Why It’s Harder to Get Credit When You’re Self-Employed

Source: goodfinancialcents.com

What Do New FICO Changes Mean for Me?

Have you ever applied for a credit card, car loan or mortgage? If so, then one of the first things the lender looked at was your FICO score. It has a major impact not only on getting approved in the first place, but also on the interest rate you will receive after approval.

On August 7, FICO announced some pretty major changes in how they will be calculating that ever-important number. Before you can understand how the changes will or won’t impact you, you need to have a firm grasp of the basics.

What is my FICO score?

Your FICO score, or credit score, is a number ranging from 300-850 that shows lenders how reliable you will be in repaying your debts. A bad score is anything below 560, not very good is 560-659, good is 660-724, very good is 725-759, and anything above 760 is classified as great. While it is best to be in the great range, you can sometimes qualify for the best available interest rates with 720 or above.

In order to calculate your credit score, FICO pulls information from your credit reports from the three major reporting agencies: Experian, TransUnion, and Equifax. When banks and other lending institutions consider your application, they look at several factors. The first is usually your FICO score, which will either get you in the door or get it slammed in your face, but after that they consider other aspects of your finances, such as income and the detailed history on the credit report itself.

What are the changes, and how will they affect me?

There will be four notable changes to how FICO evaluates your credit score once the announced new model is released. Some of them will be very good for some people, some of them will be bad for others, and some of them may prove to show negligible changes.

The first, and biggest, is that medical debts will no longer be considered when calculating your score. This is a huge relief. Many otherwise fiscally responsible people go into massive debt when a medical emergency happens. Others don’t even know they owe money on medical bills in the first place, as they thought their insurance was going to cover their costs. When they realize they owe money, the responsible consumers pay it back, but it still leaves a scar on their credit report and, therefore, their FICO score.

With this new change, your FICO score will not be impacted. In fact, if you have no other negatives on your credit report (which would mean you most likely have a halfway decent score), you can expect to see your FICO score increase by up to 25 points.

Changes will also be made in considering debts that you have paid off. Currently, after you’ve paid off a debt, it stays on your credit report for seven years. That will continue to be the case after FICO’s updates go into effect, but FICO will no longer look at those debts, even though they show up on your credit report. If you have consumer debts that you have paid off, and they’re the only thing holding you back, you may see your score improve, as well.

There will also be an update to consider the creditworthiness of people who do not have an extensive report, taking into consideration things beyond just paying your month-to-month bills on time. (A lot of times, the people you are paying those bills to don’t even report that anyways.) Depending on how this is done, it could be a boon for those who are unable to get credit not because they are irresponsible, but simply because they have never chosen to borrow money before.

The final update is not good news for those who hold consumer debt. If you owe money and it isn’t paid in full, you can expect to see your credit score take a hit.

Hold your horses – and your enthusiasm.

While FICO has announced that it will make these changes, the new model has not gone into effect. It will not be ready to release to lenders until late 2014 or early 2015. Even then, banks have to choose to adopt it. Thismodel will be FICO 9. FICO 8 was introduced in 2009, and some lending institutions still have not updated since FICO 7. Just because they are releasing a new model doesn’t mean that your lending institution will apply it to their evaluation process.

Another thing to remember is that while your FICO score gets you in the door, banks will look at your credit report. All of those things FICO ignores will still show up. If your medical debts are deemed too oppressive for you to possibly be able to pay for a mortgage on top of them, you may still be denied. And while FICO will ignore debt that has been paid off and closed, it will still stay on that pesky credit report for seven years for all of your potential lenders to see.

While these changes could be a great way to get your foot in the door with lenders, they’re not a holy grail to your credit problems. The same tried and true wisdom will still apply: Spend responsibly, make sure the information on your credit report is accurate and pay off any debts as quickly as possible.

Femme Frugality is a personal finance blogger and freelance writer. You can find more of her writing on her blog, where she shares both factual articles and esoteric ruminations on money.

Learn more about security

Mint Google Play Mint iOS App Store

Source: mint.intuit.com

What’s Up with Multifamily?

you an owner or investor in multifamily properties? If so, you’ll no doubt be
interested in the latest multifamily trends from the National Multifamily Housing Council (NMHC).

good news: NMHC forecasts that 4.6 million apartments are needed at a variety
of price points by 2030 in order to meet demand. That forecast is based on
current demographic trends and household formation statistics – and bodes well
for the multifamily sector.

are developers meeting that demand? According to NMHC, the bulk of new
apartment construction is concentrated in a few metros and is on the luxury
side. That’s not surprising considering the rising cost of land and
construction costs. But it’s creating a challenge for tenants, many of whom are

rent growth has moderated in recent years, it remains strong, and vacancy rates
are hovering near record lows.

terms of amenities, the NMHC/Kingsley
Resident Preferences Survey found that the amenity most desired by tenants
today is reliable cell reception. After that, tenants want secure parking,
secure amenity access, a swimming pool and a fitness center. The on-site dog
spa? Not so much.

