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Table Of Content

• Baghdad’s Libraries
• The Banning Museum
• Notable intellectuals
• House of Wisdom: Inventions in the Islamic Golden Age
• Works and scholars
• Find Your Los Angeles Area Home

One writer has estimated that some private libraries were bigger and richer than public or private, libraries in Western Europe. However it was not the norm for the well-to-do people to leave their libraries open to public or to endow them for users. The example of the house of wisdom was remarkably followed and its influence appeared when other many public libraries have emerged all the way from Bokhara and Merv, in the heart of Asia, on the route to China through Basra and Damascus, Algiers and Cairo. The famous geographer Yaqut al-Hamawi who had visited Merv in the late 1220s, found more than twelve libraries there opened for public.

Baghdad’s Libraries

By the thirteenth century, Baghdad had thirty-six libraries and a 100 book dealers, some of whom were also publishers. The concept of a library catalog dates back to this period; books in these libraries were organized under specific genres and categories. The father of Arabic prose, he translated and adapted a wealth of works from Persian, including his renowned Kalila wa Dimna, an adaptation of the ancient Indian collection of tales and fables Panchatantra, which would inspire the 17th-century French poet Jean de La Fontaine centuries later. Additionally, each of the translations was annotated by scholars from the field in an effort to explain the sciences to the general public. The Abbasid caliphs’ appetite for knowledge was such that an entire body of classical scientific literature - including works by Aristotle, the Greek physician Galen and the Indian surgeon Sushruta - was translated into Arabic, thanks to the House of Wisdom.

The Banning Museum

But the great humanist also advanced the frontiers of knowledge by commissioning the translation of his trove of literary and scientific works into Arabic. What was now known as Bayt al-Hikmah (the House of Wisdom) soon attracted scholars from far and wide, and rapidly expanded to include a translation house, an observatory, and accommodations for visiting scholars. Before that decision, the works were exclusively reserved for court scholars, however now the library could be accessed by general public. The eighth-century mathematician al-Khwarizmi (who introduced what later came to be known as Arabic numerals), the astronomer Yahya ibn Abi Mansurh, the philosopher al-Kindi, and the mystic al-Hallaj, were all regular patrons of the library. Bayt al-Hikmah, royal library maintained by the Abbasid caliphs during their reign in Baghdad. At Ancient Origins, we believe that one of the most important fields of knowledge we can pursue as human beings is our beginnings.

Notable intellectuals

There has been different opinions on the identity of the founder of the Abbasids' House of Wisdom. He was the first caliph who motivated Muslims to study sciences and develop them, he also advised them to translate books from Persian, Greek, and Indian languages. Among the books that al-Mansur initiated their translations were the book of Al-Sind Hind a book on mathematics and a huge collection of Aristotle, Euclid and of Claudius Ptolemy writings. The House of Wisdom included a society of scientists and academics, a translation department and a library that preserved the knowledge acquired by the Abbasids over the centuries. They also researched and studied alchemy, which was later used to create the structure of modern chemistry.

House of Wisdom: Inventions in the Islamic Golden Age

Islam has it’s terrible followers too, and we cannot afford to be blind to the writings they follow !!! The current conducted research has a very original contribution since previous studies on the House of wisdom have only dealt with historical backgrounds of some libraries. The paper contributes in highlighting the extent of creativity for authors that had flourished due to the House of wisdom in which book authoring took a very progressive trend. It also adds new historical and factual contribution to studies on the administrative and managerial aspects and the way they function in the House of Wisdom (Bayt al-Hikmah) that was later assimilated by several libraries in the Muslim world.

Maths and science

The family of the last Abbasid Caliph Al-Musta’sim, as well as thousands of the city’s inhabitants, were slaughtered, and the extensive collection of books and manuscripts at the House of Wisdom were thrown into the Tigris. It is said that for days afterwards the river ran black with the ink of books and red with the blood of scholars. It was a tragic ending for one of the most advanced, diverse and progressive cities of the age, and an ending from which it would take Baghdad centuries to recover. Following his predecessors, al-Ma'mun would send expeditions of scholars from the House of Wisdom to collect texts from foreign lands. In fact, one of the directors of the House was sent to Constantinople with this purpose.

Here you’ll find a brief overview of Baghdad’s House of Wisdom, its key scholars, and a summary of our free-to-use lesson plan developed in conjunction with the University of Chicago’s Center for Middle Eastern studies. The libraries that have flourished following the example of the house of wisdom's have had their doors open to scholars from all over the world. Libraries have had almost the same kind of translated books that were culled from scholarships of dozen languages. The house wisdom was a center of knowledge and education, it was a rival of the Constantinople's if it did not exceed it. It was the model for other libraries and similar institutions throughout the soils of Islamic civilization.

House of Wisdom's Ramadaniyat organises 40 activities attracting 8000 visitors - Gulf Today

House of Wisdom's Ramadaniyat organises 40 activities attracting 8000 visitors.

Posted: Fri, 05 Apr 2024 07:00:00 GMT [source]

DollarDaily.org is proud to present IllumiNations, a new weekly PDF for your Shabbos table featuring stories direct from the frontlines of shlichus. Since its inception in October 2021, DollarDaily is now distributing over $725 each day to different Chabad centers worldwide – all from people donating $1. Baruch Hashem, by the time we were married and ready to look for a shlichus position, almost every inch of Los Angeles was already covered by a dedicated shliach. If you enjoy exploring the historic homes of famous, and not-so-famous people, there are a number of historic residences in Southern California that are open to the public as museums. Most of them are City, State and National Historic Landmarks There is some overlap with LA Local History Museums. By fostering an understanding of the pivotal role played by the Arab world in shaping modern science, this resource empowers students to appreciate the diverse historical influences that have shaped our contemporary society.

Banu Musa: The 9th-century brothers who reinvented mechanics - The New Arab

Banu Musa: The 9th-century brothers who reinvented mechanics.

Posted: Tue, 25 Jul 2023 07:00:00 GMT [source]

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In Arabic, the term bayt (house) refers to a “covered space”, contrary to dar which refers to a complex comprising several bayt. Rashid was keen to make Baghdad a centre of intellectual growth and discovery and a flourishing home of the arts. It is said that within its walls, the theologian, Al Jahiz, wrote his pioneering work, The Book of Animals, and that Ali ibn Isa al and Khalid ibn Abd al-Malik obtained a measurement that enabled astronomers to calculate the circumference of the Earth. We’re the only Pop Archaeology site combining scientific research with out-of-the-box perspectives. It should not come as a surprise the implementation of new technological developments since the House of Wisdom was open to a great diversity of cultures and ideas.

