make single-colored or multi-colored flowers and cover the entire cake with them. Take the flower tip and cover the cake with roses made with frosting. You can use single frosting or different colors to give the birthday cake a colorful look.

Learn How to Make Candied Nuts (Glazed Nuts), if you have never made them before. You can also decorate with Candied Orange Peel and Slices. Instead of fresh cranberries, use these Easy Sugared Cranberries (Candied Cranberries) which are so sparkly. Simply sprinkle chopped walnuts along the base of the cake as well as around the top edges. Remember the impossibly tender cakes Grandma used to make?

Top these cakes with an easy glaze and a splash of sprinkles. You can also finish them off with a hefty dose of frosting—we call that a copycat Nothing Bundt Cakes cake. Divide your favorite frosting into three batches and dye each in various shades of the same color.

Recreate the flavor of this soft, perfectly glazed sheet cake at home. This top-notch recipe gets rave reviews for its simplicity and superior taste. This easy cake was made popular during the Great Depression, most likely because you don't need eggs, butter, or milk to make it. Originating from South Korea, lunch box cakes are just smaller versions of regular sized cakes.

Mortgage Refinance Calculator

house refinance calculator

We do not include the universe of companies or financial offers that may be available to you. Current HELOC rates are relatively low compared to other loan options, including credit cards and personal loans. But we could see rates start trending down in the second half of the year. In their latest forecast, Fannie Mae researchers predicted that 30-year rates would fall to 6.4% by the end of this year, and reach 6% by the end of 2025. This would allow more hopeful homebuyers to enter the market and find a home with an affordable monthly mortgage payment. Borrowers with FHA loans must refinance into a conventional loan in order to get rid of their mortgage insurance premium, which can save hundreds or thousands of dollars per year.

Read In-depth Refinance Rates Analysis by Day

An adjustable rate stays the same for a predetermined length of time and then resets to a new interest rate on scheduled intervals. A 5-year ARM, for instance, offers a fixed interest rate for 5 years and then adjusts each year for the remaining length of the loan. Typically the first fixed period offers a low rate, making it beneficial if you plan to refinance or move before the first rate adjustment. Most home loans require at least 3% of the price of the home as a down payment.

How to compare mortgage refinance offers

By paying back your mortgage in a shorter period with a higher monthly payment, you might be able to reduce the total interest charges. It does so by estimating the cost to refinance a mortgage and providing a simple platform to make a comparison between your current mortgage and the new refi home loan. You'll be able to own your house sooner than you would with your current mortgage, which may put you in a better financial situation down the road. In the meantime, you'll likely save quite a bit on interest, since loans with shorter repayment periods generally have lower interest rates. Our scoring formula weighs several factors consumers should consider when choosing financial products and services. If you’re doing a cash-out refinance, you’ll take out a new loan with an amount larger than your current mortgage balance.

Mortgage Calculator - Money

Mortgage Calculator.

Posted: Thu, 28 Mar 2024 07:00:00 GMT [source]

Compare mortgage rates for different loan types

If you have enough equity in your home, you may be able to refinance to take cash out. Taking cash out means refinancing your home with a larger loan amount. Your new loan pays off your existing loan, and you get to pocket the difference. Consumers who compare loan offers and choose the most competitive rate can save thousands of dollars in interest charges, according to LendingTree data.

house refinance calculator

How soon can you refinance a mortgage?

Your credit score and whether or not you’re a veteran will both influence your refinance options. When you refinance your mortgage, you’re not redoing it; you’re replacing your current mortgage with an entirely new loan. You could refinance with your current lender or work with a different one. For most borrowers, the current high-rate environment is not an ideal climate for replacing a loan with a new one. Regardless, a refinance might be in your near future for many reasons. Here’s how refinancing a mortgage works, the common options available to you and pros and cons to consider.

How can I find the best cash-out refinance lender?