Source: century21.com

How To Save Money On Textbooks + Campus Book Rentals Review

How To Save Money On Textbooks + Campus Book Rentals Review

How To Save Money On Textbooks + Campus Book Rentals ReviewIf you are looking for tips on how to save money as a college student, then one of the top things you need to learn is how to save money on textbooks such as through cheap textbook rentals. In this post, I will be including a Campus Book Rentals review because I used this textbook rental company throughout college and was able to save a great amount of money with cheap textbook rentals.

P.S. I also have a Campus Book Rentals coupon code at the end of the post, so do not miss out on this valuable Campus Book Rentals coupon for the best textbook rental company out there!

When I was in college, I always made sure to save as much money as I could. College is expensive, and everyone knows that. The costs can quickly add up. Between the tuition, lab fees, parking fees, textbook costs, and more, college costs can quickly get out of hand.

I know and understand this. I graduated with around $38,000 worth of student loan debt, and that was even with me carefully managing my costs. Thankfully I paid off my student loans (read about how I paid off my student loans within 7 months), but I do like to help others in as many ways as I can.

According to the National Association of College Stores, the average college student spends around $700 per year on the cost of textbooks.

That could be a total of a little less than $3,000 for a 4 year degree just for the cost of textbooks, and as everyone knows, the cost can actually be much higher than that.

I actually think this number that is estimated is wrong, because I don’t really know anyone who bought their college textbooks and only spent $350 or less from their college bookstore on the cost of textbooks. That wouldn’t have even covered two college textbooks for me from my college bookstore.

When I was in college, many of my college textbooks were around the $200 price for just one textbook, and I often took 7 or 8 classes a semester. This means if I paid full price for each book (whether I bought them online or from my college book store), I would have sometimes paid around $1,600 each SEMESTER!

Or $3,200 a YEAR!

That is just insane.

Below are my tips on the best ways to save money on college textbooks:

Rent your college textbooks through cheap textbook rental websites such as Campus Book Rentals.

When I was in college, I saved a great deal of money by renting my college textbooks. As I said above, college textbooks for me were expensive if I were to not shop around and just stick with the expensive books at the college bookstore. Who wants to waste a ton of money on the cost of textbooks by buying them at full price?

NOT ME! You can save a lot of money on the cost of textbooks by renting them instead.

I often rented my college textbooks that were $200 at my college bookstore for less than $50 for the semester. There are definitely some cheap textbook rentals out there!

I often found cheap textbook rentals for $25 as well That is a STEAL! I always used coupon codes as well, as they can be found everywhere. Lucky you, if you keep reading I have a CampusBook Rentals coupon code as well! 🙂

It was easy to rent textbooks online. Here is the step by step process of renting textbooks online and my Campus Book Rentals review:

  • I just had to find my college textbooks online such as on CampusBookRentals. Campus Book Rentals is the best textbook rental I used when I was in college. They made it easy and have a large college textbook selection for students to choose from so that you find the exact textbook you need.
  • I would then order the textbook for whatever time frame I needed. You can usually rent them for 45 days, two months, a full semester, or even longer. The longer the time frame, the more expensive they are, of course.
  • I would use the textbook for a class. Of course, this is not a surprise!
  • Once you are done with the textbook, all you have to do is return it. You will be provided a return label, so the return shipping is absolutely free. You don’t have to worry about the textbook being outdated, a new edition being published, losing money, etc.

I also have a Campus Book Rentals coupon code for 5% off your total purchase plus FREE SHIPPING if you need one as well. I genuinely believe they are the best textbook rental company out there right now, or else I wouldn’t be writing this whale of a Campus Book Rentals review post. The Campus Book Rentals coupon code is snowfall5. All you have to do is click on my affiliate link (the Campus Book Rentals coupon code only works with the affiliate link) and once you are ready to check out, enter snowfall5 as the Campus Book Rentals promotional code.

Skip the college bookstore for cheap textbook rentals or buy textbooks used.

The college bookstore can be a big rip off. Sorry to everyone who has ever worked at one.

I have three college degrees, and have visited the college bookstore many times to compare prices, and I do not think there was a single occurrence where the price at the college bookstore was cheaper than the price I found somewhere else, such as through CampusBookRentals.

Sell your college textbooks.

Some of you might be saying, well why didn’t you just buy your textbooks used and then sell them back, instead of renting college textbooks? Well, this is because it often turned out that whenever I bought a textbook, the very next semester they would be considered “old” because a new edition would be published. No one really buys old editions of finance books as they are considered “outdated” by many professors.

However, there are many instances where selling your college textbooks can be a great idea, and you can make some money as well.  If you are looking to save money in college, then you should learn how to sell your college textbooks back so that they aren’t just hanging out in your house collecting dust.

