What is Publishers Clearing House PCH?

Table Of Content

• What is a Giveaway?
• Products Offered by Publishers Clearing House
• What is an entry deadline?
• Sweepstakes
• Current PCH Sweepstakes
• Answering All of Your Questions

Publishers Clearing House was founded in 1953 by Harold and LuEsther Mertz and their daughter, Joyce Mertz-Gilmore. From their garage, mailings were created offering consumers an unprecedented array of discounted magazine subscription offers. In 1967 the company launched a sweepstakes to draw attention to its magazine deals and a chance to win money has been a part of the PCH promotional mix ever since. The company's offerings broadened in 1985 to include a wide range of merchandise including housewares and home décor, As Seen on TV products, apparel and accessories, personal-care items, home entertainment, outdoor and gardening items, collectible figurines and more. In 1999 PCH launched pch.com, and in recent years, a family of online free-to-play, chance-to-win properties and mobile apps have been developed in support of the brand identity that “It's All About Winning” at Publishers Clearing House.

What is a Giveaway?

While this is still true of Publishers Clearing House today, over the years, the company has grown into a world-famous brand that offers a multitude of products, contests, and entertainment services. Our continued success in today's new digital publishing environment is built on PCH's unique, free-to-play, chance-to-win propositions. Data and analytics have always been at the core of the PCH business strategy to optimize relevant engagement through personalized offers based on first-party relationships. We continue to evolve as a multi-channel media company that combines digital entertainment and direct-to-consumer marketing and commerce, creating an attractive destination for consumers, marketers, and retailers alike. In a skill contest, the winner is determined by skill — not chance — and an entry fee or purchase may be required.

Chillicothe woman surprised by Publishers Clearing House - Chillicothe Gazette

Chillicothe woman surprised by Publishers Clearing House.

Posted: Tue, 12 Dec 2023 08:00:00 GMT [source]

Products Offered by Publishers Clearing House

When a winner is selected, we will offer the prize promoted to the winning entry, as set forth in the Official Rules. Today, Publishers Clearing House is best known as a “sweepstakes company,” offering our friends and fans a variety of free-to-play, chance-to-win games, contests, sweepstakes and more, all of which span dozens of apps and digital properties. PCH has come to be known as the sweepstakes company whose famous Prize Patrol surprises winners on their doorsteps with oversized checks in amounts anywhere from $1,000 to Multi-Millions while TV cameras are rolling. These memorable, real-life reactions of stunned winners have entertained audiences all across America. Every entry has a unique prize number that corresponds to the entrant and the promotion from which the entry came.

What is an entry deadline?

Obviously, the sweepstakes was a hit and went on to become an integral part of the PCH brand. Sources of revenue for the company are digital advertising, search advertising and the sale of merchandise and magazines offered as bill-me later free credit, with 100% satisfaction guaranteed. A prize number is a 12-digit number assigned to an entrant and a prize promotion. A giveaway number identifies the prize promotional pool into which entries will be submitted. Throughout the life of a giveaway, you may submit many entries, and each one of them will have a new, unique prize number.

What is a Sweepstakes?

But, the giveaway itself will always have the same number, because the number functions as its name. An entry deadline is the date by which an entry must be received in order to be eligible to win the prize offered in the promotion. As was mentioned a moment ago, Publishers Clearing House doesn’t just deal in magazine subscriptions but has expanded into a plethora of different product categories for our fans to enjoy. Then, in 1985, our company began to expand its suite of product offerings into a diverse set of categories including collectibles, household appliances, entertainment devices and so much more.

Sweepstakes

By definition, sweepstakes in the United States are advertisements or promotional devices by which items of value (prizes) are awarded to participating consumers by chance, with no purchase, consideration or entry fee required to enter or win. Throughout the life of the giveaway, we may show different types of prizes that could be purchased by or funded by the dollar amount being offered. For example, a giveaway offering a $20,000 prize could be promoted as $20,000 Cash or a New Pick Up Truck ($19,999 MSRP).

Current PCH Sweepstakes

For example, in a skill contest you may write a winning jingle, solve a puzzle, or answer a question correctly. It is important to research how the contest works, what the prizes are, and what the fees are before paying anything to participate in a Skill Contest. At PCH giveaways are promotions that award prizes based on chance to entrants.

Friday the 13th turns lucky for Black Earth family when Publishers Clearing House stops by - Channel3000.com - WISC-TV3

Friday the 13th turns lucky for Black Earth family when Publishers Clearing House stops by.

Posted: Fri, 13 Oct 2023 07:00:00 GMT [source]

This decision has helped to shape Publishers Clearing House into what it is today. Most folks are familiar with PCH because of our legendary Prize Patrol, who deliver giant (in both size and dollar amount) checks, champagne, and balloons to awestruck winners, all while the cameras are rolling. While our loyal friends, fans, and winners all know that PCH is very real and quite legitimate, we want to take this opportunity to address those with these questions and discuss the long and storied history of Publishers Clearing House. In the summer of 2020 Marie Osmond became a spokesperson for Publishers Clearing House with television and online advertisements as well as direct-to-home mailings.In January 2021, Steve Harvey made his debut in television commercials as a spokesperson for PCH. The point is that Publishers Clearing House is always running an array of different sweepstakes that you can win! But remember, you have to be in it to win it, so check out all of our sweepstakes today.

Most prize promotions last for 4-8 weeks and have an entry deadline within that timeframe. The giveaway end date is the last day when any entry will be accepted for the giveaway before it closes for the final drawing. Premiums are free gifts that companies make available to all recipients who respond according to the company’s instructions — for example, a travel bag received with a new magazine subscription. When everyone who responds to the offer receives the same gift item, without any element of chance, the offer is considered a Premium, not a sweepstakes. The company has awarded over $593 Million in prizes and has evolved to greatly expand its offerings to include many ways to win online and through social media and mobile access. The expansion into these different areas began in 1967 when PCH launched its first sweepstakes as a means to attract attention to different magazine subscriptions.