This formula can help you crunch the numbers to see how much house you can afford. Alternatively, you can use this mortgage calculator to help determine your budget. In addition, the calculator allows you to input extra payments (under the “Amortization” tab).

house refinance calculator

Reverse mortgage

This is a significant slowdown compared when it peaked at 9.1% in 2022, but a slight uptick from the previous month's reading. We'll likely need to see more slowing before rates can drop substantially. By clicking on "More details," you'll also see how much you'll pay over the entire length of your mortgage, including how much goes toward the principal vs. interest. Andrea Riquier is a New York-based writer covering mortgages and the housing market for Forbes Advisor.

What is a mortgage refinance?

Unlike a cash-out refinance that replaces your first mortgage with a new loan, these products are technically second mortgages that you’ll pay in addition to your existing loan. However, keep in mind that because lenders consider cash-out refinances to be riskier compared to standard rate-and-term refinances, they tend to come with somewhat higher interest rates in comparison. Your rate will also vary depending on whether you opt for a conventional loan or a loan backed by the Federal Housing Administration (FHA) or Department of Veterans Affairs (VA). Adjust the graph below to see historical refinance rates tailored to your refinance program, credit score, down payment and location. Consider recent fluctuations before deciding the best time to refinance your mortgage.

Refinancing could save you

Bi-weekly payments equate to one extra payment each year and 51 fewer months on a 30-year loan. Before signing, confirm a bi-weekly payment option with your lender. The closing disclosure and the loan estimate list the closing costs to finalize the loan. A short refinance is best for homeowners with an underwater mortgage who want to stay in their home and need more affordable loan payments. The lower your rate, the more you'll be able to borrow, so shop around and get preapproved with multiple mortgage lenders to see who can offer you the best rate.

What should you consider when looking at potential monthly payment savings? Variances in this example compared to your actual payments could affect the estimated total monthly payment and also reduce or eliminate any displayed estimated monthly payment savings. Lenders also rely heavily on an applicant’s credit score and debt-to-income ratio when deciding whether to extend a new loan. Once you’ve plugged all the numbers into the calculator, you can use the key outputs to determine whether a refinance makes sense. More about that below, but if your closing costs will be $4,800, for instance, and your monthly savings are $200, then you’ll break even in 24 months or two years.

If you find any errors on your credit report, be sure to report them to both the credit bureau and the business that made the error as soon as possible. Both parties must correct the information in order for it to change on your credit report and be reflected in your credit score. While eligibility criteria for a cash-out refinance can vary by lender, there are a few common requirements. Afterward, you’ll be given an estimate of how much you might qualify for with a cash-out refinance as well as what you can expect to pay per month and overall. Loan amount - If you're getting a mortgage to buy a new home, you can find this number by subtracting your down payment from the home's price. If you're refinancing, this number will be the outstanding balance on your mortgage.

Just like acquiring your purchase mortgage, you’ll need to gather your supporting documentation such as your recent pay stubs, W-2s, and bank statements. But you’ll also need details about your existing mortgage, including the remaining loan amount, the number of years left to pay and the interest rate. This information helps you and your lender calculate the best refinance loan option for your financial situation. The offers that appear on this site are from companies that compensate us. But this compensation does not influence the information we publish, or the reviews that you see on this site.

The taxes may be assessed annually or semiannually, and you may pay them as part of your monthly mortgage payments. Depending on when you close your loan, some of this property tax may be due at the time of closing. Use this refinance calculator to calculate estimated monthly mortgage payments and rate options. The length of time you plan to own the property should guide your decision to refinance.

A cash-out refinance is a refinancing option that allows you to pay off your existing mortgage with a larger loan. You’ll receive the difference as a lump sum to use how you’d like (minus any closing costs and fees). Use Zillow’s home loan calculator to quickly estimate your total mortgage payment including principal and interest, plus estimates for PMI, property taxes, home insurance and HOA fees. Enter the price of a home and down payment amount to calculate your estimated mortgage payment with an itemized breakdown and schedule.

Sky high mortgage rates have pushed many hopeful buyers out of the market, slowing homebuying demand and putting downward pressure on home prices. The current supply of homes is also historically low, which will likely push prices up. Hotter-than-expected economic data has pushed mortgage rates up this year. Until things cool off further and inflation decelerates, rates will likely remain near their current levels.

