Tuesday, April 2, 2013
Headboards
CLICK this link to learn how to spice up your bedroom decor
Changing your headboards
http://www.houzz.com/ideabooks/8427463/list?utm_source=Houzz&utm_campaign=u253&utm_medium=email&utm_content=gallery14
Sunday, February 10, 2013
Changing it up
Ladies heres a good way to learn how to add some pizzaz to your home.
http://article.yourhomeandlifestyle.com/pages/article/YHL_FEB_13_02/40828/index.html
http://article.yourhomeandlifestyle.com/pages/article/YHL_FEB_13_02/40828/index.html
Wednesday, January 30, 2013
Home Design
Katy, TX homeowners are ahead of the curve when it come to decorating. This sleek kitchen is simple and elegant. Follow Cathy Manuel Homes Blog for your decorating ideas for Katy and the Houston area.
http://www.houzz.com/photos/140485/_trid=Y2F0aHltYW51ZWw7bGF1cmVuY2F0am9uZXNAaG90bWFpbC5jb20g/2010-HHL---Kitchen-contemporary-kitchen-other-metro
http://www.houzz.com/photos/140485/_trid=Y2F0aHltYW51ZWw7bGF1cmVuY2F0am9uZXNAaG90bWFpbC5jb20g/2010-HHL---Kitchen-contemporary-kitchen-other-metro
Thursday, January 17, 2013
For the men out there
http://www.houzz.com/ideabooks/6410783/list?utm_source=Houzz&utm_campaign=u218&utm_medium=email&utm_content=gallery3
Tuesday, January 15, 2013
Things not to do when applying for a mortgage
Open or Applying for New Credit
DO NOT APPLY FOR NEW CREDIT!!! Once you have applied for a mortgage, do not apply for or open any new credit. This is for two reasons. Once you are pre-approved for your mortgage it is based on the payments you have. So if you go and finance a new TV, that payment may get your loan denied.
The other issue is that there is a new Mortgage Rule and your credit report is pulled again right before closing. This new report is to see if you have opened or applied for any new credit. if you have, then the mortgage professional(me!!) must document the new credit account and what the balance is, etc. This can delay your loan or like mentioned before deny your loan. Applying for credit is just as bad, so if you apply but don't open the account it's the same. Hold off on buying that new TV until after you close on your mortgage.
Write Off's On Your Tax Returns
We all want the Biggest Tax Return possible. But those write off's can affect you getting a mortgage. If you are self employed or get a 1099 at the end of the year, your income is decided by your gross income minuses your write off ( some expenses aren't deducted, like depreciation). So if you made $100k but wrote off $40k, then your income is really $60k. Make sure when getting approved you know your income from your tax returns. And if you are self employed make sure your mortgage professional (still me!!) has copies of your tax returns, that way they pre-approve you based on your true income.
Write Off's can still be a problem even if you get paid a W2 aka a salary. If you write off a lot of "Unreimbursed Expenses", these deductions are subtracted from your income. Again causing you to show that you make less money.
Moving Money
Do not move your money when applying for or doing your mortgage. On every loan we need your bank and retirement statements for the last 60 days. So any time you move money we have to document it. If we can not prove where it came from, then this could also get your mortgage denied. This also goes for any large deposits. Let's say you sell your motorcycle and get cash for it and just deposited that money. That's a problem, we have to document where any large deposits came from. In this example, the title, bill of sale, etc would work.
Changing Jobs
Once you are pre-approved, try not to switch jobs. Even thou you were pre-approved, you will want to make sure you are approved with this new job. Many lenders will not approve you until you have a paystub from your new job. Well this could take 1-4 weeks. I just need a paystub from your new job by the time we close on your loan.
Make sure when you are getting a mortgage you do your homework. And make sure you are working with a trusted mortgage individual. Don't make mistakes that will get your mortgage Denied.
Link to this article: http://actvra.in/7lD
Monday, September 27, 2010
Destination Boston
Some call it “Beantown”—the locals say “Baaastin”—but either way, Boston, Massachusetts, is one of my favorite places. Surprisingly walkable, its unique neighborhoods are filled with colonial-era history, beautiful parks, diverse culture, culinary excellence, world-class museums, and shopping. Here are some wonderful places to stay, eat, and explore when you visit its cobblestone streets.
The stylish Millennium Bostonian Hotel is just across from historic Faneuil Hall and Quincy Market, one of the nation’s most colorful food courts, with street performers, restaurants, and bars. Whatever your culinary taste, you’ll find it at Quincy Market, and the Millennium Bostonian is a perfect jumping-off point.
