Associated Press style provides guidelines for journalists, but it is also used by many businesses and nonprofit organizations. Many publications and organizations develop their own style guides. If you are working as a journalist, a [...]
A critical decision when designing your home studio is the type of monitors to purchase. Apart from your recording environment's acoustics, the best budget studio monitors can take your music recording experience to the next [...]
What is DTI? If you are applying for a home loan, you will likely hear the term DTI. DTI stands for the debt-to-income ratio. Your debt-to-income ratio tells lenders how much money you owe other [...]
How to make a competitive offer on a home? In a buyer’s market, you may be able to make a low offer, tack on additional contingencies, and ask the seller to pay closing costs. But, [...]
I have put together a top ten list of America's fastest-growing cities, and why you should be checking out their housing markets: San Francisco, California San Francisco is one of the largest cultural hubs in [...]
What type of physical activity is gardening? For many of us, gardening is more than an enjoyable pastime. It is an opportunity to stay healthy and get fit without the need to leave [...]
"When cardinals appear, angels are near" is a saying or belief that is often associated with spiritual or religious significance. Some people believe that seeing a cardinal bird is a sign that a deceased loved [...]
Optimizing finances doesn’t have to be difficult. There are countless smartphone apps for both Android and iPhone users that can help you manage your personal finances. Here, we’ll discuss seven of them. 1. Flipp Food, [...]
Ordinarily, if someone transfers assets in which he or she retains an interest, the value of the retained interest is ignored for gift tax purposes. In other words, the value of the gift is the [...]
It can be a thrill to be a first-time home buyer, but might also be a challenging experience. Unless you have done a lot of research, the home buying journey can feel overwhelming. Don’t make [...]
