Asheville Blog http://ashevilleblog.com Your Source for all things Asheville Wed, 19 Sep 2018 13:32:31 +0000 en-US hourly 1 https://wordpress.org/?v=4.5.15 Must Know Reverse Mortgage Facts http://ashevilleblog.com/must-know-reverse-mortgage-facts/ http://ashevilleblog.com/must-know-reverse-mortgage-facts/#respond Wed, 19 Sep 2018 13:32:31 +0000 http://ashevilleblog.com/?p=11811 Facts About Obtaining Reverse Mortgages If you are of retirement age (62 or older), you may qualify to obtain a reverse mortgage. It is a particular home loan variety available only to those who are of retirement age. Reverse mortgages have several benefits and characteristics that are different from traditional loans. Facts you need to …

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Facts About Obtaining Reverse Mortgages

If you are of retirement age (62 or older), you may qualify to obtain a reverse mortgage. It is a particular home loan variety available only to those who are of retirement age. Reverse mortgages have several benefits and characteristics that are different from traditional loans. Facts you need to know about obtaining reverse mortgages are listed below.

Reverse Mortgages Will Give You Money as You Need It

The first fact you need to know about reverse mortgages is that when you get one you will not have to pay bits of what you borrow back each month. Instead, you will be receiving money every month from your reverse mortgage lender until you reach your borrowing limit. A reverse mortgage calculator will be used to determine that borrowing limit. Since the federal government regulates reverse loan standards, the reverse mortgage calculator will use a formula that takes government standards and your home value both into account.

Alternatively, you can elect to receive one large reverse mortgage payment. You can also opt to start a line of credit against the value of your home. Then you can take out equity in the form of cash you can spend whenever you want or need. In any case, you will be allowed to borrow money up to a predetermined amount and use it as you see fit for essential or optional retirement expenses.

Traditional Defaulting on Reverse Mortgages is Impossible

Another thing to know about reverse mortgages is you cannot default on one the way you could if you missed a payment on a standard home loan. In fact, part of the terms of reverse mortgages is that you must continuously live in the home to meet the terms of the loan agreement. Therefore, you cannot be evicted. Also, you will not have any monthly bill to pay, which is another reason it will be impossible to trigger a traditional default and eviction process.

Repaying What You Owe on a Reverse Mortgage

A reverse mortgage balance has no repayment requirement in the traditional sense. That is, you will not receive a bill for the mortgage each month. Instead, you can pay it back as you see fit. The only major issue that can cause the full amount to be due at once is leaving your home for 12 months or more. Since you must use it as your primary residence, leaving it for that length of time will void your mortgage contract.

What to Expect if You Void Your Reverse Mortgage Contract

In the event that you leave your home for more than one year your contract will be voided. If that occurs you will owe the full balance due. However, you have the option of not paying that balance. If you do not pay it, your family may choose to. The home will be sold if the balance goes unpaid. You or your family members will receive any money that remains from the sale after the lender takes the remainder of the loan balance. If the balance is not fully covered by the home sale nobody in your family will be required to pay additional money. Nor will any of your other assets be jeopardized. 

Undergoing the Reverse Mortgage Application Process

In order to apply for a reverse mortgage you must pass a credit check. Your home must also have a high enough value to make obtaining a reverse loan feasible. It is also important for you and any cosigner you select to live in the home and each be at least 62 years of age. Your lender may also inquire about other mortgages you have. If any exist, you must pay them immediately using part of your reverse mortgage funds when your reverse loan is approved.

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6 Killer Ideas To Design A Studio Apartment http://ashevilleblog.com/6-killer-ideas-design-studio-apartment/ http://ashevilleblog.com/6-killer-ideas-design-studio-apartment/#respond Wed, 19 Sep 2018 13:29:33 +0000 http://ashevilleblog.com/?p=11808 Designing a studio apartment can be a challenging task to give it a sophisticated look. But, with the right approach, you can sculpt the place as per your taste. All furniture in the room not only embellish the place but also add maximum usage due to limited space. Thus, buying the amenities for studio Apartment …

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Designing a studio apartment can be a challenging task to give it a sophisticated look. But, with the right approach, you can sculpt the place as per your taste. All furniture in the room not only embellish the place but also add maximum usage due to limited space. Thus, buying the amenities for studio Apartment needs some idea for the decoration part.

Your design for the apartment will inevitably involve your taste and lifestyle. If you are going to expect frequent guests there, then you have to keep it clean and impressive so that people crashing over, do not feel uncomfortable in any way. Have a look at some ideas to design your studio apartment for a comfortable living and lifestyle.

Some Killer Ideas to design a Studio Apartment

  • Colorful Tapestries: – Use colorful tapestries that give a fancy and attractive look to the room. Go for branded Tapestries with fewer colors in it but must be vibrant. They can also absorb sound from outside and gives a comfortable feel in the room. Using tapestries is a smart option to decorate the studio apartment in the house.
  • Living room: – Accent walls and a Bookshelf as a room divider may enhance the look of the living room. Use more of the space in the living room for furniture such as sofas, chairs and tables. Use elegant wall paints with not more than one or two colors. Use large-sized couches and fills them with pillows and cushions of unique design that can help to enhance the sophisticated look largely.
  • Dining room: – Using dining table with surrounded chairs is best for a dining hall. Use the chairs of the same color as that of the table and use a little vibrant colored tablecloth to cover table and chairs. Using cushions in the chair is one of the most helpful ideas for your dining space to give it a luxurious touch to the dining hall.
  • Mirror doors: – Mirror doors are the most attracted version of the design that can be used on not only the doors of the room but also the doors of lockers and shelf. Mirror gives an elegant and better look to the room as it reflects the light throughout the room and makes it brighter in small lights. Mirror doors are preferable in the studio apartment that can create a gallery wall adding a luminous effect to the room.
  • Multipurpose furniture: – One of the smartest plans for the design of a studio apartment is multipurpose furniture. You can get multipurpose furniture in Modern Digs furniture stores that can shift their shapes based on the utility options. Versatile furniture not only creates space but also merges with any room. They can be used for photography, and each of the furniture can be used multiple times.
  • Bed design: – Raising or suspending the bed can be proved useful to manage the space of the rooms as well as gives a unique look to the studio apartment.