The Haymarket Square open-air vegetable and flower market happens every weekend right outside the hotel and is a fabulous place to people-watch. Walk around the corner to Ye Olde Union Oyster House for dinner. Established in 1826, you’ll find authentic New England fare, from whole steamed lobster to raw oysters on the half shell and fresh Boston “Scrod” (the catch of the day.)
The city’s oldest neighborhood, settled around 1630, is just a short stroll from the Millennium. In the early 1900s, the North End became the center of the Italian community, and today, more than 100 family-owned Italian restaurants operate within a few blocks of one another amid delis, bakeries, and coffee shops, which you’ll explore on one of Michele Topor’s North End Market Tours. For four hours, Topor treats her guests to a cooking class on foot, revealing where to buy the best ingredients and how to use them in authentic recipes. As Topor told me, “Your world—and your dinner—will never be the same.” She was right!
The best view of Boston’s waterfront can be had in an elegantly appointed guest room at the Boston Harbor Hotel, situated between Rowes Wharf and the Rose Fitzgerald Kennedy Greenway Conservancy. The hotel’s lobby extends outdoors to a brick patio and stage, where waterfront concerts are held all summer. Nothing like dinner under the stars while watching a Motown review, swing, or blues concert—and Friday is classic outdoor movie night.
Anyone who’s run the Boston Marathon knows about Copley Square in affluent Back Bay, where the great race finishes. This is one of the city’s most architecturally significant areas. H. H. Richardson’s magnificent Trinity Church, completed in 1877, is called one of the finest buildings in the country by the American Institute of Architects and can be toured with a docent. On the opposite end of the spectrum is I. M. Pei’s sixty-story modernist glass John Hancock Tower, with its all-glass elongated parallelogram footprint. Take the art and architectural tour of the Boston Public Library to fully appreciate its impressive interiors, with amazing art, sculpture, and rare John Singer Sargent murals.
When you’re ready for bed, check into the Fairmont Copley Plaza Hotel across the street. This seven-story granite building—sister to The Plaza in New York City—is a striking example of beaux arts architecture, with magnificent fully restored interiors. The stately Oak Bar has been voted as the best place in the city to enjoy a martini and live jazz. And be sure to stop by and meet Catie Copley, the grand old hotel’s black Labrador, whose bed is in the lobby—she’s available to accompany guests on walks.
It would take weeks to tour all the fine museums in Boston, but do not miss the Isabella Stewart Gardner Museum in the Fenway district. Mrs. Gardner died in 1924, and her eclectic private collection of art spans four floors of her fifteenth-century Venetian palace-style home, with a breathtaking garden courtyard atrium. Entire rooms are dedicated to tapestries, European furnishings, and paintings by masters including Rembrandt, Matisse, Botticelli, and Raphael.
Nearby, Brasserie JO is a great place to go for an authentic French supper after a day at the museum—a glass of rosé, a scrumptious frisée salad, and roast chicken is a fine way to unwind in this charming bistro located in the lobby of the hip Colonnade Hotel—the only Boston hotel, by the way, that has a rooftop pool. For a sweeping 360 degree view of the city and harbor, just walk across the street and take the elevator to the Top of the Hub, in the Prudential Tower, for a nightcap in its bar.
Boston’s Public Garden is one of the finest examples of horticultural excellence anywhere. A fun thing to do on a nice afternoon is to take a spin around the garden’s lagoon in one of the giant Elizabethan-era Swan Boats. Just steps away from the garden, you’ll enjoy fine service and luxurious accommodations at Four Seasons Hotel Boston. If you want a truly luxurious dining experience in a timelessly chic setting, set aside a night at the hotel’s famed Aujourd’hui. The seven-course tasting menu with spectacular wine pairings is a culinary marvel.
Right around the corner is Newbury Street, lined with chic boutiques and galleries. Especially visit Louis Boston, an ultra-prestigious cutting-edge collection of fine merchandise. For traditional New England handmade wooden furniture, head to Thos. Moser Cabinetmakers. Every piece is heirloom quality and signed by its maker.