Lottery is a promotional device that contains prizes, chance and consideration (a purchase or fee). Items of value (prizes) are awarded to members of the public by drawings (chance) but unlike Sweepstakes, lotteries require some form of payment or purchase (consideration) to participate. The most common examples, of course, are the local state lotteries in which consumers must purchase an entry ticket for a chance to win. Lotteries are illegal except when conducted by states and certain exempt charitable organizations. If you believe you have received a solicitation in the guise of a sweepstakes which is an illegal lottery (requiring you to pay to enter), you should contact your local Post Office or consumer protection office. To give you a quick overview of Publishers Clearing House and our history, the company was founded in 1953 by the Mertz family as a direct marketing magazine subscription organization.

These publications focus on particular topics.[47] Wide Open Spaces is about outdoors lifestyle, the Editorial Director of the publication is Rachael Schultz, formerly of Insider and Hearst Communications. Finally, their sports publication FanBuzz previously belonged to Cox Media Group. Remember, every day and every place you play with PCH means MORE WAYS TO WIN, so don’t miss out on a single opportunity — enter PCH sweepstakes today. If you want to go really big, you can enter to win $1.25 million dollars for your dream home.

House on Haunted Hill movie, 1999

Table Of Content

• This movie is featured in the following articles.
• Director
• Top cast
• The Alexandria Hotel
• Full Cast & Crew
• People who liked House on Haunted Hill also liked

It is where the Baphomet Idol was hidden (until Ariel Wolfe found and removed it in 2007), and its walls are made of a thick flesh (presumably as an effect of the Idol's presence in the chamber for so long). This long corridor served as the asylum's crematorium during the tuberculosis epidemic, and thus has dozens of furnaces; one of which hides the tunnel that leads to the Heart of the House. The basement of the facility is the main part of the asylum, and is where the inmates' former cells as well as most of the therapy rooms are located. In an epilogue, a film is shown with the patients torturing Evelyn and Price in what appears to be "the other side". By creating an account, you agree to the Privacy Policy and the Terms and Policies , and to receive email from Rotten Tomatoes. By creating an account, you agree to the Privacy Policy and the Terms and Policies, and to receive email from Rotten Tomatoes and to receive email from the Fandango Media Brands.

This movie is featured in the following articles.

Watson believes the house is genuinely haunted by the ghosts of those murdered there, including his own brother; he claims to have spent one night there before and "was almost dead" when found the next morning. He gives a tour of the house, including a vat of acid in the basement, which a previous resident used to kill his wife. When Lance and Nora remain behind to further explore the basement, Lance is locked in an empty room and struck on the head, while a menacing ghost confronts Nora. Frederick Loren, an eccentric millionaire, invites five people to a party he is throwing for his fourth wife, Annabelle, in an allegedly haunted house he has rented.

Original Vs. Remake: House on Haunted Hill - JoBlo.com

Original Vs. Remake: House on Haunted Hill.

Posted: Wed, 06 May 2015 07:00:00 GMT [source]

Director

It is also revealed that Evelyn and Blackburn are working together to scare the other guests into killing Steven. Sara comes across an incoherent Price in the basement, and believing that he is Blackburn's murderer, shoots him when he approaches her. After the others return upstairs, Evelyn approaches Steven to gloat, and Steven, protected by a bullet-proof vest, attempts to kill Evelyn. The two scuffle and accidentally unleash the Darkness of the house when Price throws Evelyn through a decayed door. The Darkness is a dark, shape-shifting creature composed of the spirits in the house; this force pursues and tries to kill the remaining guests.

Top cast

In a deleted scene from the 1999 House on Haunted Hill film, when The Darkness causes the floor to collapse in its chase through the house after Sara, Eddie and Price, Sara falls through into the chamber below. There, the corpses come to life and attack her, but Eddie is able to pull her back up into the house. There is at least one bedroom in the facility, which Evelyn Price slept in during Steven's haunted house party at the asylum. Several attempts were made to reconstruct it over the years, but the workers were killed by the ghosts inhabiting the building before reconstruction could be completed.

Blu-ray Review: House on Haunted Hill [Collector's Edition] - Under the Radar Mag

Blu-ray Review: House on Haunted Hill [Collector's Edition].

Posted: Mon, 17 Dec 2018 08:00:00 GMT [source]

Popular movies coming soon

It starts by assimilating and corroding Evelyn into itself, killing her while Price watches in horror. “In just a minute, I’ll show you the only really haunted house in the world,” Watson Pritchard, played by Elisha Cook Jr., says in the movie. Frederick is convinced Annabelle tried to poison him to acquire his wealth, which Annabelle somewhat evasively denies, attributing his suspicions to paranoia and jealousy.

The Alexandria Hotel

The Frank Lloyd Wright Foundation credits the property’s exoticism to its lasting Hollywood appeal. Additionally, its proximity to Tinseltown, the unique ability to look both ancient and modern, and its grand scale make it a special piece of LA real estate. To watch Wyetzner break down the history and architecture of other iconic horror homes, check out the newest episode of Blueprints.

Videos: Trailers, Teasers, Featurettes

Annabelle privately warns Lance that her husband is scheming something and that she suspects him of murdering his second and third wives after his first wife disappeared. The guests learn the party's rules downstairs, and each is given a Colt Model 1903 Pocket Hammer for protection. Having encountered further apparitions, Nora decides against staying the night, but the caretakers lock the doors five minutes early, taking that option out of the guests' hands.

All of these guests arrived at the asylum (except for Jennifer Jenzen, for whom Sara Wolfe went to the party in her place), and were sealed in with Evelyn and Steven when the ghosts reactivated the asylum's lockdown. Evelyn framed Steven, and when Steven tried to take revenge on Evelyn for trying to kill him, he threw her through a decaying door into the old, rotted room where The Darkness resided, releasing it. The shape-shifting creature, composed of the spirits in the house, consumes Evelyn, killing her and adding her spirit to its mass.