Mortgage Interest Rates Today, April 29, 2024 Rates Unlikely to Go Down Until Later This Year

house refinance calculator

If you've gained equity of at least 20%, whether by appreciation or by simply paying your mortgage, you may be able to refinance to cancel mortgage insurance and save money with each monthly payment. Rolling the closing costs into your refinance loan will increase your monthly payments. A rate-and-term refinance is best for homeowners who want to lower their interest rate. This is only possible when prevailing market rates are lower than your current rate. If you can refinance to a lower rate, you could save significantly on your monthly payment, as well as on the total interest you’ll pay.

Is it worth refinancing?

Plug the numbers into our refinance calculator and see what impact a drop in rates could have on your payments. When you refinance your home loan, you pay off your existing mortgage with funds from the new loan, which means you will have a new loan note. If your objective is to save money, then your new refinance rate should be low enough to offset the cost of acquiring the loan. Use a mortgage refinance calculator to determine the refinance interest rate that would make it financially worthwhile.

How can I get an estimate of my rate?

Typically, you can take out no more than 80 percent of your home’s value. You’ll receive the difference between the loan amount and your outstanding mortgage in cash, which you can use for any purpose. For example, if your home is currently worth $380,000 and you still owe $120,000 on your mortgage, your maximum cash-out would be $184,000 (less closing costs). A mortgage calculator can help you determine how much house you can afford. Play around with different home prices and down payment amounts to see how much your monthly payment could be, and think about how that fits in with your overall budget. It’s always a good idea to get multiple loan estimates when you’re trying to capture the lowest rate available.

Cash-out refinance

There is also an FHA Streamline Refinance in order to refinance an existing FHA loan into a new FHA loan, which usually results in a reduced rate. Note that a credit check is required, and the mortgage must be in good standing in order to use this option. For more information about or to do calculations involving FHA loans, please visit the FHA Loan Calculator. If you secure a fixed mortgage rate your payments won't be impacted by future rate hikes. You can switch over to refinance loans using the [Refinance] radio button. Adjustable-rate mortgage (ARM) loans are listed as an option in the [Loan Type] check boxes.

Michigan Mortgage Calculator - The Motley Fool

Michigan Mortgage Calculator.

Posted: Thu, 07 Mar 2024 08:00:00 GMT [source]

Alabama Mortgage Calculator - The Motley Fool

Alabama Mortgage Calculator.

Posted: Thu, 07 Mar 2024 08:00:00 GMT [source]

For example, you might use this type of loan to pay for home improvements, cover education costs or consolidate high-interest debt. Your loan program can affect your interest rate and total monthly payments. Choose from 30-year fixed, 15-year fixed, and 5-year ARM loan scenarios in the calculator to see examples of how different loan terms mean different monthly payments. Unlike an interest rate, however, it includes other charges or fees (such as mortgage insurance, most closing costs, discounts points and loan origination fees) to reflect the total cost of the loan.

How does my credit score affect my ability to refinance?

For example, if you still owe $250,000 on your home, and it’s worth $325,000, your home equity is $75,000. You won’t need to repay the money until you die or sell or move out of the home, but you’ll need to continue paying for homeowners insurance and property taxes. With a cash-in refinance, you’ll make a lump-sum payment to lower your mortgage balance. This new, lower balance is then refinanced to a new mortgage at a different interest rate, term or both.

There should be a good reason why you’re refinancing a mortgage, whether it’s to reduce your monthly payment, shorten your loan term or pull out equity for home repairs or debt repayment. In addition, if you want to pay off your mortgage faster and reduce the total amount of interest, you can do a rate-and-term refinance into a shorter loan. This doesn’t change the amount you owe, however, so your monthly payments might be higher.