You can’t leave Boston without a trip across the river to Cambridge, home of Harvard University. It’s thrilling to walk through the wrought iron gates of the United States’ oldest learning institution into “Haavad Yaad,” where freshmen have been living in stately brick dorms since 1636. Definitely book a walking tour of Harvard Square with Lively Lore. Spend a morning at the University’s Museum of Natural History, home to the amazing Glass Flowers: 3,000 models of more than 840 plants were hand-blown by a German father-and-son team over 49 years, beginning in 1887. You may not believe it, but they absolutely look real!
Among the most talented chefs in Boston and Cambridge is Jody Adams, proprietress of Rialto Restaurant + Bar in the charming Charles Hotel on Harvard Square. Author of the cookbook In the Hands of a Chef, Adams makes everything from scratch daily, and dinner at Rialto ranks among my all-time top dining experiences in the country.
Boston had me at hello. I’m already planning my return; there’s so much more to see and do in this fine American city.
Written By Robyn Roehm Cannon
The stylish Millennium Bostonian Hotel is just across from historic Faneuil Hall and Quincy Market, one of the nation’s most colorful food courts, with street performers, restaurants, and bars. Whatever your culinary taste, you’ll find it at Quincy Market, and the Millennium Bostonian is a perfect jumping-off point.
The Haymarket Square open-air vegetable and flower market happens every weekend right outside the hotel and is a fabulous place to people-watch. Walk around the corner to Ye Olde Union Oyster House for dinner. Established in 1826, you’ll find authentic New England fare, from whole steamed lobster to raw oysters on the half shell and fresh Boston “Scrod” (the catch of the day.)
The city’s oldest neighborhood, settled around 1630, is just a short stroll from the Millennium. In the early 1900s, the North End became the center of the Italian community, and today, more than 100 family-owned Italian restaurants operate within a few blocks of one another amid delis, bakeries, and coffee shops, which you’ll explore on one of Michele Topor’s North End Market Tours. For four hours, Topor treats her guests to a cooking class on foot, revealing where to buy the best ingredients and how to use them in authentic recipes. As Topor told me, “Your world—and your dinner—will never be the same.” She was right!
The best view of Boston’s waterfront can be had in an elegantly appointed guest room at the Boston Harbor Hotel, situated between Rowes Wharf and the Rose Fitzgerald Kennedy Greenway Conservancy. The hotel’s lobby extends outdoors to a brick patio and stage, where waterfront concerts are held all summer. Nothing like dinner under the stars while watching a Motown review, swing, or blues concert—and Friday is classic outdoor movie night.
Anyone who’s run the Boston Marathon knows about Copley Square in affluent Back Bay, where the great race finishes. This is one of the city’s most architecturally significant areas. H. H. Richardson’s magnificent Trinity Church, completed in 1877, is called one of the finest buildings in the country by the American Institute of Architects and can be toured with a docent. On the opposite end of the spectrum is I. M. Pei’s sixty-story modernist glass John Hancock Tower, with its all-glass elongated parallelogram footprint. Take the art and architectural tour of the Boston Public Library to fully appreciate its impressive interiors, with amazing art, sculpture, and rare John Singer Sargent murals.
When you’re ready for bed, check into the Fairmont Copley Plaza Hotel across the street. This seven-story granite building—sister to The Plaza in New York City—is a striking example of beaux arts architecture, with magnificent fully restored interiors. The stately Oak Bar has been voted as the best place in the city to enjoy a martini and live jazz. And be sure to stop by and meet Catie Copley, the grand old hotel’s black Labrador, whose bed is in the lobby—she’s available to accompany guests on walks.
It would take weeks to tour all the fine museums in Boston, but do not miss the Isabella Stewart Gardner Museum in the Fenway district. Mrs. Gardner died in 1924, and her eclectic private collection of art spans four floors of her fifteenth-century Venetian palace-style home, with a breathtaking garden courtyard atrium. Entire rooms are dedicated to tapestries, European furnishings, and paintings by masters including Rembrandt, Matisse, Botticelli, and Raphael.
Nearby, Brasserie JO is a great place to go for an authentic French supper after a day at the museum—a glass of rosé, a scrumptious frisée salad, and roast chicken is a fine way to unwind in this charming bistro located in the lobby of the hip Colonnade Hotel—the only Boston hotel, by the way, that has a rooftop pool. For a sweeping 360 degree view of the city and harbor, just walk across the street and take the elevator to the Top of the Hub, in the Prudential Tower, for a nightcap in its bar.