Nora, seeing Frederick enter the basement with a gun in his hand, does indeed shoot him. After she flees, David slips in to dispose of Frederick's body in the vat of acid, and the lights go out. However, when Ariel realized that Paul was trapped inside as well, she decided to go back into the asylum for him, and the house let her back in.

According to Malone, he wrote approximately twenty percent of the screenplay, though he did not take a writing credit on it. This area is a washroom which was apparently for the asylum's patients before the fire of 1931. It is directly above the sewer that runs underneath the building, and has a drain which leads directly down into the sewer (although it has a grate on it which stops anything larger than a statuette fitting through).

He promises to give each guest $10,000 with the stipulation that they stay the entire night in the house after the doors are locked at midnight, all the windows are barred, and there are no phones or radios to use. The guests are test pilot Lance Schroeder, newspaper columnist Ruth Bridges, psychiatrist Dr. David Trent, who specializes in hysteria, Nora Manning, who works for one of Loren's companies, and the house's owner, Watson Pritchard. All are strangers to both the Lorens and each other, their only commonality being their lust for money.

Dan Aykroyd was living here when he got the idea for Ghostbusters—he says he was inspired by the house’s extreme hauntedness (door locking, lights going on and off, a piano playing itself). The ghosts could be former occupants “Mama” Cass Elliot or Natalie Wood. Peg Entwistle is probably the most famous failed actress in Los Angeles history. Depressed by her lack of success, she jumped from the Hollywood Sign’s “H” to her death in September 1932. People have reported seeing a woman near the sign matching Entwistle’s description and dressed in period clothes; some people say they’ve seen a female figure actually making the jump.

While exploring the labyrinthine basement, Jennifer confesses to Eddie that her real name is Sara Wolfe, the recently fired assistant to the real Jennifer. Shortly after, Sara is nearly drowned in a tank of blood by a ghost impersonating Eddie, but the real Eddie arrives in time to save her. Melissa subsequently disappears, leaving behind a massive trail of blood and a camera that shows a little footage of what happened to her. Price visits his assistant Schechter, who is supposed to be managing the party stunts, but finds him horribly mutilated. On the surveillance monitor he sees the ghost of Dr. Vannacutt walking around with a bloody saw.

Pritchett deduces that the spirits themselves hacked the guest list on Price's computer. The only exception is Blackburn, whose name does not appear among the staff. Aroused by the ghostly sounds, David concludes that the killer is about and proposes he and Frederick split up to search the house. Lance uncovers a secret room at the end of the second-floor hall, but the door shuts behind him once he enters, trapping him. David instead meets with Annabelle, who had faked her death using a hanging harness and sedatives. Secretly lovers, the two of them have orchestrated the various mishaps to manipulate Nora into killing Frederick.

House on Haunted Hill is a 1999 American horror film, directed by William Malone and starring Geoffrey Rush, Famke Janssen, Taye Diggs, Ali Larter and Jeffrey Combs. Produced by Robert Zemeckis and Joel Silver, it is a remake of the 1959 film of the same name directed by William Castle. In 2007, the film was followed by a direct-to-DVD sequel, Return to House on Haunted Hill, which was released in both rated and unrated editions.

Mortgage Calculators and Refinance Calculators

Table Of Content

• What Is Amortization?
• Refinance mortgage calculators
• How you plan to use the property
• How To Use A Mortgage Calculator
• Mortgage Calculator Uses

We recommend keeping your mortgage payment to 25% or less of your monthly take-home pay. For example, if you bring home $5,000 a month, your monthly mortgage payment should be no more than $1,250. Using our easy mortgage calculator, you’ll find that means you can afford a $211,000 home on a 15-year fixed-rate loan at a 4% interest rate with a 20% down payment.

What Is Amortization?

Oregon Mortgage Calculator - The Motley Fool

Oregon Mortgage Calculator.

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

The amount of cash a borrower pays upfront to buy a home; it goes toward the purchase price with mortgage loans typically used to finance the remaining amount. Homeowners insurance rates vary depending on where you live and  the age and condition of the home. For instance, you may pay a higher premium for a home that’s older or hasn’t been properly maintained. When using a mortgage loan calculator, you’ll need to enter your zip code to receive an accurate estimate. For instance, if you want a lower monthly payment then you’ll want to choose a 30-year loan term.

Refinance mortgage calculators

But over time, more and more of your money will go toward principal. When you take out a conventional mortgage, most lenders will expect some kind of down payment. A down payment is a percentage of the entire loan amount you pay upfront before closing on the mortgage. To avoid paying private mortgage insurance (PMI) on a conventional loan, lenders expect a down payment of at least 20%.

How you plan to use the property

One way to pay off a mortgage faster is to make small additional payments each month. This technique can save borrowers a considerable amount of money. However, lengthier loans help to boost the profit of the lending banks. The amortization table shows how a loan can concentrate the larger interest payments towards the beginning of the loan, increasing a bank's revenue. Moreover, some loan contracts may not explicitly permit some loan reduction techniques. Thus, a borrower may first need to check with the lending bank to see if utilizing such strategies is allowed.

For instance, a 4% interest rate means you’ll pay 4% on the total loan balance until the mortgage is paid off. The mortgage calculator estimates a payment that includes principal, interest, taxes and insurance payment — also known as a PITI payment. These four key components help you estimate the total cost of homeownership. Bankrate's calculator also estimates property taxes, homeowners insurance and homeowners association fees.

This insulates the lending bank from unexpected increases in the SONIA rate. A good affordability rule of thumb is to have three months of payments, including your housing payment and other monthly debts, in reserve. This will allow you to cover your mortgage payment in case of an unexpected event.

While it’s one of the most exciting stages of the process, it can also be the most stressful. If you’re ready to get prequalified for a mortgage loan, we recommend talking with Churchill Mortgage. Start here to learn some basic home loan terms and the lender's role. If you’re ready to take the next steps toward becoming a homeowner, be sure to start the approval process with Rocket Mortgage.

Terms explained

Pennsylvania Mortgage Calculator - The Motley Fool

Pennsylvania Mortgage Calculator.

