Thursday, November 30, 2017
Things You Didn’t Know About Toilets
Content originally published and Shared from http://perfectbath.com
Vital Things You Didn’t Know About Toilets
No home is complete without a proper working toilet. The thought of relieving yourself out in nowhere can be literally scary. However, with a toilet in place; it is simple and very convenient. However, simple as they may look, there is much to know about toilets. You need to know how they work in order to get trouble free use and long life from them. Here are some vital facts about toilets you need to know.
The shape of a toilet plays an integral part in how your toilet looks. Indeed it determines the style of the bowl, seat, and also lid. Additionally the shape of your toilet will also determine the amount of installation space that your toilet requires. Here is what you need to know about toilet shapes.
Elongated Toilets
Elongated toilet bowl shape is not the most common yet. However it has many ad
- Offers more comfort for adults.
- Provided added room for seating.
- Easy to install and operate always
- Are unique and stylish for aesthetic
- Gives you the best of both toilets.
Round Toilet Bowls
Unlike their elongated counter parts, the round toilet bowls are the most common designs due to these.
- They take much lesser space/ room
- They have fit many home designs
- They are usually quite affordable
- They are the easiest toilet to install
Elongated Toilet Bowls often extend from wall about 18 inches plus. On the contrary the Round Toilet Bowls take slightly below 17 inches making them super options for the very small space designs.
Oval Toilet Bowls
Also known as the Compacted Elongated Bowls, the oval toilet bowl saves 10% more space than the normal Elongated Toilet Bowls. They are likable for.
- They have stylish designs
- They are less demanding
Usually, round shapes require less space but are much more comfortable. Oval shapes on the other hand require more space to install, while elongated shapes are the master of class and design.
Toilet Seat Heights
The reason why a knowing the height of your toilet seat plays a key role is simple. It determines how comfortable your will be when using the toilet. When your legs dangle, they grow tired fast and a leaves you quite uncomfortable. Here is what you should know about the toilet seat height (Source: Toiletrated).
Toilet height is simply measured with a tape measure. The measurement is taken from the floor to the top of the seat. Heights vary, but more often they fall somewhere between 14 inches and 18 inches.
The standard toilets sit 14 inches. However the Chair Height Toilets or the Comfort Height Toilets – like Kohler refers to them will measure 15 inches or more. Many of them 16″+ are ADA compliant.
Standard toilets are ideal for people with smaller stature or average heights. On the other hand, Chair Height Toilets are often two inches higher than standard-height toilets. They are easier to use as too.
Finally there are the Custom Height Toilets. A good example of this type of toilet is the Wall-hung toilets that can often be positioned at a desired height from 15-3/8″ to 28-1/2″ to allow range of users.
Toilet Trapways
Another important consideration to go with is the toilet trapway. The main job of a toilet trapway is to carry waste from the toilet bowl to the main sewer line piping. A fully glazed toilet trapway will keep a smooth flow. Here are some toilet trapways that you can always go along with.
Exposed
The Exposed Trapway is traditionally designed. They can be easily seen from the side of any toilet that uses this design. They are characterized with standard caps to cover the exposed bolts that attach your toilet to the floor.
Concealed
These one features a smooth trapway surface. You can easily wipe the surface clean. Low-profile bolt caps are used instead of the traditionally exposed raised caps in order to provide a smooth, easy-to-clean surface on toilets (Visit: Toilet Rated).
Completely Hidden
Toilet trapways are easy to manage as you can learn how to remove your toilet caps and again replace them with a more exquisite design. The process is usually simple and more specifically a DIY procedure.
Flush Systems
Apart from what we have seen the next thing in line to play an integral part on how your toilet operates is the flushing system. From gravity, dual flush, to double cyclone, or single flush the choice literally lies with you.
Even so the way your flushing lever is placed will be determined with what types of design you need. Today, toilets come with varying flush leavers and some of the most common ones that you might find are these.
- Single Flush toilets with levers on left or right sides of the toilet.
- Dual Flush toilets with the flushing lever for small and full flush.
- Touchless Flush that uses a sensor to trigger the flush of your toilet.
- Wall Mounted flush that works with wall hung toilets for convenience.
Benefits of Good Flushing Toilets
Looking at what having a great toilet entails, we can’t still walk away from the benefits of a good flushing toilet.
High Flow toilets offer an easy to use method to remove waste. They are very hygienic and will help to keep germs and bacteria away. Additionally, a high flow toilet is easy to take care of will last longer than a normal toilet. They also keep odor away and leave you with a fresh breath always. One last thing though, they are eco-friendly but can a little pricey but generally worth it.
Conclusion
To keep your toilet functioning at best, it is important that you learn some of the most Common Problems of Toilets and how to take care of them. This will help you to learn more about your toilet and also work with it in the most appropriate ways.
Summary
Toilets are a necessity in a home. They also help to boost the value of your home and also to keep your options for improvements open. Always choose a design that is best for you.
Contributed by: Perfectbath foremost experts in Toilets and bathroom fixtures
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SOMA by SDAE on Cambie
SOMA by SDAE is a new development at West 62nd Ave & Cambie, centrally located to connect to the airport, downtown, UBC and more. Surrounded by beautiful parks, trails, and minutes away from shopping and entertainment. SOMA offers 32 residential 1-3 bedroom units. SOMA’s striking contemporary architecture has been designed to complement its natural surroundings. Abundant landscaping around the exterior provides privacy at ground level, while Soma’s rooftop gardens bring the natural beauty of the surrounding area to your home.
The post SOMA by SDAE on Cambie appeared first on Vancouver New Condos.
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SOMA by SDAE on Cambie
SOMA by SDAE is a new development at West 62nd Ave & Cambie, centrally located to connect to the airport, downtown, UBC and more. Surrounded by beautiful parks, trails, and minutes away from shopping and entertainment. SOMA offers 32 residential 1-3 bedroom units. SOMA’s striking contemporary architecture has been designed to complement its natural surroundings. Abundant landscaping around the exterior provides privacy at ground level, while Soma’s rooftop gardens bring the natural beauty of the surrounding area to your home.
The post SOMA by SDAE on Cambie appeared first on Vancouver New Condos.
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The New Investor’s Toolkit
For beginners, these resources will help you learn the basics of stock market investing. Our investing tools can help you become a better investor.
One of my goals at the Dough Roller is to inform and encourage those who have never invested, are new to investing or have invested without giving it much thought. Recently I wrote about helping a close relative to start investing in her company’s 401(k). In discussing the situation with her, I realized that one thing holding her back was a lack of basic information about investing.