Thank you for reading, I hope you enjoyed this Campus Book Rentals review and that you learned how to save money on textbooks and a new way on how to save money as a college student.

How do you save money on your college textbooks?

Campus Book Rentals coupon code for the best textbook rental company!

P.S. Here is the Campus Book Rentals coupon again as well since you took your time to read my Campus Book Rentals review. I have a Campus Book Rentals coupon code if you need one for even cheaper cheap textbook rentals. The discount will give you 5% off your total textbook purchase rental plus FREE SHIPPING. The Campus Book Rentals coupon code is snowfall5. All you have to do is click on my affiliate link (the Campus Book Rentals coupon code only works with the affiliate link) and once you are ready to check out, enter snowfall5 as the Campus Book Rentals promotional code. This coupon code is good until April 30, 2015, so you have plenty of time to use it for this semester’s classes.

Related Posts


Source: makingsenseofcents.com

What’s the Best Atlanta Neighborhood for You | ApartmentSearch

couple looking at art exhibit with other people in the background

Planning a move to Atlanta, GA? You won’t be disappointed when you step foot in this city’s bustling streets! There are plenty of reasons why Business Insider named Georgia’s capital one of the Top 50 Best Places to Live in The United States in 2018.

Atlanta offers a great mix of city and country life that attracts thousands of transplants every year. It is home to several Fortune 500 companies, award-winning restaurants, a growing job market, and much more. But before you pack your bags and head south, read up on the best neighborhoods in Hotlanta!

Castleberry Hill

Naturally, many Atlanta newcomers flock to the heart of the city, where most of its historic and artistic attractions lie. Castleberry Hill is nestled in Downtown Atlanta’s busy streets, and it’s well known for being listed on the National Register of Historic Places. Unsurprisingly, this neighborhood is a popular choice of movie producers since its beautiful scenery and repurposed warehouses make it a suitable backdrop for many films.

This area is also home to many up-and-coming art venues, such as exhibits and galleries like the Besharat Gallery. You can also find plenty of community events to keep you busy and help you make new connections in Castleberry Hill. And if you work up an appetite, head over to local favorites, No Mas! Hacienda & Cantina and Paschal’s for a bite to eat!

The Convention & Entertainment District

If you’re all about sporting events, greenery, and a kickass nightlife, then this booming neighborhood in Downtown Atlanta is calling your name! The Convention & Entertainment District is home to several popular attractions, such as the World of Coca Cola and the College Football Hall of Fame, to name a few.

This neighborhood is also home to the world’s largest aquarium, the Georgia Aquarium. This building holds an extraordinary 6.3 million gallons of water and is one of the few aquariums in the world to house whale sharks, one of the largest fish found in the ocean.

If these aren’t enough reasons to start apartment-hunting in Atlanta, the downtown area also houses the Centennial Olympic Park. This historic 22-acre green space was the gathering spot for the 1996 Summer Olympics, and serves as an excellent area for a family picnic! Fourth of July festivities in Atlanta, anyone?

The Convention and Entertainment District is favored by young professionals, college students, young couples, or singles looking for a good time!


If you have a taste for the finer things in life, then this Atlanta neighborhood is right for you. Dubbed the “Beverly Hills of the East,” Buckhead boasts beautiful residential homes, tree-lined streets, and some of the most impressive architecture found in the South. The Shops Buckhead Atlanta invite you to “see the new side of luxury” and bring your inner shopaholic out for a spin! If a little retail therapy isn’t your cup of tea, fear not! There are fantastic dining options and other ATL hot spots you can’t miss!

Inside of Buckhead also lies the beautiful Hotel District. World-class hotels such as the Mandarin Oriental and St. Regis are just blocks away from The Shops Buckhead Atlanta. The Buckhead Hotel District isn’t only home to luxury hotels, but it also houses some of the best dining experiences the city has to offer. Visit favorites such as Atlanta Fish Market or Aria, and prepare yourself for an unforgettable experience. The Buckhead neighborhood’s proximity to residential areas makes it an ideal living space for families or couples.

Is A-Town Calling Your Name?

Atlanta is a one-of-a-kind city, with the perfect combination of historical landmarks and unique communities. Now that you know some of the city’s best neighborhoods, it is time to start looking for your new home. Check out ApartmentSearch.com to find and compare apartments for rent in Atlanta, GA.

Source: blog.apartmentsearch.com

Most Fitness-Friendly Places for 2021

Most Fitness-Friendly Places for 2021 – SmartAsset

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Though the COVID-19 crisis has resulted in widespread fitness center closures, many Americans still want to stay as healthy as possible. Depending on the level of services and equipment required, staying active can affect people’s budgets in a variety of ways. For now, virtual exercise classes and home gyms are the route most people are taking. Eventually, though, gyms will reopen at full capacity, and everyone will be able to reestablish his or her normal workout routine. When that happens, some places will be more conducive to jumping into a full-on fitness frenzy, and SmartAsset crunched the numbers to find where they are.