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

So, if you’re purchasing a $300,000 home, that means you’ll want to make a down payment of $60,000 before closing on the loan. Your down payment is subtracted from the total amount you borrow. Mortgage pre-approval is a statement from a lender who’s thoroughly reviewed your finances and decided to offer you a home loan up to a certain amount.

CalHFA Zero Interest Program

A mortgage payment calculator helps you determine how much you will need to pay each month to pay off your mortgage loan by a specific date. The longer the time horizon, the less you’ll pay per month, but the more you’ll shell out in interest over time. Shorter time horizons will require larger monthly payments, but you’ll pay less in interest over the life of your loan. A $2,000 per month mortgage payment is too much for borrowers earning under $92,400 a year, according to typical financial advice.

After that time period, however, it adjusts annually based on market trends until the loan is paid off. The interest rates are usually comparable to a 30-year mortgage, but ARMs transfer the risk of rising interest rates to you—the homeowner. Jamie Johnson is a Kansas City-based freelance writer who writes about a variety of personal finance topics, including loans, building credit, and paying down debt. And when you’re searching for a mortgage, the home price is the most easily adjustable factor.

However, if you are considering a smaller down payment, down to a minimum of 3.5%, you might apply for an FHA loan. Prepayment penalties or lost mortgage interest deductions on tax returns are other examples of opportunity costs. Borrowers should consider such factors before making additional payments. For example, a borrower who has a $150,000 mortgage amortized over 25 years at an interest rate of 5.45% can pay it off 2.5 years sooner by paying an extra $50 a month over the life of the mortgage.

Pre-approval is a smart step to take before making an offer on a home, because it will give you a clear idea of how much money you can borrow to pay for a house. Pre-approval is also a great way for you to stand out from other buyers in a competitive marketplace, since it proves to sellers that you can follow through on your offer and close the deal. To get the best mortgage interest rates and terms, you’ll want a down payment amounting to 20% of a home’s sale price. But if you don’t have 20%, you can put down as little as 3.5%, or in some cases 0%.

These costs aren't addressed by the calculator, but they are still important to keep in mind. Over the length of the loan, though, the 15-year loan is a far better deal, considering the interest you pay — $514,715 in total. Each month we’ll pay $2,859.53, over 60% more than with the 30-year loan. When all’s said and done, for a 30-year loan at 3.5% interest, we’ll pay $1,796.18 each month. On mobile devices, tap "Refine Results" to find the field to enter the rate and use the plus and minus signs to select the "Loan term."

As you play around with the calculator, you can see how different down payment amounts will ultimately impact your monthly payment. The less money you borrow, the less you'll need to pay each month. For example, say you have a $300,000 mortgage with a 6.5% interest rate.

When you get a mortgage, the lender pays for the cost of the home upfront. In exchange, you agree to pay the lender back with interest, over a set period of time. The FHA also offered further help amid the nationwide drop in real estate prices. It stepped in, claiming a higher percentage of mortgages amid backing by the Federal Reserve. Today, both entities continue to actively insure millions of single-family homes and other residential properties. Mortgage lenders are required to assess your ability to repay the amount you want to borrow.

And potatoes might also see a price hike in the coming months, with growers warning of a major shortage in the autumn due to persistent wet weather. It found a "real risk" of beer, biscuits and bread becoming more expensive if the poor harvest increases costs for producers, according to its lead analyst Tom Lancaster. The cost of bread, biscuits and beer could increase this year due to the impact of the unusually wet autumn and winter on UK harvests.

40 Houses with Stone Exterior Photos

Table Of Content

• Stone Home Designs & Inspiration
• Stone veneer shop
• Manufactured Stone Exterior Options
• designboom will always be there for you
• Versatility in Design Options
• Contemporary Stone Houses

Adding exterior wall cladding is one of the best ways to spruce up and upgrade your home . If you have the budget and time to make changes and improvements, consider this element to your home to increase your home’s value and, at the same time, its aesthetics. Mimicking the smooth, rounded rocks found in river beds, river rock veneer provides a rustic, organic look for a home or cabin.

Stone Home Designs & Inspiration

The best step to take is to ask the assistance of professionals before you paint anything. Make sure that the siding and masonry color combination you choose looks harmonious and at ease. Choose a color combination that can improve the aesthetics of your home rather than messing up the vibe you want to produce. Marble masonry cladding is guaranteed to be heavy and fragile though and these two factors need to be considered with your decision since it will need special handling for installation and maintenance.

Stone veneer shop

Known for its stunning array of colors and intricate veining patterns, marble elevates the visual appeal of any architectural style to that of luxury. Whether you prefer the classic purity of white Carrara marble or the dramatic richness of the colored varieties, marble exudes opulence and refinement. Available in an array of colors and patterns, including classic blacks, grays, pinks, and whites, granite can seamlessly enhance the look of both modern and traditional architectural designs. Its ability to withstand the elements and resist wear over time makes it an excellent choice for exterior applications.

Manufactured Stone Exterior Options

Opting for travertine on the exterior of a house is a choice that infuses a sense of casual elegance into your home’s façade. Travertine, a type of sedimentary rock, stands out for its distinctive porous texture and light color palette, making it an exceptional choice for those seeking both sophistication and a relaxed, natural ambiance. Combining bricks and stones on the exterior of a house is an architectural strategy that marries the warmth of brick with the elegance of stone. One of the most captivating aspects of cobblestone is its historic and timeless appeal. Its unique, rustic appearance lends a sense of nostalgia and Old World charm to any home exterior.

this french rustic stone house furnished without excess reveals the beauty of raw materials

Building with stone is a straightforward process that requires less skill than other materials like wood or brick. Homeowners can easily learn the basics, from laying out the foundation to setting the stones, making it an ideal choice for DIYers and those looking for an affordable home-building option. Depending on the manufacturer, architectural stone veneer can be molded out of foam or concrete—both of which are lighter than natural stone—which allows for greater versatility and makes for easier installation. There are many reasons to start building a beautiful inexpensive stone house, but we’ll list seven here.