The Abbasid library had preserved the knowledge and heritage of the ancient civilizations and it passed them to the west with a remarkable contributions, the latter has utilized some of the Abbasid period unprecedented discoveries to flourish and modernize. The House of Wisdom has played a distinguished role in the history of the Middle Ages for it was a bridge that transmitted the ancient civilizations including the Islamic one to the west, as it was the departure of modern sciences. Historians have a major consent that thanks to the house of wisdom and other similar schools and libraries, the continuity of human civilization was preserved after the fall of Greek and Roman civilizations.

The foundation of Bayt al-Hikmah coincided with the rise of Baghdad as the capital of the Islamic world and the subsequent reception of Persian culture into the Arab court of the Abbasids. The site of Baghdad was chosen by the second Abbasid caliph, al-Manṣūr (reigned 754–775), to replace Damascus, whose status as the Umayyad capital had made it difficult for the new dynasty to fully uproot the one that it had overthrown in 750 ce. But Baghdad, located near the former Sasanian capital of Ctesiphon, was also in the heart of a predominantly Persian populace. Instead of repressing what remained of Sasanian society, al-Manṣūr absorbed it into the new bureaucratic structure and portrayed Abbasid rule as the revival of the Sasanian empire. Stories like this make me understand just why the belief system of Islam is considered to be ‘ok’ & not a problem to so many Westerners.

He’d had a hard time holding onto his faith after the horrors he’d witnessed, and hadn’t kept mitzvos since his childhood. Eventually, we gave up on trying to get into the official facilities, and instead, searched for elderly people living at home. We were their only visitors in a world gone silent, and they treasured each moment of our interactions. We’d been sent to visit hospitals and nursing homes, but they had strict regulations that prohibited any non-essential visitors. They wouldn’t even let us send food and care packages in, since at that time, it was widely believed that the virus could be passed through objects.

Through his Book of Knowledge of Ingenious Mechanical Devices he made invaluable contributions to the field of engineering. Instruction at the House of Wisdom included rhetoric logic, metaphysics, theology, algebra, geometry, trigonometry, physics, biology, medicine, and surgery, as documented by Artz. In 1258, the Mongol army ransacked the city of Baghdad and threw such a great number of manuscripts into the river Tigris that the waters ran black with ink.

Furthermore, linked to it were also astronomical observatories and other major experimental endeavors. Institutionalized by Al-Ma’mun, the academy encouraged the transcription of Greek philosophical and scientific efforts. Additionally, he imported manuscripts of important texts that were not accessible to the Islamic countries from Byzantium to the library. The House of Wisdom was much more than a library, and a considerable amount of original scientific and philosophical work was produced by scholars and intellectuals related to it.

Note that these works would later become standard textbooks of medicine during the Renaissance. With all other libraries in Baghdad, the House of Wisdom was destroyed by the army of Hulagu during the Siege of Baghdad. The books from Baghdad’s libraries were thrown into the Tigris River in such quantities that the river ran black with the ink from the books. Nasir al-Din al-Tusi rescued about 400,000 manuscripts which he took to Maragheh before the siege.

Wisdome LA: Arts District's immersive art and musical experience all housed in 5 huge domes

Table Of Content

• Baghdad's House of Wisdom: Uniting East and West to pursue knowledge
• Foursquare Heritage Center - McPherson Parsonage
• Ancient Egypt
• Baghdad’s Libraries Were So Impressive They Astonished European Scholars
• The Banning Museum
• Los Angeles CA Real Estate
• Nixon Birthplace at the Nixon Library and Museum

Patronage of the arts and sciences—and, of course, luxury—poured in not only from the caliph but also from the viziers and the other courtiers. Libraries of The Nizamiyyah School were somewhat similar to the House of Wisdom (Bayt al-Hikmah) for the former had had many facilities to offer for students, including student's scholarships and endowment professorship. The Nizamiyyah School libraries and Cairo libraries were reported to have their own binders, administrators, librarians and even guards, they have shared almost all supported by endowments from governments, caliphs and kings. The most interesting thing about the naming of house of wisdom is that all labels signify the same meaning that Bayt al-Hikmah was the place of all knowledge and wisdom to be found. Libraries represented new reality for Muslims and new passion towards the human knowledge and education (Mohammad Ali, 1980). The House of Wisdom (Bayt Al-Hikmah) was seen as one of the leading libraries in Islamic history that appeared during the Golden age of Islam.

Baghdad's House of Wisdom: Uniting East and West to pursue knowledge

The pursuit of knowledge became a dominant feature of Abbasid society, attracting scholars and scientists from all over Europe and the Middle East to take part in this cultural birthing, including Persians and Christians. Scholarly work, particularly translation, became a hugely lucrative career, and some scholars such as Hunayn ibn Ishaq were said to earn the weight in gold of each manuscript they completed. The stars and planets were perceived to influence events on earth and astrology was thus carried out with the greatest attention to detail.Al-Mamun had an astronomical observatory built with the intention of addressing the claims of one of the most dominant voices in the ancient world, Ptolemy. Better-known after its translation as the Almagest, the text initiated a flurry of research and commentary at the House of Wisdom which would last for centuries. It was in 1258 that the accomplishments of the House of Wisdom and the Islamic Golden Age were brought to a cruel halt. During the Mongol invasion of Baghdad under Hulegn, grandson of Genghis Khan, the mosques, libraries, homes and hospitals of the great city were all destroyed.

KBC 2023 Which city was home to the Home of Wisdom, one of the largest libraries in history, that was destroyed in 1258 by the Mongols? - Mapsofindia.com

KBC 2023 Which city was home to the Home of Wisdom, one of the largest libraries in history, that was destroyed in 1258 by the Mongols?.

Posted: Thu, 19 Oct 2023 07:00:00 GMT [source]

Foursquare Heritage Center - McPherson Parsonage

These captivating pieces of art are very photogenic, and it’s a good thing to do with some friends or a date. Our new series, Tsawwar, explores places, people and moments in time through the eyes of photographers and their photos. Ibn al-Haytham built the first camera obscura, making huge discoveries in the areas of optics and visual perception. He was the first to understand and explain the theory of vision, arguing that it occurs in the brain. Figures such as Isaac Newton and Galileo Galilei frequently cited him in their own work.

