Oliver S. Berryhill Blogs: September 2016

Thursday, September 29, 2016

Autumn Hiking and Backpacking Gear List Extras

The Grey by Westland – Ultra Luxury West Point Grey Pre-Construction Residences

Epitome of Modern Elegance
The Grey is situated at the north end of Dunbar Village on West 16th Avenue, The homes in the neighbourhood are predominantly single-family. With this in mind, homes are designed to appeal to the luxuries and comforts of single-family living. Designed by acclaimed IBI, the four-storey building complements the historic neighbourhood with a composite of natural stone, metal panel, glass and concrete. The Grey is a timeless illustration of contemporary elegance.

Aerial perspective of Westland's The Grey.

The Grey will have a selection of two-bedroom to three-bedroom plus den homes, also included in the plans are penthouse level homes, and ground-level commercial space. Penthouses will have their own private rooftop balconies and many homes will benefit from large outdoor terraces.The Grey is located on the crest of Dunbar, north-facing homes will have amazing views of the water, North Shore mountains and Downtown Vancouver. All large homes will carry the Westland pedigree that can only be offered from an ultra luxury single-family builder.

Pricing for The Grey
Details have not yet been released

Floor Plans for The Grey
All residences will consist of two or more bedrooms, including two 1,087 sq ft 2-bedroom suites, 18 2-bedroom + den homes from 1,132-1,353 sq ft, two 1,400 sq ft 3-bedroom condos, and seven penthouses from 911-3,500 sq ft.

Luxurious interiors at The Grey by Guo Interiors.

Superior Interiors

Two finely-crafted, custom colour palettes by Guo Interiors coordinate with your personal style
9’ ceilings in living and bedroom areas visually expand the scope of each room
Wide-plank engineered hardwood flooring flows throughout the living and bedroom areas
Side-by-side washer and dryer laundry closets
Solid core doors in each room create additional privacy and security
Custom-designed built-in closets allow for plenty of room for organization of your possessions
Automated smart-home technology by Creston controls temperature and lighting through a sleek wall-mount keypad
Additional smart-home technology available through the Westland Design Centre
Tailor your home with our pre-selected options for customization and personalization at the Westland Design Centre

Open-plan kitchen concept for spacious living at The Grey.

Connoisseur Kitchens

Italian-imported, custom-stained oak veneer cabinets designed for the needs of the at-home chef
Oversized kitchens with islands
Renowned, state-of-the-art Gaggeneau appliances:
Multi-language options
- 36” 5-burner gas cooktop with stainless steel high CFM hood fan
- Stand-alone 24” integrated refrigerator column
- Stand-alone 18” integrated freezer column
- Built-in microwave
- Built-in, ultra-quiet speed dishwasher
- 24” handleless, automatic door-opening wall oven
Each home includes the option for a one-of-a kind culinary entertainment centre with an integrated pantry that features:
- Gaggeneau coffee maker
- Gaggeneau refrigerated wine column
- Pull-out storage
- Custom bar with mirrored wall and lit display shelving for your finest cognac
Custom-designed drawer and door organizers keep kitchen essentials in their place
Integrated soft-touch, self-close doors and drawers maintain a visually clean kitchen and minimize noise
Kitchens offer convenient under-cabinet task LED lighting for precision work
Easy-to-maintain solid quartz countertops with full-height quartz backsplash and marble-top island make a statement
European-designed, arched chrome Hans Grohe faucet

Show-Stopper Bathrooms

Italian-imported, wood veneer cabinets hover over exquisite tile floor
Master bathroom features:
- Opulent free-standing tub enclosed within a stunning frameless glass bathing room
- Flush-mount, custom-stained oak, mirrored medicine cabinets with built-in lighting and electrical outlets
- Nu-heat flooring for year-round comfort
- Pristine white countertops are paired with Hans Grohe wall-mount or free-standing faucets and fixtures
- Oversized 5’-wide porcelain marble slab creates a spectacular bathing experience
Powder room features:
- Exceptional oversized, three-sided vessel sink
- Duravit wall-mounted lavatory
- Sparking chrome Hans Grohe faucet

Developer Team for The Grey
Westland, a family company, was established in 2008. Since then, Westland has designed and built over 40 ultra-luxury custom homes in some of Vancouver’s most prestige neighbourhoods – Shaughnessy and Kerrisdale. Completely original, each of these custom homes have been meticulously designed to express the unique personality of the homeowner.