And from this was born the New Investor’s Toolkit. The idea is to bring together in one place a number of free and low cost resources that new (and even not so new) investors can turn to to gain a better understanding of mutual fund investing. The Toolkit is broken into four sections: articles, books, websites, and tools. I hope these materials prove helpful to you.
Articles/Podcasts
There are a number of great articles on a variety of investing topics. Here are a few I think are particularly useful for a new investor:
- How to Invest for the First Time: We created this in depth guide that covers everything a new investor needs to get started. Whether you are investing in your company’s 401(k), your own IRA, or a taxable account, this guide is the place to start.
- 31-Day Money Challenge: This is a series I put together on personal finance and investing. These podcasts cover all aspects of money. The section on investing begins with Podcast 23.
- The Three Principles of Investing: This very short article is a basic introduction into the rationale behind asset allocation. In addition, I’ve written a more comprehensive series of articles on asset allocation.
- Vanguard has a free series of articles that provide a great framework for investing. The starting point is Vanguard’s Principles for Investing Success. This PDF is a great place for new investors to start.
- Money Ratios: This article-turned-book uses simple ratios to help you determine if you are on track to retire.
Books
As a starting point, these three books will give you a great introduction to mutual fund investing:
The group’s founders, Taylor Larimore, Mel Lindauer, and Michael LeBoeuf, came together to write the book. By the way, John Bogle knows of the group and has even attended some of their annual meetings. The book is an excellent place to begin learning about investing and mutual funds. It covers the benefits of long-term investing, stocks, bonds, asset allocation, taxes, and a lot more. And the book’s style is easy to understand. It’s the kind of book that makes you feel smart when you’re done reading it.
As I’ve written before, the expense ratio of a mutual fund is not a complete picture of the cost of a mutual fund. Bogle discusses the cost issue, as well as taxes and the benefits of index funds. One aspect of the book I particularly enjoyed was his balanced approach to index funds. While he certainly believes they should form the core of a portfolio (and I agree), he recognizes that there may be a place for actively managed funds in a diversified investment portfolio. This is a must read.
The simple portfolio has about four asset classes and mutual funds, while the more advanced portfolios have several more. In addition, he lists specific mutual funds for each asset class. This is an excellent primer on asset allocation.
Websites
- Investopedia: This is a great general resource on investing. It also has a series of basic investing tutorials.
- MoneyChimp: This site provides good articles on index funds, reading financial reports, asset allocation, and so on.
- Morningstar: This is the mothership of all things mutual funds. Anything you want to know about a mutual fund can be found here, as well as articles on investing and a number of good discussion forums. I regularly write about how to use Morningstar in a series I cleverly call, Making the Most of Morningstar.
- ETFConnect: If you’re interested in ETFs, in addition to Morningstar, you should check out this site. It includes an Education Center (home page, top right tab) that provides some useful articles on ETFs.
Tools
The main tool I use to manage my investments is Personal Capital’s free financial dashboard. Personal Capital is an investment advisor that manages investments. They offer a free financial dashboard regardless of whether you become a client. And it’s phenomenal.
This tool offers several key features:
- Investment Tracking: Link your 401(k), IRA, taxable, and other investment accounts in one place. It tracks your asset allocation, makes suggestions, and even analyzes your investment fees.
- 401(k) Fee Analyzer: Connect your 401(k) accounts, and Personal Capital will show you just how much the fees in your 401k account will cost you over a lifetime of investing. You’d better sit down before seeing the results.
- Retirement Planner: Find out if you are on track to retire. The tool is customizable, too. You can play with different assumptions about inflation or spending, for example, to see how these changes would affect your retirement.
- Cash Flow: It’s also a great budgeting tool. Connect your bank accounts and credit cards and manage your budget.
You can read my review here or go directly to Betterment.
One final note: Investing is a lifelong adventure, and the learning never stops. At first, it may seem overwhelming. But if you keep working at it, reading, and learning, your future self will thank you. And the resources list above is a great place to start.
Topics: InvestingThe post The New Investor’s Toolkit appeared first on The Dough Roller.
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Wednesday, November 29, 2017
Should You Refinance from a 30-Year to a 15-Year Mortgage?
Should you refinance from a 30 to 15 year mortgage? The answer might seem obvious. Why not take a lower rate and pay off your mortgage faster? But hold up a second. There’s more to the equation that you should consider. Here, we’ll talk about the factors to consider, and we’ll look at examples of potential savings.
Mortgage rates are rising again. But they’re still pretty low historically. And rates on a 15-year mortgage are even lower than rates on a 30-year mortgage. Freddie Mac’s average 30-year mortgage rate for October 2017 was 3.90%. But you could get a 15-year mortgage for 3.20% or even less (see current interest rates here).
The spread doesn’t seem like a lot. But with the lower interest rate and a shorter repayment term, you’ll pay much less interest over time. Still, that’s not the only factor to consider when deciding whether to refinance from a 30-year to a 15-year mortgage. Here are other things to keep in mind:
Your Payment Will Go Up
Even if you can significantly reduce your interest rate with a 15-year note, your monthly payment will likely go up. Let’s say you have a $250,000 30-year mortgage at a 4% APR. Your monthly payment, excluding taxes and insurance, should be about $1,193 per month.
Now what happens if you refinance to a 15-year mortgage at 3.3% interest? You’ll wind up with a $1,762 per month payment. That’s a $569 difference each month!
Now, that additional payment may be worthwhile. After all, you’ll pay off your mortgage in half the time without nearly doubling your monthly payments.
But before you take the leap, consider what that increased mortgage payment may do to your budget and investing opportunities, including:
- Reducing flexibility in your budget. If your budget is at all tight, moving up in mortgage payments may not make sense. Sure, you’ll pay off your home faster. But for the next 15 years, you may struggle to just pay the mortgage each month. That’s not a good way to live or obtain financial freedom.
- Reducing your ability to pay off other debts. If you’re still working towards debt freedom, what will an increased mortgage payment do to this? It may be better to put that $569 towards high-interest credit card debt. Once you’ve cleared these obligations, then consider refinancing to a shorter mortgage term.
- Reducing your ability to invest. What if you’re in a great financial position, with more income than you need and no high-interest debt? Even then, refinancing may not be the best option. If you’re a steady saver and good investor, you can probably get a higher return on that $569 per month than the few percentage points you’ll save. This doesn’t always work out, of course, but it’s something to consider (here’s our guide on how to invest).