To locate the most fitness-friendly places for 2021, we compared 301 metropolitan areas across the following metrics: percentage of residents who walk or bike to work, fitness professionals per 10,000 workers, fitness establishments per 10,000 establishments, the percentage of restaurants that are fast-food establishments and the average wage of personal trainers. For details on our data sources and how we put all the information together to create our final rankings, check out the Data and Methodology section below.

This is SmartAsset’s seventh annual study on the most fitness-friendly places in the U.S. Read the previous version here.

Key Findings

  • Western and Midwestern metro areas populate the top. For the second straight year, cities in the Midwest and West dominate the top 10 of this list. Six metro areas are in the West and three are in the Midwest. Western metro areas do well in terms of fitness establishments per 10,000 establishments – all rank within the top 8% of study for this metric – and they also rank within the top 14% of the study for the percentage of residents who walk or bike to work. Only one metro area in the top 10 is not in either of these regions – Ithaca, New York.
  • Fitness-friendly cities are light on the drive-thrus. On average, across the 301 metro areas in our study, fast-food establishments represent 45% of all restaurants. Though fast food is popular, convenient and inexpensive, it tends to be relatively high in calories and low in nutritional value – making it tougher to be healthy if you eat a lot of it, regardless of your exercise levels. In the top 10 of this study, all but three metro areas have fewer than 40% of their restaurants serving fast food, so there is less temptation to go for an easy-but-unhealthy meal that can ruin all your hard work. The metro area with the lowest percentage of restaurants that are fast food is Wenatchee, Washington, where it is just 27%.

1. Missoula, MT

The Missoula, Montana metro area is the most fitness-friendly place in the U.S. for 2021. There are 131 fitness establishments – including places like gyms and sporting goods stores – per 10,000 total establishments in Missoula, the third-highest rate for this metric in the study. There are also plenty of fitness professionals living in Missoula, 59 per 10,000 workers, placing it sixth-best for this metric. Residents in Missoula also get plenty of exercise simply by walking or biking to work: 7.1% of residents choose to do so, the 17th-highest rate for this metric across the 301 areas we studied.

2. La Crosse-Onalaska, WI-MN

The La Crosse, Wisconsin metro area, which also includes parts of Minnesota, has 130 fitness establishments for every 10,000 total establishments, the fourth-highest rate for this metric. The metro area finishes in the top quartile for three other metrics as well, ranking 28th for fitness professionals per 10,000 workers (with 42), 33rd for the percentage of residents who walk or bike to work (at 5.2%) and 64th for the percentage of restaurants that are fast-food establishments (around 39%).

3. Bend, OR

The Bend, Oregon metro area cracks the top 10 for two of our metrics. It places fourth in terms of fitness professionals per 10,000 workers with 61, and seventh for fitness establishments per 10,0000 total establishments, at 116. Bend can be a bit pricey of a place to stay in shape, though. The average hourly wage of personal trainers is $18.72, placing Bend at 176th out of 301 for this metric.

4. Ann Arbor, MI

There are 67 fitness professionals per 10,000 workers in the Ann Arbor, Michigan metro area, the second-highest rate for this metric of the 301 metro areas we analyzed. For their commutes, 7.4% of residents walk or bike to work, the 15th-highest percentage in this study. There are also plenty of fitness establishments in the metro area if you prefer to work out in a dedicated space: At 112 per 10,000 residents, this is the 10th-highest rate of the 301 places we analyzed.

5. Bloomington, IN

Folks in the Bloomington, Indiana metro area might have more of an opportunity to get a workout in during their commute, with 8.0% of residents walking or biking to work, the eighth-highest rate in the study for this metric. Bloomington has two other metrics for which it finishes in the top fifth of the 301 metro areas of the study – fitness establishments per 10,000 total establishments (ranking 48th-highest, with 93) and average wage of personal trainers (ranking 49th-lowest, which makes it cheaper for the consumer, at $14.53).

6. Santa Cruz-Watsonville, CA

The metro area around Santa Cruz, California finishes ninth overall for its relatively low percentage of restaurants that specialize in fast food, at 33%. Santa Cruz also comes in 12th for the percentage of residents who walk or bike to work, at 7.5%. If you’re looking for help getting in shape, though, it’ll cost you. The average wage of a personal trainer in the area is a steep $20.59, ranking in the bottom third of this study.

7. Flagstaff, AZ

Flagstaff, Arizona has the third highest percentage of residents who walk or bike to work we saw in this study, at 11.5%. There are also 109 fitness establishments per 10,000 total establishments, the 14th-highest rate we observed. Flagstaff is hurt, though, by its price: The average wage of a personal trainer in this metro area is $22.27, in the bottom sixth of this study.