Once you’ve chosen a lender, discuss when it’s best to lock in your rate so you won’t have to worry about rates climbing before your refinance closes. A short refinance is an option for borrowers who owe more on their mortgages than what their home is worth. In this process, your lender agrees to refinance your current mortgage to a new, smaller loan that aligns with the current value of your home.

house refinance calculator

For more information about or to do calculations involving student loans, please visit the Student Loan Calculator. When refinancing mortgages, there are a number of common fees that may apply. There is an input in the calculator to consider these in the subsequent calculations. You can also speed up your loan repayment to a bi-weekly cadence, which many lenders allow.

For example, if you only anticipate owning the home for a few more years, you likely won’t save enough on mortgage payments to justify the added costs of refinancing. Alternatively, it may make more sense to refinance your forever home because you’ll have longer to recoup the cost of refinancing. Learn about refinancing your mortgage and explore ways that you might be able to lower your monthly payments with better loan terms. It is possible to refinance a car loan in order to increase the length of the loan, thus reducing the size of the monthly payments. Although this gives borrowers a bigger window to pay off their car loans, it typically increases the cost of the loans because more interest will be paid. Students who find that they are unable to meet payments regularly may consider requesting deferment or forbearance, which can postpone required payments for some time.

Amortization ensures you pay more interest than principal during the first half of your loan term. Refinancing restarts your mortgage amortization schedule with the new loan, reducing the amount of principal you’re paying each month. If you plan to sell your home soon or if you’ve been paying your mortgage for more than half of the term, be sure to use a loan refinance calculator. There are many types of refinancing, so consider each within the context of your unique financial situation. Your goal might be to adopt a shorter loan term, or maybe your focus is to lower monthly payments.

You can also get a cash-out refinance, which allows you to borrow against the equity in your home, pulling some portion of the difference between what you still owe and its current value. Many lenders cap cash-out refinancing at 80 percent of the home’s total value on most loan types. The money you tap from your home’s equity can be used to consolidate higher-interest debt or to improve your home.

Refinancing your mortgage — and choosing which type of refinance to do — is a major decision. Here’s a guide to the many ways you can refinance your mortgage, and tips to decide which is best for you. Many forecasts expect rates to fall this year now that inflation has been coming down. But recently, data has been somewhat sticky, so we may need to wait a bit longer for rates to go down.

Preferred Rewards members may qualify for an origination fee or interest rate reduction based on your eligible tier at the time of application. Depending on your tier, you may be required to enroll in PayPlan from an eligible Bank of America deposit account prior to the loan closing date in order to receive the full program benefit adatext . When you refinance a mortgage, your bank pays off the original mortgage with the new one. If you plan to sell your home within a few years, pay attention to the breakeven period. You'll lose money on the refinance if you sell before breaking even. You have the green light to refinance if both the payment and interest over time will go down.

How to Decorate a Cake Like a Professional Baker

cake easy design

Buttercream holds it’s shape better when it is cold so after you make it put it in the fridge for a little bit before you put it in your decorating bag. Freeze Your CakesMaking and decorating a cake can be a lot of work, and splitting it up into stages has its advantages. Cakes stay fresh in the freezer for up to a week, so you can bake the cake on a Thursday, freeze it and decorate it on a Sunday, for instance. Splitting it up gives you more time, making the process less stressful. They don’t crumble as much and levelling cakes is easier when they’re frozen.

Party favours

Forget sprinkles and frosting—this easy homemade cake decoration is all about the fruit. Warm pears, apples, and cranberries give this dessert plenty of fall flair. Shower the finished layer cake in a smooth and creamy caramel sauce.

The Ultimate Cookie Lover's Cake

Making extra will give you some much-appreciated wiggle room. Plus, you will often need extra anyways if you want to do decorative piping on top (more on that below!). Decorators often forget about (or aren't familiar with) St Honore Piping Tips, but they are so much fun to work with and the results are so uniquely beautiful.

How do you decorate a cake with fresh flowers?

Also, check out 13 more cake decorating ideas here. This cake is covered head to toe in gorgeous candy and the coloured frosting between each layer adds a lovely surprise when you cut into it. This is a perfect art cake design if you’re not looking to use piping bags. You’ll need materials like a cake stand, cake rounds and an icing spatula to create this candy-covered masterpiece. Not all birthday cake decorating ideas involve piping bags and heaps of sprinkles.