How Much Interest Will You Save
With all that said, looking at the overall savings for this refinance scenario may sway you to take the financial leap. You can run your numbers through this loan calculator to find out exactly how much interest you’ll pay in either situation.
For an example, let’s look at the hypothetical loan situation above. The first loan is a $250,000 30-year loan at 4% interest. On this loan, the total interest paid would be $179,673. That’s a huge amount of money!
But if you convert it to a 15-year loan at 3.3% interest, you’ll only pay $67,295 in interest over that 15 years. That’s a savings of $112,378. Not exactly pocket change!
Lowering the rate and the repayment term can save you serious cash over the life of your loan. And that’s what makes it seem like refinancing from a 30-year to a 15-year mortgage is a no-brainer.
But don’t start shopping for a 15-year mortgage just yet. Read on to find out how taxes may mess with your calculations.
Learn More: Get a free quote on a 15-year mortgage from LendingTree
What About Taxes?
Before you make your refinancing decision, be sure to take taxes into account. If you don’t itemize your tax deductions, this won’t matter much. And depending on the way the planned future tax reform goes, it may become a moot point.
But for now, when you itemize as a homeowner, you’ll usually get a tax deduction equal to your marginal tax rate times the mortgage interest you pay. Be sure to include any state tax income you pay in your marginal tax rate.
Let’s say your marginal tax rate is 30%. Remember we said the difference in total interest paid between our hypothetical mortgages is $112,378? If you take taxes into account, the real difference is more like $78,664 ($112,378 – (1-.3)).
That’s still a lot of money, of course. But it’s less than it seems like at first blush.
So at this point, it looks like we’ve muddied the waters more than actually answered your question. So let’s talk through some specific situations where refinancing may or may not be the best route.
Some Examples
Scenario 1: Your Mortgage Interest Rate is High
What if you still haven’t taken advantage of the relatively low interest rates of the last decade or so? In this case, it may make sense to refinance to a shorter-term loan as soon as possible. In fact, you may even wind up with a much smaller payment!
This may also be the case if you’ve only been a homeowner for a few years but first obtained your mortgage with less than stellar credit. If your increased credit score qualifies you for a lower rate, shop around. You may find a 15-year mortgage has a payment equal to or below what you’re currently paying on your 30-year mortgage. This can be the case if you are significantly dropping your interest rates.
So if you’re currently in a 30-year mortgage with an above-average rate, you should definitely shop around to refinance. And you may even find you can get into a shorter term without laying out much more cash each month.
Scenario 2: You’d Rather Invest
What if you want to invest in something other than your home? As long as you’re paying a relatively low mortgage interest rate, that can be a viable option.
Let’s say you scope out the above refinance, but decide not to do it. Instead, you steadily invest that $569 per month for the life of your existing 30-year mortgage. If you earn an estimated annual interest rate of 8%, you could have $848,014 in the bank by the time your mortgage is paid off. (That doesn’t, of course, take taxes into account. So be sure you do that math.)
What if, instead, you decide to take the higher payment and get out of your mortgage in 15 years? In this case, you decide to just invest the whole $1,762 mortgage payment for 15 years after your mortgage is paid off. That might seem better because you’re investing more money, right?
However, when you’re dealing with compound interest, time is a huge factor. So in this case, earning 8% interest, you’ll only wind up with $609,719. If you’re consistent with your investments, you could come out on top. Of course, the market will play into these considerations, and you could lose money rather than more quickly building equity in your home.
Scenario 3: You’re Not a Disciplined Saver
What if you have extra money in your budget, but you’re prone to spending it rather than saving beyond the minimum? In this case, a 15-year mortgage could be a good choice. It’s a sort of forced savings. Maybe you’re not getting a great return on your investment. But it’s better than frittering away that $569 per month, for sure.
Just be sure that you really do have the wiggle room in your budget, and the steady income, to comfortably make the increased mortgage payments. Otherwise a small financial bump in the road could cause serious financial repercussions.
As with all things personal finance, the decision of whether or not to refinance from a 30-year to a 15-year mortgage is just that: personal. Just make sure you look at the actual math rather than jumping to conclusions about the best option.
Consider refinancing your mortgage with Lenda
Topics: MortgagesThe post Should You Refinance from a 30-Year to a 15-Year Mortgage? appeared first on The Dough Roller.
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Don’t Waste Money On That Degree–Get a Personal MBA
No need to go to an expensive business school. Get a personal MBA instead. Our review of the Personal MBA reveals how.
The Personal MBA is an interesting book and project developed by Josh Kaufman. It challenges conventional wisdom about the value of a formal business education.
As someone interested in both learning more about business for myself and educating others on options to increase their income to build wealth faster, I found the concept very interesting.
The Value of Formal Education
There is a popular narrative in American culture. Our parents tell us to do well in school so we can get into a good college. We should then go to college and get a degree.
We are told that following this path will lead to a high paying job and prosperous life. People selling this narrative will cite statistics like the higher lifetime incomes of college graduates compared to those with only a high school education.
But there is a newer narrative, growing in popularity, that college is a waste of your time and money. Popular writer James Altucher is one of the most outspoken voices for this argument. He cites the fact that inflation in higher education costs is greatly outpacing general inflation.
He argues that most people “afford” college by burying themselves in student loans, which handcuff them for years or even decades. Worse yet, many graduates don’t end up ever working in fields related to the degrees they spent so much time and money to obtain.
Is A College Degree Worth The Cost?
So is formal education valuable and necessary, or is it a waste of your precious time and resources? As with most arguments, the truth regarding the value of a degree likely lies somewhere in between the extremes.
The necessity of a formal degree is highly dependent on the field you are looking to work in. Frank Abagnale Jr., portrayed by Leonardo DiCaprio in the popular film Catch Me If You Can, found out you can get into pretty big trouble if you just walk in and start doing jobs like being a commercial airline pilot, doctor, or attorney without the formal training and credentials required. However, in many other fields, this relationship is much less clear.
Do You Need a Business Degree?
Kaufman is in no way ambiguous with his opinion on this question. He states that when asked for a recommendation of whether or where you should get an MBA, his answer is always the same five words: “Skip business school. Educate yourself.”
He makes the familiar arguments that MBA programs are too expensive and do not guarantee a high paying job. However, he goes a step further. He suggests that MBA programs teach things that range from outdated and worthless to damaging and dangerous.