Boston’s Public Garden is one of the finest examples of horticultural excellence anywhere. A fun thing to do on a nice afternoon is to take a spin around the garden’s lagoon in one of the giant Elizabethan-era Swan Boats. Just steps away from the garden, you’ll enjoy fine service and luxurious accommodations at Four Seasons Hotel Boston. If you want a truly luxurious dining experience in a timelessly chic setting, set aside a night at the hotel’s famed Aujourd’hui. The seven-course tasting menu with spectacular wine pairings is a culinary marvel.
Right around the corner is Newbury Street, lined with chic boutiques and galleries. Especially visit Louis Boston, an ultra-prestigious cutting-edge collection of fine merchandise. For traditional New England handmade wooden furniture, head to Thos. Moser Cabinetmakers. Every piece is heirloom quality and signed by its maker.
You can’t leave Boston without a trip across the river to Cambridge, home of Harvard University. It’s thrilling to walk through the wrought iron gates of the United States’ oldest learning institution into “Haavad Yaad,” where freshmen have been living in stately brick dorms since 1636. Definitely book a walking tour of Harvard Square with Lively Lore. Spend a morning at the University’s Museum of Natural History, home to the amazing Glass Flowers: 3,000 models of more than 840 plants were hand-blown by a German father-and-son team over 49 years, beginning in 1887. You may not believe it, but they absolutely look real!
Among the most talented chefs in Boston and Cambridge is Jody Adams, proprietress of Rialto Restaurant + Bar in the charming Charles Hotel on Harvard Square. Author of the cookbook In the Hands of a Chef, Adams makes everything from scratch daily, and dinner at Rialto ranks among my all-time top dining experiences in the country.
Boston had me at hello. I’m already planning my return; there’s so much more to see and do in this fine American city.
Written By Robyn Roehm Cannon
Thursday, September 16, 2010
Light My Fire
Since the 1970s, barbecue has emerged as the national cuisine of the United States, though grilling is certainly an ancient technique and a rustic art. Whether you are grilling outdoors over charcoal or a rotating spit, or indoors using an electric grill or oven, you are engaging in the tradition of grilling. Certain regions have elevated barbecue to an art form and turned this cuisine into a true specialty.
For this menu, we’re featuring mouthwatering ribs, rubs, sauces, and sides from a few of the more prolific barbecue regions, sure to please no matter where you hail from. Pork ribs are a religion in these areas, so it’s befitting that two styles of ribs will take center stage—“dry” Memphis-style baby backs and “wet” Kansas City-style spareribs. I used to prepare only the wet version until I moved to Memphis and discovered the local favorite, dry ribs. Now I have so much trouble deciding that I feel compelled to prepare both.
Most of us do not have smokers in the backyard for preparing ribs like the pros, so my rib recipe was created with the home cook in mind. The secret is “slow and low,” meaning very slow cooking in the oven at a very low temperature. This method will yield the tenderest ribs you have ever tasted.
A friend introduced me to her family recipe for coleslaw, which comes from her “Mamaw” in East Tennessee. It’s a simple, delicious, straightforward recipe—with the exception of the sawed-off soup can she uses to cut the cabbage. Not required, but it certainly is fun. If you’ve never tried collard greens, now is your chance toundertake a truly decadent recipe. They may be greens, but this Southern-style recipe is certainly not low in fat. Top off this meal with some chewy pecan brownies, the perfect match for the flavors of these regional barbecue recipes.
For this menu, we’re featuring mouthwatering ribs, rubs, sauces, and sides from a few of the more prolific barbecue regions, sure to please no matter where you hail from. Pork ribs are a religion in these areas, so it’s befitting that two styles of ribs will take center stage—“dry” Memphis-style baby backs and “wet” Kansas City-style spareribs. I used to prepare only the wet version until I moved to Memphis and discovered the local favorite, dry ribs. Now I have so much trouble deciding that I feel compelled to prepare both.
Most of us do not have smokers in the backyard for preparing ribs like the pros, so my rib recipe was created with the home cook in mind. The secret is “slow and low,” meaning very slow cooking in the oven at a very low temperature. This method will yield the tenderest ribs you have ever tasted.
A friend introduced me to her family recipe for coleslaw, which comes from her “Mamaw” in East Tennessee. It’s a simple, delicious, straightforward recipe—with the exception of the sawed-off soup can she uses to cut the cabbage. Not required, but it certainly is fun. If you’ve never tried collard greens, now is your chance toundertake a truly decadent recipe. They may be greens, but this Southern-style recipe is certainly not low in fat. Top off this meal with some chewy pecan brownies, the perfect match for the flavors of these regional barbecue recipes.
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