Instead of using regular-sized birthday candles, make your kid blow out a set of candles almost as tall as they are. However, it might be hard to come across these candles. If you are experienced at candle-making, feel free to customize some for your little ones. Do you still have some Halloween or easter candy left over? Cover every inch of the cake with the candy and see your kid beaming from ear to ear. Learn all about cake with these incredibly helpful articles.

cake easy design

Cake decorator finds niche with custom Native American designs - Watertown Public Opinion

Cake decorator finds niche with custom Native American designs.

Posted: Mon, 18 Mar 2019 07:00:00 GMT [source]

Get some edible flowers, arrange them as you like, or take inspiration from the internet. This cake captures all the vibrant colors and fresh flavors of a spring garden in every sweet bite. The festive flowers and lemon-scented cake and frosting make it bright, citrusy and delicious. Use your creative skills to give one of these minimalist cake design ideas a try. And discover for yourself that happiness is baked, not bought. Naked cakes are a popular form of minimalist cake.

Rainbow Layer Cake

Easy Cake Tower- Stack cake slices in this whimsical way and you will end up with a gorgeous tower that you can decorate with fondant ribbon roses. Wafer Paper Flowers- You can cut this edible paper in any shape you like with scissors and even color it with edible lustre dust. You can use fine tip ones to draw fine details and outlines and use the regular wide tip ones to fill color in your drawings.

Christina Tosi's Pancake Layer Cake

For this cake decorating idea, bake two heart-shaped cakes, buttercream frosting with some cocoa powder for coloring, and a star tip for the frosting. Cut one of the cakes into two halves, which will serve as the ears. Use your creativity to decorate the top of the cake to look like an adorable pup. You can pretty much follow any regular cake recipe. Just make sure you use a 13”x 9” pan for lunch box cakes. I followed the RecipeTin Eats Vanilla Cake recipe because of the beautiful plush and almost cottony texture similar to Japanese sponge.

Whipped Cream Frosting Instructions

The only thing that can make an adorable Funfetti cake any better is adding a layer of chocolate on top. Pour chocolate ganache made with dark chocolate and cream on the cake for easy decoration. Lemon and meringue make one of the all-time great culinary duos. Here, they’re whipped up into a light-as-air cake. A Swiss meringue frosting is piped on and then toasted for a golden hue, to highlight its sensuous curves. A big pile of raspberries on top looks as if it’s keeping the whole creation from floating away.

Place a cake topper with toy animals on the cake, and it’s done. You can make the birthday sign from refrigerator magnets, alphabets, and straws. This cake design is especially great for littles who haven’t developed likes and dislikes yet. However, seeing their favorite toys around the table will surely get them excited. If you have no time or the skills to decorate a birthday cake, go with this cake-decorating idea.

Complete this easy cake decorating idea with icing by adding a just-the-right-size pretzel rod lollipop "stick." Once you learn how to decorate a cake, you'll be whipping up gorgeous celebration-worthy treats in no time. We'll show you tips for filling a piping bag, choosing the right frosting, making trendy naked cakes and more. Need birthday cake decorating ideas for the outdoorsy person in your life?

We’ve all seen these cakes making the rounds on Facebook. To look at it you would expect some difficult and artistic styling went into this. This makes for a beautiful cake for many types of events.

Monday, April 1, 2024

Cruise Destinations: itineraries for your cruise vacation

msc boat cruise

In addition to the above, MSC Group — the line's parent company — has announced plans for yet another class of big MSC Cruises ships to start arriving later this decade, though few details have been released. MSC Group is also developing a series of small luxury vessels that'll operate under a separate brand to be called Explora Journeys. On average, the line comes out without about one new ship a year, though its rollout of ships has been rapid the past few years. MSC Cruises typically keeps vessels in its fleet for around 20 to 25 years before retiring them from the fleet. The newest MSC Cruises ship is typically also the MSC Cruises ship with the most bells and whistles and the most up-to-date cabins, restaurants, bars and attractions.