He states that even successful MBA graduates are lacking in some basic skills. These people who often manage the world’s largest companies, often emphasize “financial wizardry” to improve short-term results. He argues many MBA grads are divorced from the processes that create a company’s actual long-term value. He even blames such practices for the bubbles the burst during the crises of the early 2000’s and in 2008.
Emphasizing Sound Principles
Kaufman emphasizes that “The Personal MBA” is not meant to be a cheaper way to obtain the same information taught in MBA programs. Instead, it focuses on teaching critical concepts and principles traditional MBA programs underemphasize. His stated goals are to teach readers to ask better questions and actually start doing. This, he argues, is better than getting bogged down in complex theory.
The book hits the mark in being actionable. It is specific and clear enough. And I have already started to apply the principles in the book as I prepare for my first entrepreneurial endeavor.
At the same time, many of the principles are so universal that I have applied them to my personal life, outside of business. I have educated patients in my physical therapy practice about locus of control. I considered several finance concepts when evaluating our recent home purchase. And I applied the concept of slack to time and financial resources in planning our early retirement.
The book is organized into three sections. The first five chapters break down the five essentials that every business must have: value creation, marketing, sales, value delivery, and finance. The second section focuses on psychology with chapters on the human mind, working with yourself, and working with others. The final three chapters focus on business systems, with a chapter devoted to understanding, analyzing and improving them.
I like the book’s organization and emphasis on sound, concise principles. These make it one I anticipate holding onto forever and referencing often.
Beyond the Book
Kaufman acknowledges that you can not adequately cover every business concept in detail in a single book. However, he addresses this concern by maintaining a list of the “99 Best Business Books” on his website. He updates the list periodically as he continues his own education.
Kaufman’s “Personal MBA” is an introduction to business. It can help overcome the information overwhelm associated with learning about such a broad topic.
His reading list then guides you to the next steps to take once you know what you don’t know or have identified your areas of weakness. He organizes his recommendations into 27 categories, including marketing, sales, and finance and accounting.
Final Thoughts
We each have to calculate the opportunity costs when considering the amount of time, money and energy it would take to obtain a particular degree. This we need to factor those costs against how much a degree will increase our earning power.
Traditional degrees do still have value, particularly as a screening tool for larger and more traditional companies. Without a degree, it can be hard to get a foot in the door at companies with standard recruiting and hiring practices.
However, many of us are not looking for a traditional job or do not want to spend the capital required for a traditional degree. It is important to understand that there are other options to more traditional schooling.
The Personal MBA (Insert affiliate link) is an excellent introduction to business concepts for those looking for an alternative way to educate yourself to start a business or progress in your career. You can get all this information in your spare time and apply it immediately–no formal courses required.
I will personally be taking the self education path as I launch into my next phase of life. I would recommend if you’re looking for ways to increase your business knowledge and increase your earning power to start by checking out The Personal MBA.
Topics: Book ReviewsThe post Don’t Waste Money On That Degree–Get a Personal MBA appeared first on The Dough Roller.
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Tuesday, November 28, 2017
The Guide to Best Balance Transfer Credit Cards of 2017
They say there’s no such thing as a free lunch. While this may be true, 0% balance transfer credit cards come very close. These special types of cards enable you to transfer high interest debt to a new credit card without paying interest during the introductory rate period. In this guide, we cover the best balance transfer cards of 2017.
Seven Best Balance Transfer Cards
- Discover it®–18 Month Balance Transfer Offer
- Chase Slate®–No balance transfer fee
- Barclaycard CashForward™ World MasterCard®
- Discover it®–Cashback Match™
- Wells Fargo Platinum Visa® Credit Card
- Capital One® Quicksilver® Cash Rewards Credit Card
- Chase Freedom®
If you’re trying to pay off debt, a 0% balance transfer credit card could save you hundreds–even thousands–of dollars in interest payments. I took advantage of multiple 0% interest offers from several credit card companies on my own journey to debt freedom. In fact, I continued to roll my debt over to new balance transfer cards for several years until our debt was finally paid off.
To begin with, let’s review the best offers currently available based on our rating methodology that is described at the end of this article.
Our Top Overall Pick
The Best Balance Transfer Credit Card of 2017
Discover it®–18 Month Balance Transfer Offer earns the top spot. It offers a 0% APR balance transfer for 18 months. We like it because it doesn’t stop there. You get free access to your FICO credit score. You earn up to 5% cash back on purchases. Discover even doubles your cash back at the end of the first year. And there is no annual fee.
Note: There are some balance transfer offers that last longer than 18 months. You can check out these options here.
Chase Slate® is the only offer in our list that comes with no balance transfer fee. Simply initiate the balance transfer within the first 60 days of account opening, and you’ll pay no transfer fee. The introductory 0% APR last for 15 months on both balance transfers and purchases. There is also no annual fee, and you get free access to your FICO credit score.
Learn more about this and other balance transfer offers here.
Balance Transfer Offers
Barclaycard CashForward™ World MasterCard®–15 months; 3% transfer fee; $200 bonus
The Barclaycard CashForward™ World MasterCard® offers a 0% APR balance transfer for 15 months. What sets it apart is the $200 cash bonus new card members can earn. Here are the details along with other benefits:
- Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening
- Earn unlimited 1.5% cash rewards on every purchase
- Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
- No annual fee
Bottom Line: A solid balance transfer offer with an excellent 1.5% cash back. Add the $200 cash bonus and 5% bonus when redeeming rewards and this card easily makes our list. Learn how to apply here.
Discover it®–Cashback Match™–14 months; 3% transfer fee
Discover it® comes in several different “flavors.” The Discover it®–18 Month Balance Transfer Offer version offers the longest introductory period on balance transfers–0% APR for 18 months. We described that card above as our top pick. But you may want to consider the Discover it®–Cashback Match™.
It’s 0% balance transfer lasts for 14 months, not 18. But, it also offers 0% on purchases for 14 months (the 18-month balance transfer version offers 0% on purchases for just six months). The card has no annual fee. It also offers excellent rewards:
- Cash Back: The Discover it® cash back card offers 1% cash back on every purchase, plus 5% cash back on categories that rotate every three months. You can redeem your cash back anytime as a deposit, statement credit, or payment at Amazon.com. And as if that weren’t enough, Discover will also “double all the cash back you’ve earned at the end of your first year–only for new cardmembers.”
- Other Benefits: If you’re trying to get out of debt and raise your credit score, this card offers free access to your current FICO® score. You’ll get score updates on your monthly statement, or you can log into your online account anytime for score updates. It also has no annual fee, and there’s no late fee for your first late payment. If you travel often, you’ll appreciate that this card has no foreign transaction fee, and it comes with a $0 Fraud Liability Guarantee.