Emma Stone Just Put Her Charming Los Angeles Home on the Market - ELLE Decor

Emma Stone Just Put Her Charming Los Angeles Home on the Market.

Posted: Wed, 17 Jan 2024 08:00:00 GMT [source]

This can also depend on the material you choose and how meticulous you are in cleaning and maintaining it. Natural masonry wall cladding can last for a long time but this is the same way with manufactured and faux masonry veneer. To give you a general look at the prices you will face when installing stone siding to your home’s exterior, here is a summary of the general cost of the different types of stone sidings.

Stunning Oklahoma City Flooring Stone vs Wood Flooring

'Poor Things' Star Emma Stone Lists Her Lovely L.A. Cottage for Nearly $4M - Realtor.com News

'Poor Things' Star Emma Stone Lists Her Lovely L.A. Cottage for Nearly $4M.

Posted: Thu, 18 Jan 2024 08:00:00 GMT [source]

Its elegant, aged appearance only grows more beautiful with time, ensuring that your home’s exterior maintains its charm for years to come. Choosing travertine transforms your house into a haven of casual elegance, a place where timeless beauty and a relaxed atmosphere coexist in perfect harmony. Together, bricks and stones create a balanced visual contrast that can suit various architectural styles, from rustic cottages to modern residences. This dynamic combination not only enhances curb appeal but also reinforces the structure’s resilience against the elements. This harmonious blend of materials offers a versatile canvas for design, allowing homeowners to craft distinctive facades that add depth and character to the exterior of a home.

The best stone to build a house with depends on several considerations, such as the local climate, soil conditions and your budget. In general, limestone is a great choice for building a stone house because it’s highly durable and relatively affordable. Granite is also an excellent option due to its hardness and resistance to weathering. If you’re looking for something even more unique, sandstone or slate can provide unique visual appeal.

This makes them the perfect choice for those seeking reliable protection with little investment in labor and repair costs. Designed to emulate the ancient walls and fences found across the island, the Stone House utilizes local limestone collected from the project site to clad its exterior. Light-colored plaster lines the edges of the house’s roof and walls, creating an intermingled patchwork effect with the limestone that hearkens back to traditional Minorcan customs. While they aren’t as popular as they used to be, Tudor-style homes—which typically feature a stone, brick, and timber exterior—are nevertheless a testament to the beauty of natural stone. Due to its lightweight nature and use of manufactured materials, architectural stone veneer is significantly cheaper than stone and doesn’t require highly skilled laborers to install.

Comprised of other stones like feldspar, mica, and quartz, granite comes in many different colors and textures. Granite is common on the exterior of Colonial, European, and Craftsman style homes. In this guide, we’ll review all of the many different types of stone for a home’s exterior, and a complete list of styles available, so you have a better idea of what works best for you and your stone exterior home. More and more homeowners have transformed their houses with a stone exterior, and it’s only natural given the stone’s sense of permanence and durability. Although Occidental College relocated to the nearby Eagle Rock neighborhood in 1912, a series of landmarked homes, including this one, are part of an area originally known as Professors’ Row.

Some popular stone veneer siding options which we’ll discuss in more detail include Limestone, Sandstone, Granite, Marble, and Slate among others. The type and amount of stones needed and other construction materials needed for building a stone house will all be considered before embarking on the project. If you’re still insistent on using natural stones despite the limited budget, you can go for sandstone and quartzite since they are affordable natural stonework options. Stay away from the most expensive ones like onyx, slate, granite, and marble. The masonry siding of your home, when properly taken care of and well-maintained can last a lifetime, which is at least 20 years to 75 years.

Manufactured river rock stones are smooth and polished with large mortar gaps. Made up of large, irregular shapes with the appearance of natural weathering, fieldstone mimics naturally found stones in rivers or fields. Due to the nature of their creation, manufactured stone comes in just about every color, shape, and style. A few shapes and stacking patterns are common in manufactured stone veneers. Contemporary, Modern Farmhouse, and Mountain style homes frequently utilize quartzite exteriors. This is a look at the house from the vantage of the water scenery with a fountain.

LAs most haunted landmarks and their ghost stories, mapped Curbed LA

Table Of Content

• Casting
• Hollywood Roosevelt Hotel
• Evil loves to party.
• Sign up and you will see here friends impressions of the movie.
• Movies
• Griffith Park
• Trending movies

An amusement park mogul offers a random group of diverse people $1 million to spend the night in a decrepit former mental institution. They have faked Evelyn's death, plotting to frame Price for the murders, hoping one of the guests will kill him in self-defense. Evelyn heartlessly kills Blackburn, adding another victim, then releases a delirious Price from the chamber. Sara finds Price, covered in blood and with Blackburn's severed head nearby, and shoots him. Eddie and Pritchett arrive and bring Sara upstairs, after which Evelyn approaches Price to gloat.

Casting

During the fire, he released these gates, keeping the inmates, employees and the fire itself contained. After several unexplained deaths during reconstruction of the facility, it was dubbed "The House on Haunted Hill". However, in 1931, one of the inmates led a revolt against the institute's staff.

Hollywood Roosevelt Hotel

Shortly after, Pritchett is also killed by The Darkness, allowing Price to flee. Price opens a window in the attic, then sacrifices himself to give the others time to escape. House on Haunted Hill is a 1999 American supernatural horror film directed by William Malone and starring Geoffrey Rush, Famke Janssen, Taye Diggs, Ali Larter, Bridgette Wilson, Peter Gallagher, and Chris Kattan. The plot follows a group of strangers who are invited to a party at an abandoned insane asylum, where they are offered $1 million each by an amusement park mogul if they are able to survive the night.

Evil loves to party.

House on Haunted Hill Features - Roger Ebert

House on Haunted Hill Features.