Waves Restaurant

Ex-UK voyages range from 4-night short breaks (GBP 260), 7-night (GBP 650) and a 14-night sailing (departing September 7th, to Casablanca Morocco, the Canaries and Lisbon/prices starting at GBP 1450). With its newbuilds, MSC attracts a large number of retirees during winter and targets families with kids during summer and the school holidays. The company's smaller liners offer longer and more exotic itineraries but lack modern kids' facilities as they are tailored to older travelers. Due to the COVID pandemic, MSC suspended its North American fleet's passenger shipping operations (all US-homeported liners) by canceling all voyages with pre-scheduled departures in the period March 14, 2020, through May-June 2021. Event planners work with the couples to handle all the details (weddings and vow renewals).

Company changes 2024

In May 2019, MSC became the industry's first mainstream cruise shipping company with a permanent office in Canada (Mississauga, Ontario). MSC Cruises Canada's new office is served by 15 employees (full-time staff) led by Ian Patterson (Country Manager). With the Canadian office, MSC also launched two new websites - MSCCruises.ca (for consumers) and MSCbook.com/ca (for travel agents). Both websites debuted in English and were later upgraded with French language versions. MSC Cruises Canada has a bilingual call center and provides bilingual materials (brochures, flyers) for potential clients and travel agencies.

What is the oldest MSC Cruises ship?

The ship’s local season ends with a 22-night Grand Voyage out of Santos and Rio to Northern Europe for Summer 2023. Since 2017, MSC Cruises offers an upgraded fleetwide onboard wellness experience via a partnership with TechnoGym. It is part of the company's cruise fare-inclusive offers that can be chosen upon booking.

msc boat cruise

MSC Yacht Club

The parent company (MSC Group) was founded and owned by its current Chairman Gianluigi Aponte (1940-born). Since 2014, the company's President and CEO is his son - Diego Aponte, while his daughter (Alexa Aponte Vago) is the CFO. With an array of first-rate champagne, bubblies, fresh oysters, caviar and fish, the chic Champagne Bar is a place to indulge in the finer things in life. To ensure we have only the best, we have painstakingly researched the quality of our sparkling wines and sourced them from the most renowned producers worldwide.

Red Gem Casino bar

The tool allows "walking" through 6 key onboard areas (including staterooms, restaurants, pools, theatre / also watching a show). The 360-degree sensory experience even brings aromas in the air (when observing an onboard restaurant) - such as fresh-baked bread, fresh fruits, chocolate. Reserved exclusively for MSC Yacht Club Guests, this elegant lounge with its panoramic views offers the Yacht Club bar list of craft cocktails, beer, fine wine, soft drinks and coffee drinks. This elegant lounge equally offers a fine selection of gourmet finger food throughout the day.

Seashore Restaurant

MSC Bellissima is due to replace her sistership Virtuosa in the Mediterranean, where she is scheduled to sail the planned 7-nights calling at Genoa-Milan, La Spezia, Naples, Palma de Mallorca, Barcelona, Marseille. On April 28, 2018, the ship hosted the Miami Dolphins Cheerleaders for the team's annual calendar photo shoot, with special onboard show programming. The new program is implemented fleetwide but was first introduced on MSC Meraviglia. The ship, launched in June 2017, was fitted with a total of 114 Interactive screens, 244 info screens, 31 virtual screens, 81 video wall monitors, 3050 iBeacons, 700 WAPs (wireless access points), 1200 CCTV cameras.

MSC Bellissima Marks MSC Cruises’ Return to China - Cruise Industry News

MSC Bellissima Marks MSC Cruises’ Return to China.