Bottom Line: If you want to transfer a balance and finance a large purchase, the 14 months of 0% interest on balance transfers and purchases is a great deal. This is also a great score for building credit, with its average credit score requirements. Learn how to apply here.
Wells Fargo Platinum Visa® Credit Card–18 months; 3% transfer fee
The Wells Fargo Platinum Visa credit card offers 0% on balance transfers AND purchases for 18 months. There is no annual fee. It also offers a unique benefit that we’ve not seen from other credit cards:
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Credit Card
Bottom Line: The Wells Fargo Platinum Visa credit card offers an excellent balance transfer offer along with an interesting perk for those looking to protect their cell phone. The no annual fee is also a big plus. Learn how to apply here.
Capital One® Quicksilver® Cash Rewards Credit Card–nine months; 3% transfer fee
Capital One also offers cards with 0% offers that combine rewards. With the Capital One Quicksilver Cash Rewards credit card, you’ll get 0% on purchases and balance transfers for nine months. While that’s not the longest offer available, there’s another huge perk with this card: its rewards:
- You earn unlimited 1.5% cash back on every purchase, every day
- One-time $100 cash bonus after you spend $500 on purchases within three months of approval
Bottom Line: The Quicksilver card offers excellent everyday cash back rewards, a chance to earn a $100 bonus, and good 0% terms. Learn how to apply here.
Chase Freedom®–15 months; 5% transfer fee
Chase offers a card that combines a solid balance transfer with excellent rewards. The 0% lasts for 15 months on both balance transfers and purchases. The transfer fee is 5% (minimum $5), which is the highest in our list. In exchange, you get a card with excellent cash back rewards.
- Get a $150 bonus after spending $500 on purchases in your first three months from account opening
- Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
- Earn 1% cash back on all other purchases
Get more details and learn how to apply for this and other balance transfer offers here.
How Balance Transfer Credit Cards Work
Listem to my discussion on how to use balance transfer cards effectively
Balance Transfer Terminology
Let’s start with some important terminology. Here are the key terms you’ll see throughout this guide and when you apply for a card:
- APR: Short for Annual Percentage Rate. This is the amount of interest the card company charges annually.
- Introductory APR: This is the interest rate you’ll be charged during the Introductory Rate Period (see next term). For all of the cards in this study, the Introductory APR is 0%.
- Introductory Rate Period: Usually expressed in months, this is how long the Introductory APR lasts. In some cases, the IRP is expressed in billing cycles, which generally are on a monthly basis.
- Regular APR: This is the APR that will apply once the Introductory Rate Period expires.
- Transfer Fee: The fee credit card companies charge on balance transfers. Most cards charge a fee of 3% of the amount transferred. For example, transferring $1,000 would cost $30 ($1,000 x 3% = $30). The card company adds the transfer fee on top of the amount transferred, increasing the total amount of the debt. Note that most cards have a minimum balance transfer fee of $5 or $10.
- Billing Cycle: The period of time used to determine the charges that will appear on a credit card bill and the interest incurred. Billing cycles are generally monthly, although they frequently do not begin on the first day of the month or end on the last day. A credit card statement reflects the charges on the card during the previous billing cycle.
How to Transfer a Balance
A balance transfer enables you to take an existing balance on a credit card or other debt and transfer it to a new card. When you apply for a balance transfer card, the online application includes a place to list the existing credit card balances you wish to transfer.
It’s here that you would list your existing credit card debt you wished transferred to the new card. Once you’re approved for the card, the credit card company will contact the card issuers you listed in the application to initiate the balance transfer.
It’s important to continue making the required minimum payments on the old debt until you have confirmation that the balances have been transferred to your new credit card.
Types of Debt That Can Be Transferred
Credit Card Debt
Most balance transfers are used to pay off other high interest credit cards. As noted above, these debts can often be listed in the online application for the new card. Once approved for the card, the issuer will initiate the transfer electronically.
It can take a few days to more than a week for the transfer to be completed. During this time it’s important to make any minimum payments on your existing debt.
Non-credit card debt
Most credit card issuers today allow you to transfer all kinds of debt. There are, however, exceptions. Further, the card issuers often do not disclose what types of debt you can transfer on their websites.
For this article, I reached out to Discover, Capital One, American Express, and Barclaycard.
Barclaycard: You can transfer balances from any Visa, MasterCard, Discover, or American Express credit card online. As part of the application process, you’ll be prompted to enter the account number of the credit card balances you wish to transfer.
If you want to transfer other types of debt, Barclaycard prompts you to contact them by phone once you receive your credit card. From Barclaycard’s website: “If you would like to complete a balance transfer from another account that is not a Visa, MasterCard, American Express, or Discover card, please call the phone number on the back of your credit card once you are approved.”
Discover: A Discover representative informed me that you can transfer any debt not linked to a checking account. Transferrable debts include car loans, home loans, and medical debt. Transfers of credit card debt can be initiated online as part of the application process. For other types of debt, you’ll need to call Discover.
Capital One: With Capital One you can transfer just about any type of debt. Further, you can initiate the transfer online:
American Express: With American Express you are limited to transferring credit card debt.
Credit Limit
The credit limit extended by the balance transfer card is critical to managing your debt. You won’t know in advance how much credit you’ll receive. It depends on a number of factors, including your credit score. As a result, there’s no way to know in advance whether the balance transfer card will have a credit limit high enough to cover all the balances you want to transfer.
The approach I took was to apply for one transfer card at a time. You can use the available credit to transfer as much of your existing credit card debt as possible. If you still have high-interest debt you couldn’t transfer due to the credit limit, you can then apply for a second balance transfer card.
There’s one important caveat when it comes to American Express. As I was digging through its terms and conditions, I found a provision that limits balance transfers to no more than $7,500 or 75% of your credit limit, whichever is less:
Balance Transfers: Only balance transfers from accounts in your name requested within 30 days from the date of account opening will be approved. We will charge your Card account for the total approved amount of all balance transfers. No transfer will be processed if: (1) any requested transfer is less than $100; (2) the total amount of all requested transfers exceeds the lesser of $7,500 or 75% of your credit limit; or (3) charging the requested transfers to your Card account would cause your total account balance to exceed your credit limit. We will not initiate any balance transfer until at least ten days after we have mailed or otherwise provided the Card Member Agreement to you. In some cases, it may take up to six weeks to complete a balance transfer. Please be sure to make all required payments on any account from which you are transferring a balance until the balance transfer is credited to that account. You authorize us to verify the balance of such accounts. You may not transfer balances from any account issued by American Express or any of its affiliates. Additional Card Members may not request or authorize balance transfers. Your balance transfer request may be declined if any of your American Express accounts are not in good standing.