Posted: Tue, 23 Oct 2012 07:00:00 GMT [source]

Pictures supplied promotional scratchcards to cinemas showing the film, offering ticket buyers a chance to win a money prize, similar to the movie's characters. The film received negative reviews from critics, but was a commercial success, opening number one at the box office, and grossed $43 million worldwide. Chavez Ravine is haunted by more than just the eerie specter of displaced poor people—it’s also said to have one or two actual ghosts, as well as a spooky mist.

Shortly afterward, the security gates are tripped, locking everyone inside and forcing them to remain there until the gates unlock in the morning. Price scolds Carl Schecter (Max Perlich), a company employee - who has developed a series of harmless traps to scare the guests - for not letting him know he planned to pull a stunt like that. Schecter claims it wasn't him who triggered the lockdown, and Price is then convinced that Evelyn did it somehow. Shortly after, Melissa is killed by one of the ghosts when she wanders off into the basement of the house. It's revealed that the spirits themselves created the guest list specifically to include the descendants of the five members of Vannacutt's staff who didn't die in the 1931 fire.

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However, Sara and Eddie (with the help of Pritchett's ghost) were able to escape through the attic window (which Price was able to reopen before he was absorbed) onto the building's roof before The Darkness could assimilate them. The Vannacutt Psychiatric Institute for the Criminally Insane, also known as the House on Haunted Hill, is a now-abandoned building located on a cliffside on the coast of Los Angeles, California. After the Baphomet Idol was hidden in the asylum, its power made everyone who died in the building haunt it, until the Idol was removed in 2007.

The door to this room is located near the stairs that lead up from the basement to the lobby. The desks and desk lamp in it would suggest that it was originally a study. This room is apparently where The Darkness is imprisoned, and disturbing the room will release it. The Darkness assimilated Evelyn, Pritchett and Steven, and tried to absorb Sara and Eddie as well.

Griffith Park

As they are running up the stairs to the attic, Sara trips, and the Darkness uses Melissa's form to try, without success, to lure her to it. Price by then has activated a pulley that reveals an opening in the window of the attic. Eddie and Sara arrive in the attic, while the Darkness seeps up the cracks of the wooden floor. Price sacrifices himself to give Sara time to escape, but when Sara escapes out through the window onto the building's roof, the Darkness then severs the rope holding the iron gate, trapping Eddie inside. The Darkness reveals that the souls that comprise it want to feed on all those "who are responsible".

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Designed in a trabeated style, the home lacks curves, arches, vaults, and domes and is heavily inspired by Mayan architecture. Sony returns to their own Marvel universe with the upcoming Kraven the Hunter, which has been bumped all over the release schedule. The Heart of the House is a chamber which can be accessed through a hidden tunnel that leads to the Heart from the asylum's crematorium.

If you’ve ever seen Buffy the Vampire Slayer, Day of the Locust, or Blade Runner, then you’ve also seen the Ennis House. In the films, the property is used to depict a vampire mansion, a private residence, and an apartment building respectively. Designed by Frank Lloyd Wright in 1923 and constructed in 1924, the home has made more than 80 onscreen appearances throughout its near century-long existence, according to the Frank Lloyd Wright Foundation. However, it was the home’s feature in House on Haunted Hill in 1959 that brought it into ghoulish acclaim. Kraven the Hunter will be the very first Marvel movie from Sony to be released into theaters with an “R” rating, with lots of bloody violence being promised. There was a time when Sony was going to unleash Kraven in theaters in October 2023, but the film was then bumped to August 2024.

The old asylum's staff used the pool to perform hydrotherapy on patients, but the patients usually drowned in the pool. This room is an isolated, inescapable room where, during Vannacutt's reign of terror, patients would be put in the room alone in the dark, most likely to starve to death. There is no way in or out of the room (except for smashing through the wall), as patients were put inside by building the room's fourth wall in front of them. This room is an isolated, decayed, almost empty room, which can be accessed through an old, decaying door.

With the Idol and its power gone from the building, the ghosts were freed from Baphomet's will and crossed over, and the facility came unsealed. The Institute was built by the grandfather of Watson Pritchett, and was run by Dr. Richard B. Vannacutt. At some point, when Dr. Vannacutt discovered the Baphomet Idol and was corrupted by its evil, he hid the Idol in the heart of the house; a chamber the entrance to which was hidden at the back of one of the furnaces in the asylum's crematorium.

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

Table Of Content

• Chase Private Client
• What's included in your monthly mortgage payment?
• Credit score
• Down Payment Assistance Search Tool

Often people do this to get better borrowing terms like lower interest rates. Refinancing requires a new loan application with your existing lender or a new one. Your lender will then re-evaluate your credit history and financial situation. An extra payment is when you make a payment in addition to your regular monthly mortgage payment. Remember, your monthly house payment includes more than just repaying the amount you borrowed to purchase the home.

Chase Private Client

Banks amortize many consumer-facing loans such as home mortgage loans, auto loans, and personal loans. Nonetheless, our mortgage amortization calculator is specially designed for home mortgage loans. Mortgages for certain property types generally have different interest rate ranges. For example, single-family homes often have lower interest rates than condos. Not all lenders offer mortgages for condominiums, so there’s less competition, and mortgages for condominiums are somewhat riskier than for single-family homes.

What's included in your monthly mortgage payment?

Mortgage loan terms can vary, but most borrowers choose either a fixed-rate 15-year or 30-year mortgage. You can adjust your monthly mortgage payment by changing the loan terms. With current average rates, you might be able to borrow around $315,000 on a 30-year loan if you're looking to pay $2,000 a month for a mortgage, not including taxes or insurance. This is higher than the median monthly mortgage payment, but lower than the average monthly mortgage payment. To determine how much you can afford to borrow, lenders will look at your income, debts, assets, employment, and credit. They want to make sure that you have the income to afford your monthly payments, and that a mortgage wouldn't push your debt-to-income ratio (DTI) to an unacceptable level.