8. Fort Collins, CO

Fort Collins is the first of two metro areas in Colorado to rank in the top 10 of this study, and it gets there on the strength of having 113 fitness establishments per 10,000 total establishments, ranking ninth of 301 metro areas for this metric. It also scores in the top 15% of the study for the percentage of residents who walk or bike to work (5.2%) and fitness professionals per 10,000 workers (46).

9. Boulder, CO

Boulder is the second Colorado metro area in the top 10, and it has two metrics for which it finishes in the top 15 out of 301 in the study overall. It comes in 11th for fitness professionals per 10,000 workers, at 53, and 12th for the percentage of residents who walk or bike to work, at 7.5%. Its final ranking is dragged down a bit due to its bottom-10 finish for the average hourly wage for personal trainers, at a pricey $27.25. However, it still ranks in the top 20 of the study for fitness establishments per 10,000 establishments, at 105.

10. Ithaca, NY

A whopping 14.5% of residents of Ithaca, New York walk or bike to work, the second-highest percentage in this study for this metric. Ithaca finishes eighth in terms of fitness establishments per 10,000 total establishments with 114. It is very expensive to get help with fitness in Ithaca, though. The average hourly wage for a personal trainer is $29.30, finishing third-worst out of 301 metro areas in this study for its high cost.

Data and Methodology

To find the most fitness-friendly places in the country for 2021, we examined data for 301 metro areas across the following five metrics:

  • Percentage of residents who walk or bike to work. Data comes from the Census Bureau’s 2019 1-year American Community Survey.
  • Concentration of fitness professionals. This is the number of fitness professionals per 10,000 workers. Our list of fitness professionals includes dietitians and nutritionists, recreational therapists, athletic trainers as well as fitness trainers and aerobics instructors. Data comes from the Bureau of Labor Statistics (BLS) Occupational Employment Statistics and is for May 2019.
  • Concentration of fitness establishments. This is the number of fitness establishments per 10,000 establishments. Our list of fitness establishments includes sporting goods stores and fitness and recreational sports centers. Data comes from the Census Bureau’s 2018 Metro Area Business Patterns Survey.
  • Concentration of fast-food restaurants. This is the percentage of restaurants that are limited-service establishments. Data comes from the Census Bureau’s 2018 Metro Area Business Patterns Survey.
  • Average hourly wage of personal trainers. Given the limited availability of direct data about the cost to consumers for personal training services, this metric acts as a proxy to indicate the relative affordability of hiring a personal trainer in a given metro area. Data comes from the BLS and is for May 2019.

First, we ranked each metro area in each metric. Then we found each place’s average ranking, giving all metrics a full weight except for concentration of fast-food restaurants and average hourly wage of personal trainers, each of which received a half weight. Using this average ranking, we created our final score. The metro area with the highest average ranking received a score of 100, and the metro area with the lowest average ranking received a score of 0.

Tips for a Fit and Financially Secure Life

  • Find the right financial fit. No matter what your fitness goals are, financially you want to make sure you are secure, and a financial advisor can help. Finding the right financial advisor doesn’t have to be hard. SmartAsset’s free tool matches you with financial advisors in your area in five minutes. If you’re ready to be matched with local advisors that will help you achieve your financial goals, get started now.
  • Consider the health of your budget. If you live somewhere where fitness is expensive, make a budget so that you can work the price into your monthly spending.
  • Making bigger money moves? If you’re considering moving to one of the places we listed above, use SmartAsset’s tool to find out how much house you can afford before you make the big move.

Questions about our study? Contact press@smartasset.com.

Photo credit: ©iStock.com/PeopleImages

Ben Geier, CEPF® Ben Geier is an experienced financial writer currently serving as a retirement and investing expert at SmartAsset. His work has appeared on Fortune, Mic.com and CNNMoney. Ben is a graduate of Northwestern University and a part-time student at the City University of New York Graduate Center. He is a member of the Society for Advancing Business Editing and Writing and a Certified Educator in Personal Finance (CEPF®). When he isn’t helping people understand their finances, Ben likes watching hockey, listening to music and experimenting in the kitchen. Originally from Alexandria, VA, he now lives in Brooklyn with his wife.
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Source: smartasset.com

Lakers Star Anthony Davis Sells Westlake Village, CA, Mansion for $6.6M

The NBA All-Star Anthony Davis has sold his trophy home in Westlake Village, CA, for $6.6 million, the Los Angeles Times reported. The Los Angeles Lakers center let the place go for a loss. The massive property last changed hands in 2018 for $7,479,000, according to realtor.com®.

Davis apparently nabbed the property while he was still playing for the New Orleans Pelicans. He then attempted to flip the home this spring for just under $8 million.

He cut the price in October to $7.5 million, and it sold at the end of the year at the even lower amount, leaving Davis with a rare loss—in real estate, at least.

Perched in the guard-gated North Ranch Country Club Estates, the 15,815-square-foot residence offers five bedrooms, six full bathrooms, and two half-bathrooms. Built in 1996, the contemporary Mediterranean has been expanded and remodeled over the years.