Balance Transfer Fee
The vast majority of cards charge a balance transfer fee. The standard fee is 3% of the amount transferred, with a minimum fee of $5 to $10. That means you’ll pay $30 for every $1,000 transferred ($1,000 x 3% = $30). Transfer $10,000 in high interest debt and you’ll pay a fee of $300.
The three percent fee is a great deal when compared to interest rates on credit cards that can easily exceed 15% or 20%. Keep in mind that the fee doesn’t change based on the length of the 0% offer. Even longer offers typically charge the same 3% fee. So if you’re going to pay the fee, aim to get the longest 0% offer you can.
As noted above, no-fee balance transfer offers become available from time to time. You can see those offers here.
Timing of the Transfer
Several cards having timing limitations that are important to understand. To take advantage of some of these deals, you must initiate the transfer within a set period of time (typically 60 or 90 days after getting the card). Be sure to read the fine print here.
Transfers from One Issuer’s Card to Another
Credit card companies do not allow transfers between their own cards. You cannot transfer a balance, for example, from one Discover card to another Discover card. As a result, if you have a balance on a Capital One credit card, you’ll need to transfer it to a card issued by a credit card company other than Capital One.
Balance Transfers vs. 0% on Purchases
It’s important to distinguish between 0% on balance transfers and 0% on purchases. Many of the cards listed here offer both. With 0% on purchases, there is no transfer fee. Instead, the credit card issuer agrees not to charge interest on purchases for a set period of time. The length of the 0% offer is often the same as for balance transfers, but not always.
How Much Can a 0% Balance Transfer Card Save You?
This really is the key question. The answer depends on several factors:
- Your current interest rate
- How much debt you transfer
- The balance transfer fee
- Length of the 0% balance transfer offer
To give you a more concrete idea, however, let’s look at some numbers. Let’s assume we’re dealing with $10,000 in credit card debt at 18% interest. We’ll use simple interest just to make the calculations a bit easier.
Over a 21-month period, we’d pay approximately $3,100 in interest ($10,000 * 18%/12 * 21). It actually would be a bit lower as our balance would decline each month, but it’s roughly accurate. Now let’s compare $3,100 in interest with the fees and interest we’d pay with the three best balance transfer deals:
| 0% for 15 Months No Transfer Fee |
0% for 18 Months 3% Transfer Fee |
0% for 21 Months 3% Transfer Fee |
|
|---|---|---|---|
| Transfer Fee | $0 | $300 | $300 |
| Interest After 0% Expires* | $630 | $288 | $0 |
| Total 21-Month Cost | $630 | $588 | $300 |
*We assume an 18% simple interest rate. We further assume that during the 0% introductory period, the balance is reduced by $200 each month.
Keep in mind that the above numbers use simple interest, so actual costs will vary slightly. In addition, the above numbers assume that the balance is not paid in full by the end of the 0% offer. If you plan to pay the balance in full before the 0% rate expires, the no-fee balance transfer will always come out on top.
Regardless of which approach you take, all of the above options result in significant savings.
Rating Methodology
The Dough Roller editorial team has been studying, writing about, and using balance transfer cards for more than a decade. I transferred a high-rate credit card balance to a 0% card for the first time in 2007. It was a great feeling not to pay interest every month.
Since then, the editorial team here has evaluated well over a hundred balance transfer cards. We’ve learned what to look for. We considered several factors in selecting the balance transfer credit cards to include in this guide:
- Credit Card Issuer: We’ve included at least one balance transfer card from each of the major issuers, so long as they met our other rating requirements listed below.
- Length of 0% Offer: The length of the 0% offer is a key factor in our rating. The minimum length to make our list is 12 months, but most offers run 15 to 21 months.
- Balance Transfer Fee: We’ve also considered any fees for transferring balances, and we rank highly those cards (just one at the moment) that do not charge a balance transfer fee.
- Annual Fee: We also looked at other fees associated with the cards, particularly the annual fee. We ranked higher those cards with no annual fee.
- Other Rewards: Finally, we considered other card benefits, including cash back rewards and sign-up bonuses.
The post The Guide to Best Balance Transfer Credit Cards of 2017 appeared first on The Dough Roller.
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{#TransparentTuesday} Emotional labor.
I recently spent a few hours with a dear friend who was in town, and we got onto the topic of relationships.
My friend never ceases to astonish me with his wisdom and thoughtfulness, and I found myself understanding a big topic with absolute clarity for the first time.
At one point, I actually wanted to stop and take notes.
The topic was something I have both experienced personally, and in my coaching practice, about the growing pains in a relationship when you shift from assessing your partner simply as a human (amazing! sexy! perfect!) to assessing them as your future life partner (too messy! workaholic! their family is bad shit crazy!).
Here’s the gist of my friend’s message:
In the beginning of a relationship, it’s easy to be accommodating and accepting. While wearing your lust-and-optimism new-relationship goggles, you can see your partner’s behaviors in a very flattering and forgiving light. Sure, you might hear a little voice telling you that this particular behavior wouldn’t work for you in the long term, but you don’t say anything, because it’s not a big deal right now.
But then later on, when those new-relationship goggles come off, and you’re planning a future together, you might suddenly realize that there’s a ton of shit you wish was different, but your partner doesn’t know this. So you start telling them– hey this doesn’t work for me. Hey, that needs to change. Hey, I need you to do this differently.
Your partner is shocked, and offended. Things were good enough before, after all. What changed? The relationship has been fine and easy, and they don’t *want* to do all that work now.
Does any of this resonate for you?
It sure as fuck did for me.
I was struck too by the understanding that women need to learn how to assert their needs and desires right from the beginning of a relationship. While this could apply to any gender, and any type of relationship, this seems to me to be most salient among women who are in relationships with men.
In general, given the programming we learn as girls and women (to be happy, nice, polite, pretty, small, and giving) it makes sense that so many women enter new relationships with men with the goal of making themselves “easy to love.”
Typically this means not asking for much from our partners, accepting them however they show up, and just being grateful to be chosen.
In the early days, we typically try really hard to play it cool, and be laidback and casual, in order to not scare our partners off. We hide our emotional ups and downs, we hide how messy and needy we are, we hide what we really want, and we try to just be grateful that we “found a good one.”