Credit score

Let’s learn more about how a mortgage calculator works, and the different factors it uses to determine your monthly mortgage payments. A bi-weekly mortgage is a mortgage in which the borrower makes half of their monthly mortgage payment every two weeks, rather than paying the full payment amount once every month. So if you paid monthly and your monthly mortgage payment was $1,000, then for a year you would make 12 payments of $1,000 each, for a total of $12,000. But with a bi-weekly mortgage, you would make 26 payments of $500 each, for a total of $13,000 for the year.

Ohio Mortgage Calculator - The Motley Fool

Ohio Mortgage Calculator.

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

People can enter their address on the FCC’s broadband map to find providers in their area. The California Public Utilities Commission also provides a list of providers with low-cost internet plans. Basically, swap rates dictate the pricing of fixed-rate mortgages. Naturally, the lower your interest rate, the lower your monthly payment will be. Depending on your credit score, you may be qualified at a higher ratio, but generally, housing expenses shouldn’t exceed 28% of your monthly income.

You can apply online or speak to a Home Loan Expert to get a better idea of how much you’ll pay after you close. Apply online for expert recommendations with real interest rates and payments. It’s the final price you negotiate with the seller, and it’s the total amount you’ve agreed to pay for your home. They can be either fixed, staying the same for the mortgage term or variable, fluctuating with a reference interest rate. Although there is no set time frame, the custom within the real estate industry is that mortgage pre-approval is valid for between 90 to 180 days.

Down Payment Assistance Search Tool

You can also check out the average property taxes in your state to get an idea of how much you might pay for this cost, but keep in mind that tax rates can vary a lot from city to city. Your mortgage lender should be able to give you an estimate based on where you're planning to buy. Taxes you have to pay based on the government’s appraisal of your property. These are usually included as part of your monthly mortgage payment. Property taxes vary greatly depending on location and home price. A 15-year loan does come with a higher monthly payment, so you may need to adjust your home-buying budget to get your mortgage payment down to 25% or less of your monthly income.

How much house can I afford on my salary?

Fortunately, you can still get a conventional loan with a down payment as low as 3%. A mortgage term is the length of time you have to repay your mortgage loan. A lump-sum payment is when you make a one-time payment toward your mortgage, in addition to your regular payments.

This schedule will show you how each of your monthly payments breaks down in terms of how much you're paying toward your principal vs. interest. Amortization refers to the process of making payments toward a debt until you've fully repaid it. With a mortgage, you'll make monthly payments that are calculated in a way that allows you to pay off your balance by the end of your term while also accounting for the interest you owe. A 15-year mortgage will have a higher monthly payment but a lower interest rate than a 30-year mortgage. Because you pay more toward the principal amount each month, you’ll build equity in your home faster, be out of debt sooner, and save thousands of dollars in interest payments. In exchange for giving you a loan, your lender will charge you interest on the total amount you borrow.

While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service. The major part of your mortgage payment is the principal and the interest. The principal is the amount you borrowed, while the interest is the sum you pay the lender for borrowing it.

Most financial institutions offer several payment frequency options besides making one payment per month. Switching to a more frequent mode of payment, such as biweekly payments, has the effect of a borrower making an extra annual payment. Over time, the balance of the loan falls as the principal repayment gradually increases. In other words, the interest portion of each payment will decrease as the loan's remaining principal balance falls. As the borrower approaches the end of the loan term, the bank will apply nearly all of the payment to reducing principal. In the context of a loan, amortization is a way of spreading the loan into a series of payments over a period of time.

From there, you can come up with a sample monthly budget and get an idea of how much money you can put toward your mortgage. This will give you a rough estimate of how much home you can afford so you can narrow your search. That means using the above example, instead of making a $60,000 down payment, you’ll owe a $9,000 down payment. You can even get a mortgage with no down payment requirements when you qualify for a USDA or a VA loan. Of course, a 20% down payment is financially out of reach for many people.

The process of spreading your interest and principal payments over time is called amortization. When your loan is fully amortized, your loan balance reaches $0. This typically happens at the end of your term unless you make extra payments.

You can use a spreadsheet tool like Excel to make it easier to calculate your full amortization schedule, or you can simply use an online amortization calculator. This means that on your very first mortgage payment, you'll pay $1,625 in interest. Want to get rid of your house payment for good by paying off your home loan? Change the home price in the loan calculator to see if going under or above the asking price still fits within your budget. Once the financial pieces are in place, it’s time to find your perfect home!

A 20% down payment also allows you to avoid paying private mortgage insurance on your loan. You can use Zillow's down payment assistance page and questionnaire tool to surface assistance funds and programs you may qualify for. If you want to accelerate the payoff process, you can make biweekly mortgage payments or put extra sums toward principal reduction each month or whenever you like. This tactic can help you save on interest and potentially pay your loan offer sooner.

Developing Your Token Structure

Table Of Content

• Stunning *1967* Krugerrand - Original specifications - Gold Effect / South Africa Coins
• Color tokens
• Maintaining a design system in Figma
• Mason Jar Silver Coin Mixed Lot Vintage U.S. Silver Coins
• Similar items on Etsy
• Creating a style guide

Dribbble offers high-quality courses to help you learn design systems and make yourself more marketable as a product designer. To learn more about building and scaling design systems, sign up for our 8-week Scaling Design Systems Course with Dan Mall, product designer, founder, and design systems pioneer. As Systems designers, it is our duty to optimize at scale the experiences of Designer and Developers when consuming our product; the system itself. Design Tokens are used in place of hard-coded values and variables in order to ensure flexibility and unity across all product experiences and/or platforms. They are also platform-agnostic so it makes it easier to communicate with developers using these terms.

Stunning *1967* Krugerrand - Original specifications - Gold Effect / South Africa Coins

The plugin uses standardized naming conventions, eliminating the need for designers and other collaborators to keep track of token names. Topias Saari, a student at Haaga-Helia University of Applied Sciences, helped create the design tokens and implement them into the overall UX system. Saari notes that the use of design tokens has allowed ABB employees to discuss design attributes in the same terms, making it easier to collaborate. For example, you can use “colorPrimary” value for the background of a button, the border color of a form input field, and the text color of a heading. By defining these colors as design tokens, designers and developers can easily change the user interface’s color scheme without manually updating each element. Although it’s possible to create new products without design tokens, doing so takes a lot more time — and it can add to your frustration as a product designer.