Sharjah’s House of Wisdom launches new courses in Spanish and Japanese - Gulf News

Sharjah’s House of Wisdom launches new courses in Spanish and Japanese.

Posted: Sat, 05 Aug 2023 07:00:00 GMT [source]

Ancient Egypt

Later, he added numerous other study centres to allow more scholars to pursue their research, and an observatory in 829. Abu Yusuf Ya‘qub ibn Ishaq Al-Kindi was also another historical figure that worked at the House of Wisdom. Al-Kindi is the most famous for being the first person to introduce Aristotle’s philosophy to the Arabic people.

This library was remarkably well organized, having separate rooms for copiers, binders, librarians, and an astronomical observatory. Mahmud Ahmad Derwich has found a suitable architectural planning for Bayt al-Hikmah through his studies on the golden castle constructed by Al-Mansur. The house of wisdom composed of a yard surrounded by halls of two floors from its four sides, it was headed by a penthouse on a row of pillars. In the middle of every side among the four sides of the yard there were halls topped by semi-cylindrical dome of 25 cubit.

During this time, Sahl ibn Harun, a Persian poet and astrologer, was the chief librarian of the Bayt al-Hikma. Hunayn ibn Ishaq (809–873), an Arab Nestorian Christian physician and scientist, was the most productive translator, producing 116 works for the Arabs. As "Sheikh of the translators," he was placed in charge of the translation work by the caliph. Hunayn ibn Ishaq translated the entire collection of Greek medical books, including famous pieces by Galen and Hippocrates.[28] The Sabian Thābit ibn Qurra (826–901) also translated great works by Apollonius, Archimedes, Euclid and Ptolemy. Maktabs soon began to develop in the city from the 9th century on and, in the 11th century, Nizam al-Mulk founded the Al-Nizamiyya of Baghdad, one of the first institutions of higher education in Iraq.

The Banning Museum

The goal of Ancient Origins is to highlight recent archaeological discoveries, peer-reviewed academic research and evidence, as well as offering alternative viewpoints and explanations of science, archaeology, mythology, religion and history around the globe. Compared to its surroundings, Baghdad was a major center for the spreading knowledge in the areas of Arts, Science and Philosophy. This created a path to facilitate the sharing of ideas and wealth necessary in order to invest in the continuous expansion of this institution. People from all over the Muslim civilisation flocked to the House of Wisdom – both male and female of many faiths and ethnicities. A couple of years later, when Getzel was in the hospital for the final months of his life, we continued to visit often.

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The research historically analyses the civilizational role of Bayt Al-Hikmah that has remarkably adapted the intellectual richness to serve scholars, scientists and worldwide thinkers. The House of Wisdom flourished under al-Ma’mun’s successors al-Mu’tasim (r. 833 – 842) and his son al-Wathiq (r. 842 – 847), but considerably declined under the reign of al-Mutawakkil (r. 847–861). Although al-Ma’mun, al-Mu’tasim, and al-Wathiq followed the sect of Mu’tazili, which supported mind-broadness and scientific inquiry, al-Mutawakkil endorsed a more literal interpretation of the Qur’an and Hadith. The caliph was not interested in science and moved away from rationalism, seeing the spread of Greek philosophy as anti-Islamic.

Bayt al-Hikmah served as an arm of the caliphal bureaucracy and appears to have been modeled on an earlier Sasanian practice. Persians in the early Islamic era, writing in Arabic, indicated that buyūt al-ḥikmah (literally “houses of wisdom”) followed in the fashion of Sasanian nobility. Middle Persian literature also refers directly to the storage of books pertaining to Zoroastrian religion, Sasanian dynastic history, and scientific knowledge for medical and administrative purposes. The storage space was called a ganj (“treasury”), a term equivalent to the Arabic khizānah.

The main hall leads to a square shape room above it there was a big dome with 80 cubit high, the main hall also has a statue of knight holding a spear that spins with the spear. Besides their translations of earlier works and their commentaries on them, scholars at the Bayt al-Hikma produced important original research. For example, the noted mathematician al-Khwarizmi worked in al-Ma’mun’s House of Wisdom and is famous for his contributions to the development of algebra. He was known as a mathematician and an astronomer in the House of Wisdom, and is also known for his book Kitab al-Jabr in which he develops a number of algorithms.

Jonathan Lyons shows just how much “Western” ideas owe to the Golden Age of Arab civilization. Muslims learned how to make paper from the Chinese, and proceeded to transform this art into a major industry. This was a revolutionary development because the existing alternatives to paper were papyrus, which was fragile, and parchment, which was expensive; paper, on the other hand, was relatively cheap. This mass availability of paper enabled Muslims to commit vast amounts of translations and original research to paper; as a result, libraries and bookstores became a common sight in Baghdad, and soon spread to other Muslim cities. Some records stated that, in order to encourage translators and scholars to add works in Arabic to the library, al-Ma’mun would pay them the equivalent weight of each complete book in gold. Undoubtedly, much knowledge about the past would have been lost if not for the continuous works of translation conducted in the House of Wisdom.

From its establishment in the 8th century by the Abbasid Dynasty, Baghdad became a scientific and cultural intellectual center at the heart of scientific development and innovation. Some modern day objects that we take for granted, such as the camera, soap, watches, and cologne trace their roots back to this era. Inventions by scholars of the time also laid the foundations for technologies – such as windmills and robotics – that now define modern life.

And the same as the house of wisdom in Baghdad functioned, ten libraries were through endowments (awqaf). He interestingly expressed his admiration for about the lending policies of the libraries there, he noted that libraries in Merv were being liberal enough to lend him more than 200 volumes he could use in his room at the same time. Then in the the 12th century, Toledo in Andalucia (Muslim Spain) became the focus of another huge translation effort – this time from Arabic to latin. Arabic works and translations of important ancient Greek texts came to light, and Christian, Jewish and Muslim scholars flocked to the city to translate ancient Greek and Arabic treaties to Latin and then into European languages. Some of Baghdad’s most famous Caliphs including Al-Rashid and Al-Ma’mun had taken a personal interest in collecting global, ground-breaking scientific works.

The application of the word “algebra” to mathematics and the etymology of the word “algorithm” can be traced back to al-Khwarizmi — the actual concept of an algorithm dates back before the time of Euclid. The term ‘algorithm’ is derived from a Latin version of al-Khwarizmi’s name which is ‘Algorithmus’. He was instrumental in introducing the Arabs to Hindu numerals and algebra so he is known as “The Father of Algebra”.