Worse still, many women pride themselves on being “different than other girls,” meaning we demand even less from our partners, we express even fewer needs, we hide even more of our feelings… and we’re proud of it.
The problem is that “making things easy” on your partner in the beginning is a sure-fire way to end up unhappy.
Our male partners get used to relationships being suuuppper easy and undemanding, and after a while he may be perfectly content with how things are, while we have a list a mile long of our unmet needs.
Many men might try to convince you that the problem is you– that you’re too demanding, or too needy, or you’re overreacting, or you just “need to relax.”
Other men would be devastated, and unable to handle hearing all the ways they’re making you unhappy without feeling like you were attacking their personal character.
But this isn’t about you, and you don’t need to “relax.” It’s not even about him, or his personal failings.
Trust me, this is much bigger than that.
This is about the roles we are taught to play in heteronormative relationships, and who those roles benefit (hint: it’s not women).
Can you imagine if, overnight, every single woman agreed to be 100% honest and upfront about her expectations, desires, and demands in her relationship from now on?
At first, I suspect there would be a lot of breakups.
Most men would be like UMMMM THIS IS ANNOYING, I’VE NEVER HAD TO WORK THIS HARD AND I DON’T LIKE IT.
That’s because most women would demand more emotional labor, more emotional intelligence, more foreplay and sensual sex, and more of the other stuff we have all taught men they don’t need to do, in order to come off as easy and laidback and likeable.
“It’s true what they say about women: Women are insatiable. We are greedy. Our appetites do need to be controlled if things are to stay in place. If the world were ours too, if we believed we could get away with it, we would ask for more love, more sex, more money, more commitment to children, more food, more care. These sexual, emotional, and physical demands would begin to extend to social demands: payment for care of the elderly, parental leave, childcare, etc. The force of female desire would be so great that society would truly have to reckon with what women want, in bed and in the world.”
-Naomi Wolf, The Beauty Myth
Here’s the thing though.
If every single woman agreed to be upfront about her desires and demands, then after all those early breakups occurred with the men going off in search of “easier” relationships, they would all eventually discover that there was no such thing.
Can you imagine if we all held men accountable for recognizing and dismantling their own privilege, for examining and healing their own traumas, gender role expectations, and personal narratives? If we held them accountable for recognizing and communicating what they were feeling, and for showing up to do exactly half of the emotional labor in every relationship?
Most relationships would look shockingly different, and this hypothetical change would likely feel terribly unfair to men at first.
After all, for thousands and thousands of years, we have taught them that it’s totally ok for them not to do any of that, that they get a free pass because it’s “not in their nature.” (False.)
We have taught them that we women will take responsibility for most (if not all) of the emotional labor so that he can have a good life with lots of connections. We’ll remind him to call his mother on her birthday, bring up problems in our relationships that he “didn’t know how to talk about,” and keeps lists and schedules in our heads about everything that needs to be done to run a household and maintain strong connections to our friends, family, and communities.
It’s no wonder marriage disproportionately benefits men.
We’ve taught men that they don’t need to work hard to learn these skills, they don’t need to really listen to us or take our needs (or feelings) seriously, and they don’t have to change or better themselves.
We’ve even taught men that we’ll agree with them about how difficult/crazy/emotional/needy we’re being… and apologize for it.
So what do we do?
Well for a start,
- what if we stopped praising men for doing tiny fractions of the emotional labor in their relationships?
- What if we stopped thanking men for tolerating or “handling” our emotions?
- What if we stopped applauding every time a man is an active father, does chores at home, talks about his feelings, or sacrifices career success for his family, the way women have been doing for centuries?
- What if we demanded that all this (and more) became a baseline of expectation, rather than a reason to celebrate?
This might sounds crazy (and you might be freaking out imagining being even more difficult or demanding in your relationship) but the point is that eventually there would be a shift.
With an “easy relationship” taken off the table, the only option for men would be to step up and learn how to navigate the “difficult” part of a relationship.
Perhaps you’re sitting there thinking “but men just aren’t good at that stuff!”
I hear this excuse a lot, that men and women are just born with different strengths. The same argument has, until very recently, been used to justify men cheating, raping, and sexually assaulting women.
This same line of thinking has also been used to oppress women by saying that we are the more naturally virtuous and chaste gender. (Again giving men a free pass to be sexual and misbehave, while leaving the work of getting everyone to be “good” to whom? Women.)
I don’t buy this.
Yes, men and women are different, but a lot of this stuff is the result of social conditioning, gender role expectations, and unexamined privilege. Rather than lacking some biological gift, all men are lacking is practice and motivation.
(Wow this email really turned into a rant.)
In summary:
We must not allow our male partners to get away with having “easy” relationships, for fear of chasing them away. We must find ways to challenge these deeply ingrained gender roles around emotional labor, and loudly voice our expectations, desires, and needs from day one.
I don’t want an “easy” relationship, and I don’t want to live in a world where we are teaching men that an easy relationship is even an option.
We all deserve better than that, my sweet sisters.
If we all start demanding more, the men will eventually catch up.
<3
Jessi
The post {#TransparentTuesday} Emotional labor. appeared first on Jessi Kneeland.
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Monday, November 27, 2017
Bikepacking 10 Essentials
Bikepacking is gaining popularity with more and more backpackers because a bike can take you farther and faster into backcountry areas that are inaccessible on foot. Bikepacking also lets you use all of your existing backpacking gear and get even more value out of it. Like backpacking, there are 10 essential cycling-specific safety and repair items that all bikepackers should carry on their trips. Safety and self-sufficiency are still paramount, perhaps even more so because you can get so far off the grid, so fast.
- Cycling Multi-Tool
- Tire Levers
- Glueless Patch Kit
- Front and Rear Flashing Bike Lights
- Tire Boots
- Chamois Butter
- Zip Ties
- Ski Straps
- Chain Links
- CO2 Cartridges
Here are some of tools and products that I use to fit the bill:
1. Park Tool MT-40 Multi-Tool
The Park Tool MT-40 multi-tool has a built-in chain tool for removing and connecting chain links if you bust your chain on a trip and need a temporary fix to get you back to civilization. The MT-40 also includes a CO2 Cartridge adapter that’s Presta and Schrader valve compatible, 2.5, 3, 4, 5, 6 and 8mm hex, to T25 and T30 compatible drivers and screwdriver that’s compatible with multiple head types. This multi-tool is so handy the I use it in my home shop all the time.