Expected Completion for The Grey
Sales start Fall/Winter 2016. Completion date is yet to be determined.

The post The Grey by Westland – Ultra Luxury West Point Grey Pre-Construction Residences appeared first on Vancouver New Condos.

from Buildings – Vancouver New Condos http://ift.tt/2da3LAe

The Grey by Westland – Ultra Luxury West Point Grey Pre-Construction Residences

Aerial perspective of Westland's The Grey.

Pricing for The Grey
Details have not yet been released

Luxurious interiors at The Grey by Guo Interiors.

Superior Interiors

Two finely-crafted, custom colour palettes by Guo Interiors coordinate with your personal style
9’ ceilings in living and bedroom areas visually expand the scope of each room
Wide-plank engineered hardwood flooring flows throughout the living and bedroom areas
Side-by-side washer and dryer laundry closets
Solid core doors in each room create additional privacy and security
Custom-designed built-in closets allow for plenty of room for organization of your possessions
Automated smart-home technology by Creston controls temperature and lighting through a sleek wall-mount keypad
Additional smart-home technology available through the Westland Design Centre
Tailor your home with our pre-selected options for customization and personalization at the Westland Design Centre

Open-plan kitchen concept for spacious living at The Grey.

Connoisseur Kitchens

Italian-imported, custom-stained oak veneer cabinets designed for the needs of the at-home chef
Oversized kitchens with islands
Renowned, state-of-the-art Gaggeneau appliances:
Multi-language options
- 36” 5-burner gas cooktop with stainless steel high CFM hood fan
- Stand-alone 24” integrated refrigerator column
- Stand-alone 18” integrated freezer column
- Built-in microwave
- Built-in, ultra-quiet speed dishwasher
- 24” handleless, automatic door-opening wall oven
Each home includes the option for a one-of-a kind culinary entertainment centre with an integrated pantry that features:
- Gaggeneau coffee maker
- Gaggeneau refrigerated wine column
- Pull-out storage
- Custom bar with mirrored wall and lit display shelving for your finest cognac
Custom-designed drawer and door organizers keep kitchen essentials in their place
Integrated soft-touch, self-close doors and drawers maintain a visually clean kitchen and minimize noise
Kitchens offer convenient under-cabinet task LED lighting for precision work
Easy-to-maintain solid quartz countertops with full-height quartz backsplash and marble-top island make a statement
European-designed, arched chrome Hans Grohe faucet

Show-Stopper Bathrooms

Italian-imported, wood veneer cabinets hover over exquisite tile floor
Master bathroom features:
- Opulent free-standing tub enclosed within a stunning frameless glass bathing room
- Flush-mount, custom-stained oak, mirrored medicine cabinets with built-in lighting and electrical outlets
- Nu-heat flooring for year-round comfort
- Pristine white countertops are paired with Hans Grohe wall-mount or free-standing faucets and fixtures
- Oversized 5’-wide porcelain marble slab creates a spectacular bathing experience
Powder room features:
- Exceptional oversized, three-sided vessel sink
- Duravit wall-mounted lavatory
- Sparking chrome Hans Grohe faucet

Expected Completion for The Grey
Sales start Fall/Winter 2016. Completion date is yet to be determined.

The post The Grey by Westland – Ultra Luxury West Point Grey Pre-Construction Residences appeared first on Vancouver New Condos.

from Buildings – Vancouver New Condos http://ift.tt/2da3LAe

Credit Karma Review

The word karma can be defined as “the effects of a person’s actions that determine his or her destiny in his next incarnation.” The idea of karma is most widely believed by those who follow Hinduism and Buddhism, but Credit Karma is something entirely different. Unlike future incarnations, the effects of your actions in this lifetime will affect your credit score… for a period of seven to ten years.

CreditKarma.com is a website that can help you control your finances by providing a report card of sorts. This overview covers your credit report and score, savings account advice, credit card guidance, and other financially specific resources. Unlike other credit reporting sites, you’ll find two major differences that exist in the Credit Karma philosophy:

There is no monthly trial membership or initial credit card charge for signing up
You are not given an actual credit report to view, only a credit report card. This report outlines the main categories of your credit report like inquiries, past due balances, bankruptcies, etc.