Watch: The Warriors’ Klay Thompson Takes On … Shanelle


The property is clearly designed with a basketball star in mind. The layout includes a full indoor court and sports gym. 

You enter from a motor court into a grand, two-story entry, and the floor plan includes formal living and dining rooms. A remodeled kitchen, with granite counters, double islands, and a pantry, adjoins a breakfast nook. The enormous master bedroom includes a fireplace, en suite bathroom, and walk-in closet.

Other stand-out features include a home theater, office, rec room, wine cellar, and separate guesthouse.

The 2.33-acre spread has an infinity-edge pool with dual slides, water features, and spa. The resort-style grounds continue with a covered outdoor kitchen, manicured turf, sundecks, and sunken trampoline.

Other amenities include outdoor security cameras, smart home technology, and solar panels. A four-car garage completes the property.

But “The Brow” isn’t without a place to rest his head. He had been renting a swanky Bel-Air mansion for a steep, $50,000 monthly lease, according to TMZ. The six-bedroom baller estate in a gated community features a gourmet kitchen, gym, pool, and basketball court, which he seems to prefer on his properties.

A native of Chicago, Davis, 27, was selected by the New Orleans Hornets (now Pelicans) in 2012. The seven-time All-Star was also named the All-Star Game MVP in 2017. He moved to the Lakers in 2019, where he helped the team clinch the NBA championship in 2020.

Jordan Cohen, estate director with Re/Max One, held the listing.

Source: realtor.com

Extreme Makeover’s Ty Pennington Lists Bright and Beautiful Venice Beach Home

Reality TV star Ty Pennington, known for changing people’s lives with his energetic personality on the original version of Extreme Makeover: Home Edition, is now looking to cash in on his own home makeover. Pennington has just listed his house — a beautiful and bright 1927 Craftsman in Venice, Calif. — for $2,795,000.

Pennington put his home design expertise to good use and carefully restored the property earlier this year with the help of his trusted interior designer, Patrick Delanty. Delanty, also known to be Halle Berry’s designer, has long been working alongside Ty Pennington, serving as his design director for Extreme Makeover and running his on-air design segments, most notably his presence on The Oprah Winfrey Show, Rachel Ray Show, NBC’s Nightline and Good Morning America.

Just like its reality TV star owner, the home is bright, cheerful and quirky, with colorful interiors exuding creativity and style. The property is listed by Patrice Meepos of Compass.

Ty Pennington’s house in Venice, CA. Image credit: Anthony Barcelo 

Tucked away on a one-way street near the beach, Venice Boardwalk, canals and Abbot Kinney’s hot spots, the original 1927 dwelling has 3 beds, 3 baths, and a sizable living room with decorative fireplace, along with a sunken family room with large windows overlooking a newly landscaped, private back yard with koi pond.

Ty Pennington’s house in Venice, CA. Image credit: Anthony Barcelo 
Ty Pennington’s house in Venice, CA. Image credit: Anthony Barcelo 
Ty Pennington’s house in Venice, CA. Image credit: Anthony Barcelo 
Ty Pennington’s house in Venice, CA. Image credit: Anthony Barcelo 
Ty Pennington’s house in Venice, CA. Image credit: Anthony Barcelo 

The ground level hosts the kitchen, laundry room, and bedroom with direct backyard access, as well as a full bath. On the upper level, there’s a master retreat and a second bedroom. 

Ty Pennington added quite a few special touches to the 2,102-square-foot home, including bamboo flooring, baths adorned in vintage-inspired ceramic tile, a master bath sporting a standalone shower and an antique cast-iron freestanding tub, kitchen with concrete countertops and a wraparound, porcelain-tiled porch. There’s also a beautiful backyard that looks like a great place to entertain guests.

Ty Pennington’s house in Venice, CA. Image credit: Anthony Barcelo 
Ty Pennington’s house in Venice, CA. Image credit: Anthony Barcelo 
Ty Pennington’s house in Venice, CA. Image credit: Anthony Barcelo 
Ty Pennington’s house in Venice, CA. Image credit: Anthony Barcelo 

While Ty Pennington did not return to host HGTV’s 2020 version of Extreme Makeover: Home Edition (which is hosted by Modern Family‘s Jesse Tyler Ferguson), you can catch the two time Emmy award winner in his other home improvement series, Trading Spaces — which recently restarted airing after a 10-year hiatus.

You can also get more tips from the home design expert from his latest book, Good Design Can Change Your Life, which is an intimate look at Ty’s design inspirations and is full of décor advice and tips. While we haven’t yet had the chance to pick up the book ourselves, according to his website the book is part reference, and part behind-the-scenes from Ty’s own home remodeling, which means the Venice home is already a bookshelf hit.