Color tokens

Depending on how distinct the consolidated design decisions need to be, the semantic tokens can be defined to be more specific to allow stricter design changes. This will increase the number of tokens in the semantic layer but will make the system easier to maintain while providing the flexibility to handle design edge cases. We can use these tokens to create reusable design components that can be easily modified and reused across a user interface. By creating a set of design tokens for each element, designers and developers can quickly adjust the component’s design while maintaining consistency with the rest of the user interface.

Maintaining a design system in Figma

They work with all style files in your system, making your design consistent and easy to scale. You can use design tokens in various design systems and workflows, including style guides, design libraries, and component-based design. By creating a consistent and easily modifiable set of tokens, designers, and developers can quickly make interface changes without manually updating each element. To create a robust design system, you must understand how to create design tokens and use them appropriately. This guide defines a design token, explains the benefits of using these tokens, and provides answers to some of the most frequently asked questions about getting started with design tokens. However, as far as I know, design tokens generator such as Theo can only be used at the moment by developers since design tools can’t communicate natively with design tokens generators.

Making design changes manually also increases the risk that you’ll make a mistake, resulting in even longer project delays. When your design decisions are saved as token values, you can change text colors, button shapes, and other design elements with just a few clicks. At this stage, we can consolidate the component tokens design decisions into semantic tokens, reducing the number of tokens that need to be maintained.

Taxonomy & scale

For example, if a product changes its typeface from Montserrat to Roboto, the team only has to update the typography token to implement a product-wide change. Design tokens allow teams to speak the same language, no matter their role, platform, programming language, or responsibilities. The design system revolution of the last decade has brought with it all sorts of tools and strategies to enhance product development workflows. While a design token isn’t something you visually see in the creation of a website or app, it can create the aesthetic harmony that makes it work seamlessly. It takes a committed team implementation to make them work because they are only as powerful as the code allows for. Brent then went ahead and created a theme specification to solve this very problem.

Design tokens are a set of modular and reusable pieces of code that define a user interface’s design properties and values. They serve as a common language between designers and developers, allowing them to communicate and collaborate more efficiently throughout the design and development process. Design tokens design tokens deal with the abstraction and management of design properties.

Similar items on Etsy

These tokens are designed to be use for horizontal and vertical spacing, in a variety of contexts. Find all of our available design tokens and their usage descriptions in all tokens. In some design systems, Design Tokens may have complex hierarchies with tokens referencing other tokens.

Creating a style guide

Themes are how we switch color schemes and styles everywhere using a single set of tokens. Design tokens are name and value pairings that represent small, repeatable design decisions. A token can be a color, font style, unit of white space, or even a motion animation designed for a specific need. If you want to use design tokens across all the platforms, you will need a token transformer to transform design tokens values. Yana is a solutions consultant at InVision, focused on identifying opportunities within clients existing processes and tool stacks. Formerly a digital producer, she also holds experience working directly with design and development teams to deliver various digital products.

What design tools get wrong - Fast Company

What design tools get wrong.

Posted: Fri, 12 Apr 2019 07:00:00 GMT [source]

This can be accomplished by setting a Design Token to another Design Token. Unless configured not to, a DesignToken emits a token to CSS automatically whenever the value is set for an element. In the case when a DesignToken is assigned a derived value, the CSS custom property will also be emitted when any dependent tokens change.

It breaks down user interfaces into smaller, reusable components called atoms, molecules, organisms, templates, and pages (in ascending order of complexity). Atoms are the basic building blocks like buttons, input fields, icons, etc. Molecules are combinations of atoms, organisms are combinations of molecules, and so on. Design tokens are one of those tools many design systems, including Google’s Material Design 3 and MUI, have adopted to make UI elements easier to implement, manage, and update.

A token is a key that describes some kind of our design solution. For example, the key “color”, which stores the color #F5F5F5, or the key “border-radius”, which stores information about the rounding in 12px. Master advanced Figma strategies while achieving superior efficiency and productivity as a designer! Advanced Figma Video Course is a hands-on, engaging, and practical video course teaching you everything you need to know to be a confident Figma user and a better designer. Tokens can be created based on the level of abstraction you’d like to have for your system and if you’d like to create themes or modes. With each level, the complexity increases but it opens up a higher degree of advantages.

Get access to our Figma libraries with design tokens built-in as styles and in components. Once you get started with design tokens, make sure you’re prioritizing functionality instead of spending the bulk of your time worrying about creating just the right token name. You may also want to ask your leadership team for additional resources to ensure you have exactly what you need to create a functional design system. 2) The design tool updates design tokens files according to targeted platform. If you have difficulty understanding the hierarchical structure of your design tokens from .json, you can use this tool to see the connections (even if you are entirely non-technical.)How to do it?

Together with the component layer, we've also greatly reduced the possibility of having to do a large-scale refactor. Design tokens in Figma are defined using the Styles feature, which allows designers to create reusable styles for text, color, and other design properties. These styles can be organized into a library, making it easy to manage and apply them across multiple projects. 🤔 Simply put design tokens are key-value pairs, where the key is a human-readable name given to design primitive values of colors, spacing, font size, etc.

View new colors and styles in your product during migration using the Chrome plugin (Atlassians only). Design using tokens in Figma and preview new colors and tokens in products. Common tokens help communicate the intended purpose of a token and are effective when a value with a single intent will appear in multiple places (think “color-action”).

Design systems evolve over time and so do the platforms they are built on. Figma has only a basic versioning, so we need to be careful with changes. But there are some techniques to make sure we don’t release updates that break consumers Figma projects. You build a design system based on tokens, upload them to a JSON file and use it alone for all platforms. Now that you covered the basics of design tokens and their benefits, let’s go through 6 vital steps to create them. It can be done in multiple ways, depending on the hierarchy of your tokens, the team setup, the level of visibility you’d like to create, etc.