As one of the world’s biggest and richest cities at the time, Baghdad had wealth that went far beyond money. For more than two centuries, it was home to the House of Wisdom, an academy of knowledge that attracted brains from far and wide. From mathematics and astronomy to zoology, the academy was a major centre of research, thought and debate in Muslim Civilisation. Under al-Mamun’s leadership science saw for the first time wide-ranging research projects involving large groups of scholars. In order to check Ptolemy’s observations, the caliph ordered the construction of the first astronomical observatory in Baghdad (see Observatories section below). The data provided by Ptolemy was meticulously checked and revised by a highly capable group of geographers, mathematicians and astronomers.

Neutra ran his architectural from the original house from 1932 until a fire destroyed most of the main building in 1963. The Research House was rebuilt with the most modern materials and design adaptations by Neutra and his son Dion in 1966. There is also a Garden House on the property that was occupied by Dion Neutra and his family. Tours of the VDL House are conducted on Saturdays by architecture students from Cal Poly Pomona. Muhammad ibn Musa al-Khwarizmi was a Persian scholar who published seminal works across mathematics, astronomy and geography and in 820 CE was appointed as the astronomer and head of the library of the House of Wisdom. He was the first to demonstrate how to solve algebraic quadratic equations and is widely seen as the father of algebra.

Mortgage Calculator with PMI and Taxes

Table Of Content

• How to calculate amortization with an extra payment
• Sky News Services
• Why Does My Mortgage Keep Going Up? Factors That Can Change Your Monthly Mortgage Payments
• Best Mortgage Rates
• Conforming loans vs non-conforming loans
• How to calculate mortgage payments

The reason most lenders require a 20% down payment is due to equity. If you don’t have high enough equity in the home, you’re considered a possible default liability. In simpler terms, you represent more risk to your lender when you don’t pay for enough of the home. Additionally, some lenders have programs offering mortgages with down payments as low as 3% to 5%. The table below shows how the size of your down payment will affect your monthly mortgage payment.

How to calculate amortization with an extra payment

The purpose of any mortgage amortization calculator is to show you just how much interest and how many months of payments you can save by putting some more money onto your principal payment. Generally, you’re better off using a mortgage calculator to calculate your mortgage payment because it’s difficult to input the formula properly in a regular calculator. If you’re buying a home, you’ll want to put in the price of the homes you’re looking at and subtract your down payment. If you’re far enough along, you may be able to also add any costs being built into the balance. For a refinancing (sometimes referred to as a "refi"), include the expected balance after you close.

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Even if you don’t, you still need to include this as a homeownership expense. While it’s largely dependent on market factors outside of your control, your interest rate has a huge impact on what your monthly mortgage payments will be. Remember, the majority of your mortgage payments at first will go toward paying interest. Your monthly mortgage payment breaks down into a variety of financial components, including your loan amount, interest rate, loan term and other factors. When you make your monthly mortgage payment, part of your payment will go toward interest and the rest will be applied to the principal.

Why Does My Mortgage Keep Going Up? Factors That Can Change Your Monthly Mortgage Payments

If you buy a home in such a community, you will have to pay homeowner's association fees. The amount depends on the community in which you live, but the fees can be $100 to $200 per month. You can think about refinancing (if you already have a loan) or shop around for other loan offers to make sure you’re getting the lowest interest rate possible. 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.

Best Mortgage Rates

Let’s learn more about how a mortgage calculator works, and the different factors it uses to determine your monthly mortgage payments. If other fees are rolled into your monthly mortgage payment, such as annual property taxes or homeowners association dues, there may be some fluctuation over time. Yes, the manner in which monthly mortgage payments are calculated for conventional loans is the same for government-backed mortgages such as FHA loans, VA loans, and USDA loans. Early mortgage payoff can be a great way to reduce debt and own your home sooner rather than later.

They can be either fixed, staying the same for the mortgage term or variable, fluctuating with a reference interest rate. Aside from paying off the mortgage loan entirely, typically, there are three main strategies that can be used to repay a mortgage loan earlier. During this time, you will have to pay for the down payment agreed upon, other closing costs, and sign the papers of your mortgage agreement. Some of the closing documents you can expect include the closing disclosure, the promissory note, the deed of trust, and the certificate of occupancy.

Using a mortgage calculator takes the guesswork out of the formula and can help you calculate your mortgage payments much faster. There are several types of mortgage calculators, so it’s important to understand the purpose of each one so that you can be sure you’re using the right one for your needs. There are two ways to go about calculating a monthly mortgage payment. You can go old-school and figure it out using an equation, or you can use a mortgage payment calculator.

Your lender then pays your taxes on your behalf at the end of the year. The amount may fluctuate if your county or city raises the tax rate or if your home is reevaluated and increases in value. Your payment varies depending on how much you borrow, the interest rate, and the length of your loan. Other factors also need to be taken into consideration, such as property taxes, homeowners insurance, and your PMI, all of which are included in your monthly house payment.

Michigan Mortgage Calculator - The Motley Fool

Michigan Mortgage Calculator.

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

This house payment calculator estimates the monthly payment on your mortgage loan by considering the amount borrowed, term and interest rate plus taxes & PMI. There is in depth information on how to figure out the level of the total out of pocket you will regularly pay below the tool. Your estimated annual property tax is based on the home purchase price.

There are a variety of low-down-payment options available for home buyers. You may be able to buy a home with as little as 3% down, although there are some loan programs (such as VA loans and USDA loans) that require no money down. Short-term mortgages offer less protection against changing interest rates because you need to renew them more frequently.

The buyer cannot be considered the full owner of the mortgaged property until the last monthly payment is made. In the U.S., the most common mortgage loan is the conventional 30-year fixed-interest loan, which represents 70% to 90% of all mortgages. The following Mortgage Payment Calculator will help determine your monthly mortgage payments based on home price, down payment, mortgage interest rate, and term of the mortgage. Our calculations include principal, interest, property taxes, homeowner’s insurance, HOA fees, and mortgage insurance premiums (PMI). It is essential for you to determine whether you want a shorter mortgage or a longer mortgage.

A mortgage is an agreement between you and the company that gives you a loan for your home purchase. It also allows the lender to take the house if you don’t repay the money you’ve borrowed. A mortgage term is the length of time you have to repay your mortgage loan. If your mortgage pre-approval is set to expire before you’ve completed the home-buying process, this does not mean you have to start the pre-approval application process from square one. The calculator also allows you to easily change certain variables, like where you want to live and what type of loan you get. Plug in different numbers and scenarios, and you can see how your decisions can affect what you’ll pay for a home.