When you log into your account, you will land on a personal dashboard that shows you an immediate credit summary. This includes:

TransUnion and Equifax Credit Scores — This is not your FICO score, but your credit scores from two of the three major credit bureaus, TransUnion and Equifax. These will give you a very good idea of where you would stand with your true FICO, though. You can also see the difference between the information each bureau is receiving, to determine where any differences in score may be originating.
Credit Impacting Accounts — These include reported delinquencies, inquiries, collections, credit utilization, and your average age of accounts (AAoA). You will also see the discrepancies (if any exist) between what is being reporter to TransUnion and what’s reported to Equifax.

In addition to what you initially see, there are also additional tabs, sections, and features with tons of information about credit, savings, loans, and many other financial topics. The perks that come with signing up for a Credit Karma account are found in some of their neat resources, which you simply can’t find anywhere else.

Credit Simulator

One big aspect of the CreditKarma.com genius is their credit simulation feature. This tool can help you predict how your credit score will be affected by certain actions. Do you plan to close a credit card, or purposely make a late payment because you can’t afford to send the check on time? Well, using this simulator, you can determine whether or not your credit score changes with each action.

Credit Simulator

Credit Simulator
You can simulate all of the following:

Open a New Credit Card
Add a New Loan
Add Credit Inquires
Increase the Credit Line on One Card
Open a New Credit Card and Transfer Your Balances
Close Your Oldest Credit Card Account
Increase or Decrease Your Credit Card Balances
Pay Off All Credit Card Balances
Allow ONE Monthly Payment To Become Past Due
Allow ALL Monthly Payments To Become Past Due
Have An On-Time Credit History
Add Public Record To Your Account
Have One Account Go Into Collections

Credit Factors

Another cool feature is the Credit Factor report. This tab allows you to get a birds-eye view of your credit report according to TransUnion and Equifax. You can see exactly how much of your credit is being utilized, how many collections or late payments are being reported to each bureau, the number of inquiries you’ve racked up, etc. And what’s always interesting to me is that they are almost never a perfect match between the bureaus.

credit-karma-2

You may be used to checking your credit through only one or two bureaus. However, it would be very useful to check at least two, if not all three. Having a compare-and-contrast option within Credit Karma’s dashboard makes this simple and quick.

There are plenty of other smaller features within Credit Karma that help consumers manage their loans, savings and CD accounts, credit cards and almost any other financial account you can think of. The site also has its fair share of outside credit card and free-trial offers because providing a free service means they have to make money somehow. If you can avoid signing up for offers and don’t mind providing your contact information to a third-party provider, Credit Karma is an reasonable option to help you better understand how your credit report and score will effect your financial future.

The post Credit Karma Review appeared first on The Dough Roller.

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Wednesday, September 28, 2016

How to Wash a Synthetic Insulated Jacket or Sleeping Bag

Avenue One by Concord Pacific – 247 Opulent Southeast False Creek Pre-Construction Condos

Concord Pacific, have come together with GBL Architects, They have designed a stunning 17-storey residential building in booming Southeast False Creek. This very attractive location is overlooking Hinge Park, Habitat Island, and the waters of False Creek. Avenue One highlights the enjoyment of the outdoors with open north-facing balconies, water features and green roofs. If you enjoy an active lifestyle, Avenue One is the one.

Avenue One north elevation rendering.

Becoming a home owner at Avenue One, you join a master-planned community designed to conveniently meet your everyday needs. Located close-by are various professional services and shops such as Urban Fare, London Drugs pharmacy and Terra Breads bakery cafe. For an evening out there is a selection of breweries, cafes, pubs, restaurants, and taphouses all within walking distance of you own neighbourhood. This area also offers the stunning seawall for jogging, cycling, False Creek for watersports and the facilities at the Creekside Community Recreation Centre. Follow the avenue to livability at Avenue One.

Aerial view of Area One's Southeast False Creek location.

Rendering of Avenue One's podium.

Developer Team for Avenue One
Concord Pacific is a residential and commercial real estate investment and development firm formed in 1987 to develop Concord Pacific Place on the former Expo Lands in downtown Vancouver. Since then, Concord has completed over 100 residential and mixed use buildings with more than 50 in various stages of planning and development. Over the past 25 years, the Concord Group of companies has also grown into other industry sectors, including software and information technology, telecommunications, as well as green energy projects in solar, wind, and hydroelectric power generation.