Posted: Fri, 15 Mar 2024 07:00:00 GMT [source]

MSC Aurea Bar

MSC for Me has been designed to meet our guests needs today and in the future and enhances every aspect the MSC holiday experience. Through the most innovative technology solutions MSC for Me interconnects guests, crew and ship so your time on board is literally in your hands. Available for guests travelling on MSC Seashore, MSC Virtuosa, MSC Bellissima, MSC Grandiosa, MSC Meraviglia, MSC Seaside, MSC Seaview. The MSC for Me programme is also available on MSC Splendida and on MSC Magnifica, however it has reduced programme features.

You'll also be able to explore Katakolon, the gateway to Olympia which was home to the first Olympic Games and also a UNESCO World Heritage Site. Explore these and many more destinations on our Greek island cruises.Enjoy the treasures of each destination. The luxurious surroundings of the Sky Lounge make it a fantastic meeting place.While you listen to live piano music, enjoy a drink after a long day exploring onshore. This multipurpose bar is ideal for any number of sociable moments throughout your cruise. And a selection of complimentary hot and cold snacks will keep hunger at bay.

Choose among 11 different types of staterooms and suites with balconies including the coveted aft suits, 50 terraced suites with extended balconies, and 32 different suites with outdoor private whirlpools. And get to know an unparalleled accommodation experience at the two new palatial Owner’s Suites at the largest and most luxurious MSC Yacht Club. The Horizon pool offers superb sea views and more open-air deck space for sun worshipers during the daylight hours. At night, the area will be transformed into a stunning outdoor spot for dancing and all kinds of entertainment under the stars. Visible kitchens and a Mozzarella-making area allow guests to watch our chefs preparing the fresh food.

And can accommodate up to 400 guests.Taste our Signature Cocktail while you enjoy a pre-show followed by this immersive entertainment experience.(Not included in the cruise fare. Limited spaces; a signature cocktail package needs to be booked). Reserved exclusively for MSC Yacht Club Guests, this elegant lounge with its panoramic views offers the Yacht Club bar list of craft cocktails, beer, fine wine, soft drinks and coffee drinks in addition to a selection of gourmet finger food throughout the day. Since September 2018, MSC has an exclusive partnership with "Mohegan Sun" - Uncasville (Connecticut USA)-based casino/gambling complex operated by Mohegan Tribe and located on reservation land along Thames River. By this deal are matched MSC's loyalty program (Voyager's Club) with Mohegan Sun's Momentum program.

There’s a wide range of glamorous bars and lounges onboard, offering refreshment and relaxation in the ideal atmosphere for every moment. So whether you’re looking for champagne, classic cocktails or freshly prepared patisserie, you won’t have far to go. Enjoy an all-new entertainment concept blending breathtaking acrobatics, dance and live music to create exclusive original productions specially designed for MSC Meraviglia Class ships. It offers avant-garde artistic and immersive performances combined with the innovative technology in a surprising mix of new expressions and experimentation that will make you feel part of the show. • Our ships offer the possibility of combining 2 or 3 connecting cabins based on the ship class.

Enjoy exclusive shows performed in innovative venues like the Carousel Lounge and the multi-purpose karaoke bar, comedy club, TV studio & bar. The whole family can have hours of fun in one of the most exciting water parks at sea. That makes them a good choice for someone who wants to try MSC Cruises but isn't eager to travel with huge crowds. The oldest ships in the MSC Cruises fleet thus appeal to a subset of MSC Cruises fans who prefer more intimacy in a cruise vessel and don't mind giving up some onboard amenities to get it.

Available for guests travelling on MSC Euribia, MSC Seascape, MSC World Europa, MSC Seashore, MSC Virtuosa, MSC Bellissima, MSC Grandiosa, MSC Meraviglia, MSC Seaside, MSC Seaview. MSC Seashore is the perfect location for the sculpture, bringing its message of care for the sea to thousands of voyagers as the ship sails immersed every day in the wonders of the world’s oceans and seas, their rich and infinitely varied splendour. As of November 2019, MSC Cruises' largest ship, MSC Meraviglia joins the other 3 ships at PortMiami. In May 2018, MSC Splendida started service on the Chinese market following its 2017 drydock refurbishment. The China-based (Shanghai) itinerary program included destinations in Japan, Korea, China.

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