Mortgage Calculator: PMI, Interest, Taxes and Insurance

Table Of Content

• How does your debt-to-income ratio impact affordability?
• Conforming loans vs non-conforming loans
• Amortization Schedule

Since property taxes are often built into your mortgage payment, having a fairly accurate estimate will help you get a better picture of cost. Regardless of whether you have an escrow account, these need to be accounted for as a cost of ownership. Certain government-backed options like Federal Housing Administration (FHA) loans, Department of Veterans Affairs (VA) loans and those from the U.S. Depending on your down payment amount, mortgage insurance premiums may be built into the calculations. The process of spreading your interest and principal payments over time is called amortization.

How does your debt-to-income ratio impact affordability?

Estimated monthly payment and APR calculation are based on a down payment of 25% and borrower-paid finance charges of 0.862% of the base loan amount. If the down payment is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Estimated monthly payment does not include amounts for taxes and insurance premiums and the actual payment obligation will be greater. Mortgage lenders will require you to carry homeowners insurance to protect their investment. If you have an escrow account, the overall premium is split into monthly payments.

Conforming loans vs non-conforming loans

In the beginning, most of your monthly payments will go toward interest. But over time, more and more of your money will go toward principal. Mortgage loan terms can vary, but most borrowers choose either a fixed-rate 15-year or 30-year mortgage.

Amortization Schedule

Georgia Mortgage Calculator - The Motley Fool

Georgia Mortgage Calculator.

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

Now that you have the pre-approval letter, you can begin your house search. To make the process easier and faster, consider hiring a real estate agent to help you search for your dream home. Through their connections, real estate agents can give you access to houses that might not be easy to find on your own. Moreover, they can save you time by narrowing down the search and looking for houses that meet your specific needs. Before starting your search for a house, the first step is to get a mortgage pre-approval.

There are also private reverse mortgages, which are issued by private lenders. Ultimately, the house you can afford depends on what you’re comfortable with—just because a bank pre-approves you for a mortgage doesn’t mean you should maximize your borrowing power. If you’re ready to have a conversation about your mortgage options, a professional mortgage loan officer is just a phone call or an email away.

The fees cover common charges, such as community space upkeep (such as the grass, community pool or other shared amenities) and building maintenance. A financial advisor can aid you in planning for the purchase of a home. To find a financial advisor who serves your area, try SmartAsset's free online matching tool.

When you’re ready to buy a home, a higher down payment can save you money in the long run. If you plan to buy in the near future, setting money aside now can only help. If you’re ready to take this next step, and begin the home buying process, you can start your mortgage application online with Rocket Mortgage® today.

While conventional lenders may charge this type of fee, prepayment penalties are illegal for FHA, VA, and USDA loans. This week we reported that high street lenders such as Halifax, TSB, NatWest, Barclays, Leeds Building Society, HSBC and Coventry had all hiked mortgage rates. In variable rate loans, the interest rate may change based on indices such as inflation or the central bank rate (all of which are usually in movement with the economy). The most common financial index that lenders reference for variable rates is the key index rate set by the U.S. It is possible that a calculation may result in a certain monthly payment that is not enough to repay the principal and interest on a loan.

NatWest says its mortgage lending nearly halved at the start of the year as it retreated from parts of the market when competition among lenders stepped up. Her charity has also been affected by those increased costs, with the electricity bill rising to £10,000 a month at their highest, to fund things like heated pools for alligators. The Money blog is your place for consumer news, economic analysis and everything you need to know about the cost of living - bookmark news.sky.com/money. The next Bank of England decision on rates comes on 9 May - and pretty much no one is expecting a cut from the 16-year high of 5.25% at that stage.

Conforming loans have maximum loan amounts that are set by the government and conform to other rules set by Fannie Mae or Freddie Mac, the companies that provide backing for conforming loans. A non-conforming loan is less standardized with eligibility and pricing varying widely by lender. Non-conforming loans are not limited to the size limit of conforming loans, like a jumbo loan, or the guidelines like government-backed loans, although lenders will have their own criteria. Our partners cannot pay us to guarantee favorable reviews of their products or services. At last month's budget, the chancellor announced NI will be cut by a further 2p - so some workers will pay 8% of their earnings instead of the 12% if was before autumn. The group, which includes Royal Bank of Scotland and Coutts, also reported an operating pre-tax profit of £1.3bn for the first quarter, down 27% from £1.8bn the previous year.

While conventional mortgage lenders are not required to collect property taxes, FHA lenders require all their borrowers to include the property taxes into their mortgage payments. Use Zillow’s home loan calculator to quickly estimate your total mortgage payment including principal and interest, plus estimates for PMI, property taxes, home insurance and HOA fees. Enter the price of a home and down payment amount to calculate your estimated mortgage payment with an itemized breakdown and schedule. When calculating a new mortgage where you know approximately your annual taxes and insurance, this calculator will show you the monthly breakdown and total. This is a good estimate; when keeping taxes and insurance in an escrow account the payment charged by your financial institution could be different.

Pre-approval is extremely useful in getting an advantage over other buyers as it shows the seller that you have financing available. This can help you during closing and shorten the process for you and the seller of the home. Check out how much you can get pre-approved for using our pre-approval calculator.

You use the lower base mortgage rate because your monthly payment doesn’t reflect closing costs. Knowing APR is still useful, but the context of the overall cost of the loan as opposed to monthly expenses is key. Just like you have to carry insurance for your car, you have to carry insurance for your home. This protects you and the lender in case of a fire or other catastrophic accident. Most lenders allow you to include your property insurance in your monthly mortgage payment. Just like with PMI, the monthly amount is put into an escrow account, and the bill is paid on your behalf.

The process of getting pre-approved for a mortgage will determine how much a lender is willing to lend you. Based on this amount, you can determine the range of home prices you can afford. 1) Smaller amount borrowed – By making a large down payment, it means that you are paying for 20% of the house’s price yourself.

Payment calculator is a tool to calculate the monthly payment for any loan or debt. The payment calculator generates an amortization schedule that shows your payment details such as the interest and remaining balance. In a spreadsheet, show the first payment in row one, the interest payment in one column, the principal payment in the next column and the loan balance in the last column. In general, most homebuyers should aim to have 20% of their desired home price saved before applying for a mortgage. Being able to make a sizable down payment improves your chances of qualifying for the best mortgage rates. Your credit score and income are two additional factors that play a role in determining your mortgage rate and, therefore, your payments over time.