Pricing for Avenue One

Contact for Details

Expected Completion for Avenue One
2019.

The post Avenue One by Concord Pacific – 247 Opulent Southeast False Creek Pre-Construction Condos appeared first on Vancouver New Condos.

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Avenue One by Concord Pacific – 247 Opulent Southeast False Creek Pre-Construction Condos

Avenue One north elevation rendering.

Aerial view of Area One's Southeast False Creek location.

Rendering of Avenue One's podium.

Pricing for Avenue One

Contact for Details

Expected Completion for Avenue One
2019.

The post Avenue One by Concord Pacific – 247 Opulent Southeast False Creek Pre-Construction Condos appeared first on Vancouver New Condos.

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The Parker by Townline – 49 Cambie Corridor Pre-Construction Luxury Residences

Townline has announced their newest WestSide community, The Parker is a stunning 6-storey building coming soon to Vancouver’s very popular Oakridge neighbourhood. This boutique development consists of 49 luxury residences which will include air-conditioning. There will be a selection of one,two,and three-bedroom homes featuring thoughtfully-planned gourmet kitchens, spa-inspired bathrooms, high-end interior finishes, and appealing outdoor living spaces.

The Parker south elevation rendering.

The Parker is going to be situated on the corner of West 41st Avenue and Elizabeth Street, The Parker is conveniently tucked back from the bustle of the Cambie Corridor while still providing immediate access to nearby amenities. Oakridge Centre will be nearby providing shopping and stores for groceries at Kin’s Farmers Market and Safeway. Just across the street you will be able to find the ideal wines for entertaining at Vancouver’s largest Signature BC Liquor Store. Queen Elizabeth Park’s beautiful manicured gardens are located just a few minutes away. Also the very accessible Canada Line will bring you downtown to enjoy its endless entertainment offerings. It’s all yours at The Parker.

The post The Parker by Townline – 49 Cambie Corridor Pre-Construction Luxury Residences appeared first on Vancouver New Condos.

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The Parker by Townline – 49 Cambie Corridor Pre-Construction Luxury Residences

The Parker south elevation rendering.

The post The Parker by Townline – 49 Cambie Corridor Pre-Construction Luxury Residences appeared first on Vancouver New Condos.

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How to Save Money and Still Have a Social Life

According to the Bureau of Labor Statistics, socializing is the second most common leisure activity in America — after watching TV, of course. But spending time with friends often comes with a pricetag. The cost of event tickets, meals, and drinks can easily add up and break your budget.

Some may think declining invitations is the only way to avoid overspending on socializing, but that doesn’t have to be the case. You just need to get creative in order to stay within your budget. Here are a few activities to help you save money while still spending time with friends:

1. Activities

Find Free Things To Do

This may seem obvious, but the absolute best way to save money while socializing is to find free things to do. This way, you avoid pricey tickets and admission fees.

Every city has a number of no-cost activities — from seasonal festivals to local band performances, historical sites to botanical gardens. Simply visit your city’s website or do a quick Google search for free things to do in the area.

Avoid Shopping As An Activity

If you’re used to calling up your friends to take a trip to the mall, now is the time to rethink your idea of entertainment. Shopping should be for picking up essentials and not turned into a social activity. Unless you have a strong willpower, avoid casually window shopping with friends as well. This could turn into an unexpected, yet budget-breaking, shopping spree.

If you must go shopping and would like to bring a friend along, consider shopping at less expensive (or even discount) stores first. Then, head to the more expensive shops only if you can’t what you need at the cheaper ones.

Find Special Admissions

Special admissions can get you into your favorite spots for a lot less than regular price. Take, for example, movie theaters. The average price of a movie ticket is around $8 (though, it’s a lot more where I live!). If you take advantage of matinee prices and go to the movies during the morning or early afternoon, you can get tickets for much less. If you’re a military member, dependent, student, or senior, you can often pick up discounts on admissions tickets, too. It won’t always be listed, so be sure to ask.

Museums are another place where you can save big by finding special admissions. Museums typically offer free or reduced admissions during certain days or hours. For example, the Museum of Modern Art in New York City normally sells tickets for adults at a price of $25. On Fridays after 4pm, though, admission is free!