Price $35.00
Buy Now2. Pedro’s Tire Levers
The tire lever, though seemingly one of the simplest and most basic of cycling tools, is one commonly used by almost every cyclist. Brightly colored, Pedro’s tire levers are hard to misplace if you have to change a flat in the woods or by the side of the road. Unbreakable and made with very hard plastic, Pedro’s tire levers have a unique chisel tip shape that easily inserts beneath the tire bead and a slightly thicker shape that keeps the lever securely in place when changing a flat.
Price: $5
Buy Now3. Park Tool Glueless Patch Kit
Flats happen but Park Tools glueless makes them easy to repair without any messy glue or bulky packaging. Lightly roughen your punctured tube with the included sandpaper, clean, apply patch, and you’re ready to go. Each pack includes six patches with sandpaper in a neat little carry along box that’s easy to throw into a frame bag.
Price $4.65
Buy Now4. Cygolite Streak 450 Bike Light Combo Set
Forget reflectors. You need flashing lights on the front and rear of your bike to be seen by cars, trucks, and ATVs bombing down backcountry and gravel roads. USB rechargeable lights are the best. This 450 Lumen headlight lasts up to 100 hours on a single charge, while the 50 Lumen tail light lasts up to 200 hours. Both have a pulsing daylight mode that gets noticed by motorists and can be easily switched between different bikes.
Price: $52.75
Buy Now5. Park Tool Emergency Tire Boots
Park’s Tire Boots are designed to patch cuts, tears, and holes including side walls cuts in any size tire. A waterproof reinforced vinyl membrane and super strong adhesive provide a quick and easy fix. Each pack contains three emergency tire boots, which will work on road or mountain bikes tires at any pressure level.
Price: $4.99
Buy Now6. Chamois Butter
Chafing is a ride killer. Protect and lubricate your skin with Chamois Butter. These small “single serving” 9 ml packets are easy to carry. They’re also greaseless and wash out of your clothing easily with soap and water. Use them for all of your sports!
Price: $10
Buy Now7. Assortment of Zip Ties
Zip ties have a hundred and one uses on a bike and they weigh virtually nothing. Don’t have a way to attach something to the frame? Something shake loose? Bust a Strap? Sheer a connector? Need to jury rig an attachment. Zip tie it! A pack of 100 costs just 4 bucks.
Price: $4
Buy Now8. Voile Ski Straps
Voile’s polyurethane ski straps are great for lashing waterproof stuff sacks, fishing rods, tent poles, you name it, to your bike’s frame. There no need to spend hundreds of dollars on specialized bike and frame bags when a couple of these ski straps will do. These babies also have a million and one uses for backpacking and skiing too!
Price: $6
Buy Now9. KMC Missing Link Chain Connector
If you break your chain on a ride, you can use a KMC Missing Link to reconnect the ends, although a chain tool (like the one on the Park Tool MT-40, above) is still necessary to remove any damaged links. These connectors are also handy to install on your chains to make it easy to remove, clean, or replace your chain in the future. Here (video) is a simple way to open a missing link without a special tool. It also works with a shoe lace.
Price: $13.99
Buy Now10. CO2 Cartridges
CO2 cylinders are a lot easier and less bulky to carry than a bicycle pump if you have to reinflate a tube after changing a flat. These large 20 gram cartridges are large enough to refill larger mountain bike tubes or multiple road tires. You just need a CO2 cartridges adapter, like the one included in the Park MT-40, above (which is Presta and Shrader valve compatible) to use it.
Price: $24 for package of 6
Buy NowSee also:
- Bikepacking for Backpackers
- Salsa EXP Anything Cradle Review
- Diamondback Haanjo Trail Gravel Bike Review
Written 2017.
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Campbell Residences at Cambie Village
Campbell Residences is located in the heart of Cambie Village, introducing a limited offering of eight townhomes with the modern luxury of new construction to create a true one-of-a-kind home ownership experience.Campbell Residences is set along a serene tree-lined street in Cambie Village, with convenient access to urban amenities, shopping, restaurants, and parks
The post Campbell Residences at Cambie Village appeared first on Vancouver New Condos.
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Campbell Residences at Cambie Village
Campbell Residences is located in the heart of Cambie Village, introducing a limited offering of eight townhomes with the modern luxury of new construction to create a true one-of-a-kind home ownership experience.Campbell Residences is set along a serene tree-lined street in Cambie Village, with convenient access to urban amenities, shopping, restaurants, and parks
The post Campbell Residences at Cambie Village appeared first on Vancouver New Condos.
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SOMA on Cambie by SDAE Development Co. Plans, Prices, Availability
At A Glance:
- Soma On Cambie, 505 West 62nd Avenue (7765 Cambie Street)
- 1 – 3 bedroom condo on Vancouver Cambie Street
- 6 storeys
- Concrete structure with high-end brick veneer
- Central Location connect to the airport, downtown, UBC and more
- Surrounded by beautiful parks, trails, and minutes away from shopping and entertainment.
- 32 residential units;
- a maximum building height of 21.3 m (70 ft.);
- a floor space ratio (FSR) of 2.72; and
- 31 underground parking spaces and 40 bicycle parking spaces.
Soma’s striking contemporary architecture has been designed to complement its natural surroundings. Abundant landscaping around the exterior provides privacy at ground level, while Soma’s rooftop gardens bring the natural beauty of the surrounding area to your home.
Find Out About New Presales & Get Access to VIP Openings & Special Promotions!
Are you a realtor? Click here
With kitchens featuring leading-edge European appliances and sleek Quartz countertops, every detail of a Soma interior has been carefully selected to add a level of sophistication and comfort to your living space.
Prices and Plans
Prices and Plans
Estimated Starting Price: fill out our convenient form and we will contact you with the details.
Choose from 7 floorplans ranging from studio to 3 bedroom residences
Development Team
As a respected developer of residential, mixed-use and commercial properties in the Vancouver marketplace, SDAE Development’s commitment to quality, value, innovation, and sustainability is the foundation of every project we undertake.
Through a uniquely collaborative development process that combines key insights and market-leading innovations from architects, engineers, contractors, interior designers and realtors, we ensure that every home we build creates an environment, and a standard of living that is second to none. We have a collaborative team that comprises of Vancouver-based award-winning firms, including GBL Architects, i3 Interior Design, Glotman Simpson Structural Engineers, Nemetz Electrical Engineers, Jensen Hughes Consultants, etc.
The post SOMA on Cambie by SDAE Development Co. Plans, Prices, Availability appeared first on Mike Stewart.
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