Sustainable Design Practices: A Must-Have in 2024 by Sam Taylor Brave People Tribe

Table Of Content

• Carbon Footprint Reduction
• The Best Green Architects in Los Angeles, California
• Keep the product life cycle in mind
• Is a plastic-free future possible?
• Business perspectives
• Water Conservation Features
• LCA and Product Life

We struggle to reconcile our concern for planet Earth and society with the work that we do. Through this work we have come to understand that we need to redefine the narrative on sustainability and the role it plays in our profession. I wanted to know what circularity looks like when designing a home—and when manufacturing products for home design. To find out more, I asked Laura Hodges, an interior designer with an eponymous boutique design firm and retail shop, Domain, in the Baltimore/Washington, DC area, to share with me how her design firm approaches the idea of circularity when working with clients.

Carbon Footprint Reduction

Sustainable design is not just using recycled paper for packaging or reducing the total amount of packaging… but those certainly are components of sustainable design. The goal is to lessen and ideally, eliminate humans’ dependence on natural resources like oil, water, coal and air. It’s more than packaging made of recycled materials and using less plastic; it’s everything from how an electronic device is wired to products being built to last, rather than built to be replaced when they become obsolete. These case studies underscore how sustainable design can reshape industries, inspiring businesses and individuals. By embracing innovative approaches and integrating sustainability into core practices, organizations can drive positive change while reaping benefits far beyond the bottom line.

The Best Green Architects in Los Angeles, California

You can also claim certain tax deductions by choosing electric vehicles for your company fleet and purchasing renewable energy-producing equipment for your office. Check your country’s tax code and government incentives to find out what you qualify for, if anything. It also includes opting for sustainably sourced materials and packaging items and components efficiently, so you’re using less packaging overall. Design with an enduring aesthetic and functional appeal, promoting product longevity, reducing waste, and discouraging a culture of disposable consumption. The Green Web Foundation built a checker to help you quickly find out if your hosting provider is using green energy or compensating for its services. If you want to make the switch to a green hosting provider, the foundation also published a directory of 478 green hosting companies in 35 countries.

Keep the product life cycle in mind

Our recent analysis proves that sustainable growth requires a new approach. The practice of adaptive reuse relies on employing old materials to build a modern home. "There are practical and emotional wins where this is concerned," Glaister says. Instead of building new homes from the ground up, repurposing older structures for new use is an emerging trend with no sign of slowing down. "Designers and builders alike are finding that keeping buildings with 'good bones' is more beneficial than starting from scratch," says Glaister.

Is a plastic-free future possible?

Sustainable water technologies have become an important industry segment with several companies now providing important and scalable solutions to supply water in a sustainable manner. The toxic components of household products pose serious health risks and aggravate the trash problem. Unlike changing out your lightbulbs, it’s not something that will happen overnight.

KCAD's Wege Prize High School Collaborative Studio Accepting Applications for Free Summer 2024 Workshop ... - Ferris State Torch

KCAD's Wege Prize High School Collaborative Studio Accepting Applications for Free Summer 2024 Workshop ....

Posted: Thu, 11 Jan 2024 08:00:00 GMT [source]

Business perspectives

The playbook is set to provide guidelines, best practices, and examples to help you and your team adopt an environmentally-centered design approach. The methods section is an archive of tools, resources, case studies, and expert advice that can be used to educate a team, as well as kickstart a team into sustainable environmental practices. Some designers and gardeners such as Beth Chatto also use drought-resistant plants in arid areas (xeriscaping) and elsewhere so that water is not taken from local landscapes and habitats for irrigation. Water from building roofs may be collected in rain gardens so that the groundwater is recharged, instead of rainfall becoming surface runoff and increasing the risk of flooding.

According to an analysis done by Carbon Brief, of the 504 extreme weather events studied from the past 20 years, 71% were more likely or made more severe by human-caused climate change. Leaders who integrate sustainability into their corporate strategies can unlock shared value for both their business and society. There’s a lot to be said for relying on natural light whenever possible, and smart window coverings make it a lot easier to do just that, enabling a "set-it-and-forget-it" approach. Another little-known fact is that natural materials are among the most durable and easy to care for, even when compared to performance fabrics and stain-resistant textiles.

Sustainable Materials

Make it known that you’re one of the brands working toward a more eco-conscious future to connect with similar-minded investors. In non-digital scenarios, using less energy often means designing a motor or mechanism that literally uses less power than other designs. In others, it means creating something that’s built to last, so fewer items ultimately need to be manufactured. You might be surprised to learn that sustainable design even extends to web design. Every data transmission uses electricity, and in many cases, that electricity is powered by coal and emits co2. Create designs that accommodate diverse needs, fostering equality and social inclusivity by ensuring that spaces and products are accessible to everyone.

Several fundamental principles of sustainable architecture include energy efficiency, water conservation, sustainable materials, biodiversity, indoor environmental quality, and adaptability and flexibility. There are also several challenges to implementing sustainable design, including cost, lack of awareness, regulatory barriers, limited access to financing, and limited availability of skilled professionals. This requires interior designers to make ethical design choices and include environmental concerns into their work, as interiors and the environment are closely intertwined. LikeMindedObjects founder and designer Elise McMahon anticipates a rise in the use of obviously recycled materials in products, interiors, and buildings.

In this article, you will learn about a few ways the home improvement industry approaches sustainability in its practices and how you can get involved, too. The future home of Dan Brunn is the Bridge House—a 4,500-square foot rectangular structure that stretches over a creek in Los Angeles’s historic Hancock Park. According to Brunn, the home will “serve as a demonstration of innovative systems and forward-thinking processes.” The Bridge House will be net-zero, using solar panels on the whole of its roof to generate power. It will also use BONE Structure, which is essentially a life-sized erector set with posts and beams fabricated at a factory, delivered to the site, and assembled using screws.

After all, this emphasis on sustainability can mean big things for your reputation, your customer perception, your bottom line, and—most importantly—our planet. You should also keep your packaging as lean and streamlined as possible—as you’d likely guess, packaging a small item in a large box isn’t particularly eco-friendly.

Attention Required! Cloudflare

Table Of Content

• Interior Design Faculty
• College of the Canyons
• Los Angeles Mission College
• University of Wisconsin-Madison
• Online Interior Design Degree Requirements
• Master's In Interior Design Careers

These topics become more challenging as you progress through the degree program. This helps you steadily develop your skills and acquire advanced tools for your career. As with any career, though, your earnings often come down to how hard you work and how good you are at your job. If you get the proper education, training, and experience on which to build your career, the sky is the limit for your earning potential.