More beautiful celebrity homes

Morgan Brown Re-Lists Stunning West Hollywood Home Amid Split from Actor Gerard Butler
Wayne Gretzky is Selling his $22.9M California Home Designed by ‘The Megamansion King’
Chrissy Teigen & John Legend Buy $17.5M Beverly Hills Mansion After Cashing Big on Previous Home
5 Fabulous Homes of Your Favorite Formula 1 Drivers

Source: fancypantshomes.com

Virtually Tour Dwight’s Beet Farm: Rainn Wilson Sells Agoura Hills Home

Everyone loves the hit TV show, The Office. How can you not? Okay – well, even if you’re not a fan, you can’t deny that this home takes the Dundee for “Best Inspiration to Dwight’s Beet Farm.” Rainn Wilson, the actor who famously portrayed character Dwight Schrute in the cult comedy, is selling his Agoura Hills, California home. Wilson purchased the home in late 2005 for $1.2 million. Now, you can virtually tour the home right here on Homes.com!

dwight from the office rainn wilson sells agoura hills california homedwight from the office rainn wilson sells agoura hills california home

The home is settled on a gated property surrounded by tall, lush trees to give the appeal of seclusion and privacy – the way Dwight would have wanted it. The entirety of the lot is landscaped so those who prefer to be outdoors have the perfect escape from the real world (we’re looking at you, Andy). It’s a three-bedroom, three-bath home listed just under $1.7 million.

entryway rainn wilson homeentryway rainn wilson home

The home includes vintage wood paneling, an updated kitchen to match the style of the home, and plenty of porch and patio space for those who enjoy relaxing in the California breeze. Each bedroom has unique charm and character, along with high ceilings and bright colored walls.

living roomliving room

There’s also an owner’s suite and sprawling garage that offers potential buyers ample space and storage. Fenced off areas are also included, so those with an inclination to truly make this home feel like Dwight’s Beet Farm can do so at their leisure.

owner's suiteowner's suite
farm areafarm area

The listing is held by Gary Ruebsamen and Traci Eiler of Berkshire Hathaway HomeServices.

For more information on the homebuying, selling, or renting process, check out our free, step-by-step guides that will walk you through the entire journey you need.

Sydney PressleySydney Pressley

Content Marketing Assistant at Homes.com | See more posts by this author

As Homes.com’s content marketing assistant, Sydney gets to combine one of her favorite pastimes with her job– keeping up with pop culture. Outside of work, she enjoys stepping away from her phone and computer and spending time with her friends, whether it’s just hanging out or traveling. Trying new foods, going snowboarding, and long road trips are some of her other favorite things to do, but what does she loves the most? When people read Homes.com’s blog articles, of course!

Source: homes.com

How to Make Professional Resolutions for 2021 that You'll Actually Keep

About 80% of New Year’s resolutions fail, including the ones we make about our work lives. That’s because most of us approach them all wrong. Here’s the right way to make professional resolutions for 2021 that you can actually stick to … and celebrate!


Rachel Cooke
December 7, 2020

60% of us make them. But many of us know that when it comes to actually keeping New Year’s resolutions, the odds aren’t exactly in our favor. Research shows that, despite our best intentions, only 8% of us accomplish those annual goals we set for ourselves.

If you’re anything like me, 2020 has left you hungrier than ever for fresh starts and clean slates.

What keeps us coming back every year? Well, as PsychCentral tells us, it’s partly tradition (we are creatures of habit!) and partly the allure of a fresh start, a clean slate. And let’s be honest, if you’re anything like me, 2020 has left you hungrier than ever for fresh starts and clean slates.

That fresh start can apply to your professional life just as easily as it applies to dropping a few pounds, quitting your Starbucks habit, or taking up hot yoga. So, let’s talk about some strategies to help you set career resolutions and, most importantly, actually keep them.

Goals versus resolutions

Every year I hear people say “My New Year’s resolution is to lose 20 pounds.” But technically speaking, that’s not a resolution, it’s a goal. It’s an outcome that you either do or don’t achieve.

A New Year’s resolution is “a promise that you make to yourself to start doing something good or stop doing something bad on the first day of the year” according to the Cambridge English Dictionary.

Two things I love most about resolutions are that I have a chance to win every day, and I have complete control over my success.

A goal might be to achieve a revenue target, land an interview with someone you admire, or strike up a coveted partnership.

A resolution defines the experience you want to have. It’s about the how not the what. When I think of resolutions, I think of habits that will bring out the best version of myself—something like a promise to plan my day the night before so I’m ready to jump in fresh first thing in the morning.

The two things I love most about resolutions are that I have a chance to win every day, and I have complete control over my success.

4 strategies to help you set (and keep!) professional resolutions

1. Reflect on what you’d like to change

Resolutions begin with an honest look at the year closing behind you. For me, 2020 has had some highs, but on balance, it wasn’t my cutest. There’s a lot I’d love to change next year. And my resolutions focus on a few key areas that live within my locus of control.

There is no shame or blame here; there is only space for reflection.

So where am I choosing to focus? For me, there are three distinct experiences I had this year that I plan not to repeat in the one upcoming.