Bowling alleys also tend to offer special admissions based on dates and times. For example, New Roc City Bowling in New York charges $6.95 per guest per game Monday-Thursday after 5pm. If you bowl before 5pm, that price is reduced to $4.95.

Search around online or call before showing up to figure out which locations offer special tickets. Then, plan your activities around these days and times.

Use Coupons/Deals

Coupons and deals can greatly offset the price of socializing. Groupon offers plenty of coupons and deals on local activities.

You could get discounts like 50% off a kickboxing class or admission to a painting course for $15. Often, you can find discounts on restaurants, too, such as spending $15 for a $30 meal credit. LivingSocial is another website that offers coupons and deals on activities.

2. Meals

Lunch Instead Of Dinner

At the same restaurant, even ordering the same entrée, you’ll find that lunch is less expensive than dinner. This is for a number of reasons: portions are usually smaller, business is usually slower, and service is usually faster. Because of this, it’s worth making your plans around lunch rather than dinner, in order to save a few dollars.

Restaurant Week

Most cities offer restaurant weeks. During restaurant week, establishments put together special menus, such as three-course meals for value prices. Select restaurants — even those that are typically pretty pricey — give those on a budget a chance to experience their menus. Although the menus are limited, it gives you the opportunity to go somewhere new without breaking the bank. Examples of cities that offer restaurant week are Indianapolis, New Orleans, and Washington, DC.

Order Takeout Instead Of Being Served

If you want to save even more money, you can skip the service altogether and order takeout instead. You’ll still get the same tasty restaurant food, just without the added costs of service. Not having to pay tip can often save you anywhere from $15 to $30 dollars.

Skip The Drinks

If you must eat in at a restaurant, skip the drinks. Cocktails are pricey. In fact, there’s a hotel here in New York City that charges $22 for one Manhattan! Adding drinks to your bill can easily make you go over budget.

Instead, opt for water, which is free at most restaurants. If you still want a drink afterwards you can head to a less expensive bar. Or you can even stop at a nearby liquor store and invite your friends back for a gathering at your home.

3. Nights Out

Happy Hours

Start your night out early to save money on socializing. Plenty of restaurants offer happy hours, usually starting around 4pm. During happy hours, restaurants sell drinks and food at a highly discounted rate — sometimes even offering specials for an even greater deal. This is the perfect time to meet up with friends after work and socialize.

Pre-drinks

You can save money by imbibing at home before you even go out. Invite friends over for a few drinks, then split the cost of an Uber and everyone saves.

Drinks at bars, clubs, and lounges are highly marked up. Having the majority of your drinks at home will save you a lot, especially if you buy the liquor in bulk beforehand. Even with the shared cab fare, you’ll still come out ahead.

Rail Drinks And House Wine

Once at the location, you’ll probably still want a drink or two. To save money on your bar tab, opt for rail drinks and house wine. Rail drinks are made with the bar’s cheaper liquor brands. They are kept at the bartender’s rail and not displayed behind the bar with the more costly brands. House wine is a similar concept. These options tend to be less expensive than their higher dollar counterparts.

Cheap Transit

There are numerous ways to get around during a night out on the town. A traditional cab is probably one of the more expensive options. To keep your expenses down, consider alternatives like Uber or Lyft, if they’re available in your city. These ridesharing services tend to be cheaper than yellow cabs and towncars, and often easier to book.

Or you can save even more money by taking public transportation. With public transportation, just make sure you stay safe and follow familiar routes, especially late at night. If you’ll be out into the wee hours, ridesharing is probably a better option.

Wrapping Up

There are plenty of ways to socialize on a budget. You don’t have to cancel your plans or avoid going out completely in order to keep your budget intact. With just a little ingenuity and some planning ahead, you can save save money on activities, meals, and nights out.

Whether it’s finding free things to do, eating out during restaurant week, or taking cheap transit, you’re sure to find ways to save with this list.

What things to do you do to save money while spending time with friends?

The post How to Save Money and Still Have a Social Life appeared first on The Dough Roller.

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Friday, September 30, 2016

What the Lending Club Personal Loan Calculator Can Do for You

What the Lending Club Personal Loan Calculator Doesn’t Do for You

Using the Calculator – Entering Your Information

Getting Your Results