Seven interior design courses on Dezeen Courses - Dezeen

Seven interior design courses on Dezeen Courses.

Posted: Thu, 09 Mar 2023 08:00:00 GMT [source]

Interior Design Faculty

Completing an online interior design certification requires up to one year for a certificate, four years for a bachelor’s degree, and an extra two years for a master’s degree. Master’s degree programs tend to expand on these foundational courses by adding more focused classes like sustainable materials, using advanced software and technology, and modern interior design techniques. Continuing education for interior design comes in many forms, making it easy for students to find a path that works best for them. These degrees cover advanced subjects and let employers and clients know these professionals are committed to the discipline.

College of the Canyons

Berkeley College stands out for its small online class sizes (with a maximum of 15 students), emphasis on real-world problem-solving, and options for you to participate in design research. Likewise, you’ll have the opportunity to complete an internship for credit. The online bachelor’s degree interior design from the Interior Designer’s Institute exemplifies both aesthetics and innovation.

Los Angeles Mission College

If you benefit from the structure and real-time engagement offered by in-person classes, opt for a more traditional degree program. This guide provides an overview of the two online Ph.D. in marketing programs that meet our ranking criteria, which includes credibility, affordability, student outcomes and student experience. NYSID's online programs and classes are all about convenience and flexibility without sacrificing any of the academic rigor of an onsite class.

University of Wisconsin-Madison

Learn about the changes that have taken place, as well as the different funding opportunities available to online students. Earning an online degree in interior design can lead to many new career opportunities. Samford University first began holding classes in 1841 as a private Christian institution.

How a new generation of designers is teaching (and earning) online - Business of Home

How a new generation of designers is teaching (and earning) online.

Posted: Wed, 26 Aug 2020 07:00:00 GMT [source]

This 30-credit program will help students develop a deeper understanding of design strategies and research through fully-online classes and two virtual weekend intensives. Distance learners will experience the same rigorous curriculum provided on campus and learn from instructors with professional experience in the field of interior architecture. The comprehensive curriculum covers essential topics, including design strategies for interior and research methods. Students are required to complete two theses, and during the third semester, they will need to complete a guided research project that includes an intensive on-site component. The American Society of Interior Designers also offers awards and scholarships to designers who are engaged in service.

Rhode Island School of Design

This type of training is necessary to create beautiful spaces for your clients rooted in effective design principles. However, unlike interior decorators, interior designers receive a much more technical education. Below you will find helpful information related to what you can expect to experience while earning an online graduate degree in interior design from an accredited college or university. While no two programs are exactly alike, many of the top programs in this field share some common components. In addition to coursework, interior design students complete hands-on projects and build a portfolio.

There is a mandatory 9-day residency that begins each semester on the Plainfield, VT campus, or the sister campus at Port Townsend, Washington. Whether or not an interior design degree is worth it depends on factors like your personal career goals, how much your degree will cost, and what kind of job you plan to get afterward. If your dream is to become an interior designer, then a bachelor's in your field will likely be worth it. Students in an interior design program will take online courses in general education requirements such as English and social sciences and electives based on their personal and professional interests. Students often need to complete an internship where they work for an interior design or architecture firm to gain real-world experience in their field.

However, because of the small number of these programs available, we have decided to include for-profit institutions in this article. Master's in interior design programs may receive programmatic accreditation from the Council for Interior Design Accreditation (CIDA). CIDA currently recognizes 195 bachelor's and master's in interior design programs, including online degrees and programs outside of the United States. Additionally, students should ensure the school they select has received regional or national accreditation from authorized accrediting agencies. The U.S. Department of Education and the Council for Higher Education Accreditation both maintain full lists of recognized accreditors.

Having the ability to attract high-end customers will greatly affect the amount of money you can make. The NYIAD offers an online Interior Design Course that will prepare students to be successful professional interior designers. The curriculum covers design history and trends, fabrics and furniture styles, lighting and color theory. Included is over 13 hours of HD video programming that will enable students to master the necessary skills to get the most out of any space, led by professional designers and industry leaders. Students will also learn about contracts and pricing as well as scheduling and purchasing.

The sliding bar under each statistic represents how that school compares to other schools in the United States. At SCAD, you can benefit from the school’s high-tech resources, creative consultancy and corporate partnerships. This website is using a security service to protect itself from online attacks. There are several actions that could trigger this block including submitting a certain word or phrase, a SQL command or malformed data. AffordableCollegesOnline.org is committed to delivering content that is objective and actionable. To that end, we have built a network of industry professionals across higher education to review our content and ensure we are providing the most helpful information to our readers.

Some online programs have internship or project requirements that may require in-person participation. You can get a master’s in interior design online, including an MA, MS and MFA in interior design. Since its founding in 1918 as a teacher’s college, Ball State University in Muncie, Indiana has expanded to offer more than 200 majors and minors, including over 100 online programs.

The Oar House in Santa Monica, circa mid-1970s Steve of Upland

Table Of Content

• Seafood Stuffing
• Lobster Mac & Cheese
• Caribbean Grilled Swordfish GF)
• Nick’s Boathouse
• View Menu

Now the site offers beachfront seating, Caribbean-inspired entrees and a myriad of drink options to go along with the park’s ropes courses, zip trails, go-karts and more. You won't be surprised to find that The Crab Trap is a waterfront fish house on the Gulf of Mexico, but that should be the exact reason to grab your family or friends and head over. At The Crab Trap, you'll find a boardwalk leading down to the water, rustic Florida décor, great views of the Gulf and a playground for the kiddos.

Seafood Stuffing

A rambling building a group of hyperactive airline pilots took over sometime in the mid-Sixties and filled with bizarre crap they picked up in their travels all over the world. It was their playground and it was open to the public.

Lobster Mac & Cheese

Tortilla chips, prepared in house, served with your choice of Caribbean Salsa or Jalapeño Queso sauce. Plump shrimp breaded in our special blend of seasoned flour, flash fried and topped with our St. Thomas Boom-Boom sauce. You don't need to sit out on the patio to catch a sweltering Gulf of Mexico sunset, thanks to the window-heavy design of the Beach House Social dining room. The space was renovated in 2023 to bring the best of elevated, coastal cuisine. The menu highlights fresh, local ingredients, from the fresh Gulf fresh to the fruit juices in the cocktails. The Oar House is located in Portsmouth's Olde Harbour area, which in the late 1700s and early 1800s was a thriving seaport.