Overwhelm. That not-so-adorable feeling that the world is sitting on my shoulders—that my clients’ success and my kids’ education and my aging parents’ welfare are all relying on me. Can’t do it again next year.

Reacting from a place of fear. Holding my breath, taking on more work than I know I should because what if the economy doesn’t bounce back? Will not repeat this one in ’21.

Loneliness. Hi, I’m Rachel, and I’m an extrovert! (Here’s where all you fellow extroverts respond with, “Hi, Rachel!”) If travel and face-to-face meetings won’t be an option for a beat, then I’ve got to be intentional about finding ways to bring more connection into my life.

These three experiences put a damper on my 2020. Note there is no shame or blame here; there is only space for reflection.

Be thoughtful about what aspects of the year felt heavy for you and commit to changing your experience next year.

Maybe your experience of 2020 was grounded in anxiety, or you’ve felt job-insecurity, or maybe just boredom. There are no wrong answers, so be thoughtful about what aspects of the year felt heavy for you and commit to changing your experience next year.

2. Project what “better” would look and feel like

Ask yourself: If these are the experiences I don’t want to have again, what would it feel like to be on the other side?

Here’s what I came up with.

Shedding overwhelm would mean having a clear plan of attack each day. Rather than scrambling and juggling, I’d have a set of daily priorities ensuring clients, kids, mental health, and all significant constituents have what they need from me. The most critical things get done each day, and if nothing else gets done, I’ve still won.

Not feeling reactive and fearful? That will mean a shift in mindset from “What if the market doesn’t need what I offer?” to “How am I evolving my products and solutions to meet the changing needs of the market?”

And finally (sigh …) the loneliness. I talked about this in a quick video on my Modern Mentor page on LinkedIn. I miss the energy I take, the creativity I see triggered by moments of collaboration and brainstorming. It’s that very sense of ideas building on ideas that I want to recreate in 2021.

Now it’s your turn. What would your “better” look like in 2021?

If you’re job-insecure, maybe “better” means adding skills or certifications to your resume. If it’s anxiety you’re wrestling with, maybe your “better” includes more self-care and relaxation.

The only wrong answers here are the ones that don’t resonate with you. You’re less likely to stick with a resolution that isn’t personally meaningful.

3.  Define sustainable practices that will move you there

The words “sustainable” and “practices” are key here.

“Lose 20 pounds” doesn’t qualify as a resolution because it’s an outcome you can’t fully control. What you can control are the habits designed to get you there, like eating better or exercising. And if exercising every day feels unsustainable, then shoot for twice a week to start. Make it an easy win for yourself!

I’ll take the three experiences I want to have and translate those into habits and practices I can control.

So how does this translate into the professional realm? I’ll take the three experiences I want to have and translate those into habits and practices I can control. Here’s my working list.

In 2021 I will:

Choose my One Thing

I’ll begin each day by identifying the one thing I need to achieve in service of:

  • My kids (Example: Check my 6th grader’s math homework)
  • An existing client (Example: Develop slides for next week’s leadership workshop)
  • My health (Example: Yep, it’s a workout!)
  • My business growth (Example: Pitch an article to a big publication)

Once I get all that done, whatever else I do that day is gravy.

Make weekly client connections

I will schedule one call per week with a past or current client for the sole purpose of listening. I won’t be there to sell or help, but just to hear what’s on their minds, and what needs they’ve anticipated for the near future. This will allow me to be more planful and proactive in designing my offerings.

Set up virtual office hours

I will host bi-weekly office hours. I’ll share a Zoom link with a dozen of my friends and colleagues and invite people to pop in … or not. No agenda, no one in charge, just an open space for sharing ideas, challenges, and even some occasional gossip.

Pay attention to the fact that all of these resolutions are within my control. I’m not waiting for circumstances to change, and I’m not holding myself accountable to an outcome, I’m just committing to doing these things.

4. Track and celebrate

And finally, the fun part. Each resolution gets a page of its own in my Bullet Journal, which means lots of colorful checks and boxes! I keep track of how many days or weeks per month I stick with my resolutions. I set small goals for myself, and I give myself little rewards for hitting milestones. My reward might be an afternoon off, an extra hour of Netflix (do not tell the kids!), or an outdoor, socially distanced coffee with a friend. Celebration is so important. It motivates me to repeat the habit and have a better experience.

So there you have my secrets to setting and keeping my resolutions. I would be so grateful if you’d share yours with me on Twitter, Facebook, or LinkedIn. I’d be delighted to be your accountability buddy!

About the Author

Rachel Cooke

Rachel Cooke is a leadership and workplace expert who holds her M.A. in Organizational Psychology from Columbia University. Founder of Lead Above Noise, she has been named a top 100 Leadership Speaker by Inc. Magazine and has been featured in Fast Company, The Huffington Post, and many more.

Source: quickanddirtytips.com