Caribbean Grilled Swordfish GF)

It's a great place to catch the post-game fireworks at the Blue Wahoos Stadium. Jaco's Bayfront is strictly food and views, and it does both well. Overlooking Pensacola Bay, diners can get a glimpse of the sun as it sets behind Blue Wahoos Stadium, right at the end of South Palafox Street. And thanks to the Pensacola area's growing foodie scene, you're not going to be stuck choosing between chicken fingers, steak or seafood while you soak in the scenery.

Served on a toasted po-boy roll with shredded lettuce and fresh sliced tomatoes. Served with shrimp, toasted almonds, mandarin oranges, feta cheese, and red onions. Juana's is Navarre's oldest family owned restaurant and bar, and is still a favorite hangout spot for locals and tourists alike. At Juana's, you can dance to live music, play a game of sand volleyball and take a ride on a jet ski all in one day. There are plenty of areas to overlook the Santa Rosa Sound, whether it be on the Sailors' Grill deck or the climate-controlled Schooner Bar. Established in 1964, the Flora-Bama Lounge is known beyond Florida as one of the top beach bars and is uniquely located on the Alabama-Florida line between Orange Beach and Perdido Key.

Nick’s Boathouse

We would recommend it and definitely order it again. Slow roasted top round of beef, cooked in-house and sliced thin. Heated in our homemade au-jus piled high on a po-boy roll, topped with Swiss cheese and served with au-jus for dunking.

Land trust gets extension to fund purchase of Oar House property - The Florida Times-Union

Land trust gets extension to fund purchase of Oar House property.

Posted: Thu, 09 Dec 2021 15:22:38 GMT [source]

The restaurant focuses on offering unique flavors using the finest in-season ingredients available. Prepared grilled or blackened and served with rice, broccoli & carrot medley, and hushpuppies. A creamy chicken salad with dried cranberries & pecans.

Fried Calamari

Drift offers a casual fine dining experience from the second story of the building that also houses the Casino Beach Bar and Grille, one of its sister restaurants. The more upscale establishment offers a beautiful, panoramic view of the Gulf of Mexico. Served with cherry tomatoes, cucumber, Bermuda onion, and shredded cheese blend. Marinated chicken breast blackened or grilled to perfection on our chargrill, served on a fresh bun with lettuce, tomato, and onion. Grilled or blackened fish filet served on a fresh bun with lettuce, tomato, and onion.

Grab drinks and a view on The Deck, or head inside for elevated dining. Oar Folk staffer Trehus took over the site and renamed it Treehouse in 2001, and for nearly two decades the site remained a hub for Twin Cities collectors and musicians. In 2017, however, Trehus decided to close his record shop and lease the space out to a more lucrative business. “Patrons were as mixed as the musical selections.

The storefront has rather infamously sat empty for five years with a giant, old Paul Wellstone campaign poster board sitting in the window. Members of that band and many others regularly hung out there and at the kitty-corner dive bar CC Club in the late 1970s and '80s, also including Hüsker Dü, the Suburbs and Suicide Commandos. Besides the phonetically inviting name, the place itself looked like a TGI Fridays that had exploded, and all the chairs and antiques had stuck to the walls and ceiling.

Swanson said she has been planning for the store for several years now and building up inventory and a game plan. One of her chief goals for the store is to be more inclusive to women and genderfluid music lovers "because so many times you go into a record store, and it's all men in there," she said. Made with a delicious blend of onions, green peppers, celery, spices, and crawfish. Flounders promises on a unique and interesting experience – with good food – and it’s a promise they deliver on. As soon as you walk under the remnants of an old Pensacola Beach sign marlin, you know you’re in for a good time. Other notable items inside and outside the restaurant is the 55-foot M/V Flounder ship, a 980-pound blue fin marlin and tons more.

All fried baskets served with your choice of cheese grits or french fries, hushpuppies, and coleslaw. White, flakey, hand-cut fish breaded in our special blend of seasoned flour and flash fried to a golden brown. Laguna’s isn’t just a restaurant, it’s a whole experience. The park, formerly known as Premier Adventure Park, added its Caribbean restaurant and tiki bar in 2020 when it rebranded itself as Laguna’s.

Windjammers is designed to be a local slice of paradise, with the phrase "come for the food, stay for the views" as its motto. The restaurant is positioned on the Navarre Beach fishing pier that spans 1,545 feet long and stands 30 feet above the water, perfect for securing a sunset view. While the restaurant specializes in fresh seafood, like the Gulf shrimp po'boy and redfish tacos, it also offers a wide variety for land-lovers, like the waygu pier burger and marinated steak tacos. A generous portion of Mahi-Mahi served on a fresh bun with lettuce, tomato, and onion. Grouper filet grilled or blackened served on a fresh bun with lettuce, tomato, and onion.

In December 1802, 120 buildings burned in Portsmouth's most disastrous fire, including the wooden mercantile structures that occupied the restaurant site. The citizens of Portsmouth rebuilt almost immediately, in the early months of 1803, using brick to eliminate future fire hazards. The buildings on Ceres Street, including the one now occupied by the Oar House, were constructed at this time. Red beans cooked with smoked shanks and smoked sausage, onions, celery, and Cajun spices.

Where can you find live music, amazing views and games? There are a huge number of restaurants that offer breathtaking waterfront views in Escambia and Santa Rosa counties. In the end, Trehus said, "I am thrilled that someone wants to keep a record store in that spot." "My initial thought was that the neighborhood had become so gentrified that a record store would not be able to justify the rent I was going to need to semi-retire on," he said. "Michele was very persistent in insisting that she wanted the spot, and we worked something out." We had dinner here and ordered the stuffed lobster.

Casino Beach Bar and Grille sits right on top of Pensacola Beach, with its sugar-white sands that lead right up to the restaurant. This is the place to go if you want to experience the sights and sounds of the Gulf of Mexico, island vibes and live music. Aside from a stint working for Musicland in her teens — and being an avid music collector and concertgoer — Swanson has no experience running a record store. She worked in management for Delta Air Lines for many years; her love of traveling to Japan turned her onto the storefront "lucky cat" statues that inspired her store name. Former Treehouse owner Mark Trehus, who still owns the building, is leasing out the storefront to a local music fanatic who said she believes "the history of the space should live on."