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How to Choose the Right Binder? http://ashevilleblog.com/choose-right-binder/ http://ashevilleblog.com/choose-right-binder/#respond Wed, 19 Sep 2018 13:25:48 +0000 http://ashevilleblog.com/?p=11805 Whether you are a student, an office employee, an executive, a writer or merely a homemaker who has to deal with tones of mail coming in every week. Organizing documents and paperwork is one of the most strenuous tasks for anyone and everyone without a doubt. No matter how digitized you are regarding your documentation, …

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Whether you are a student, an office employee, an executive, a writer or merely a homemaker who has to deal with tones of mail coming in every week. Organizing documents and paperwork is one of the most strenuous tasks for anyone and everyone without a doubt. No matter how digitized you are regarding your documentation, there will always be some degree of paperwork that you will be required to manage. Whether they are bills, essential proposals, reference materials or essential fee vouchers, they need to be stored and compiled in a manner that you can find your required document in a breeze whenever you need it instead of stifling through thousands of irrelevant unneeded sheets.

Thanks to organizing supplies such as binders, organizing documents has become much more comfortable. Most people today are aware of the existence of fasteners for organization purpose. However, the secret to the most effective way of organizing documents lies in choosing the right kind of a binder. What many do not know is the fact that there is no one-size-fits-all rule for binders, and there are different types of binders that are designed to suit different needs. You are likely not to find your binder of much use and will end up back at square one if you have not invested in a binder that is the closest fit for your documentation needs. This is why it is essential that you know how to pick the best binder.

Purpose of Binding

Before picking up your binder, it is essential that you know what purpose your binder will be serving. There are different types of fasteners explicitly designed to cater to different uses. Typically, there are three main types of binders designed with unique features to serve their functions.

A presentation binder, which is also known as a transparent view binder comes with a vinyl cover that allows you to insert title pages, cover pages and any other information at the cover, spine, and back of the binder. These are excellent manage paperwork for presentations and proposals where you want to present it to a reader for a quick scan. The vinyl sheets also provide extra protection for your paper.

Reference binders are mostly designed for general use and are best for organizing the documents that need to be accessed frequently. These binders usually do not come with a clear view feature, but may have added features inside such as labeling sleeve to help you reach your required document without going through the whole stack.

Storage binders do not usually come with as many added features as the other two types, because they are meant for storing documents that need to be archived and are not accessed frequently.

Size and Capacity

Once you know what purpose your binder will be serving, you need to consider how many documents your binder will store and what will be the average sheet size that you will be using. Choosing the right size and capacity is not only essential to help you protect your paper, but also to help you select the right kind of ring technology and increase the durability of your binder. You would not want sizeable legal stamp papers coming out of sized letter papers. Likewise, you would not want your rings being damaged because of running out of capacity. If you have a massive stack of sheets to organize go for a D-ring binder as it has a much higher capacity and is much more durable.

 

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Essentials for custom writing assignment in school http://ashevilleblog.com/essentials-custom-writing-assignment-school/ http://ashevilleblog.com/essentials-custom-writing-assignment-school/#respond Thu, 13 Sep 2018 13:11:56 +0000 http://ashevilleblog.com/?p=11789 It is not a matter about selling and prewritten assignments, samples or templates but it is a matter of completing educational career in your life and in a year. With the better writing skill it will be easy for us to produce our better learning skills. Usually it means students perform in right depth research …

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It is not a matter about selling and prewritten assignments, samples or templates but it is a matter of completing educational career in your life and in a year. With the better writing skill it will be easy for us to produce our better learning skills. Usually it means students perform in right depth research and analytics in addition to creative thinking and composing proofreaders and will detect eliminating for all possible mistakes and omissions.

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Should students buy essays, and on the cheap? http://ashevilleblog.com/students-buy-essays-cheap/ http://ashevilleblog.com/students-buy-essays-cheap/#respond Thu, 13 Sep 2018 13:11:10 +0000 http://ashevilleblog.com/?p=11787 Essays are the most frequently assigned papers and then lots of disciplines about it. Main thing is fortunately are knowledgeable and successful academic writing and can support you. It can also to buy essay for cheap on the site and then no matter topics should be written in. so as that to become natural to …

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Essays are the most frequently assigned papers and then lots of disciplines about it. Main thing is fortunately are knowledgeable and successful academic writing and can support you. It can also to buy essay for cheap on the site and then no matter topics should be written in. so as that to become natural to buy essay online writing services exactly have shaped academic process and then growing number of companies easily attracts students from over the world promising them at a high quality and excellent marks into the class. If there is the requirement to WritingCheap and for completing assignment it is better.

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Tips on writing thesis with academic requirements http://ashevilleblog.com/tips-writing-thesis-academic-requirements/ http://ashevilleblog.com/tips-writing-thesis-academic-requirements/#respond Thu, 13 Sep 2018 13:10:19 +0000 http://ashevilleblog.com/?p=11785 Actually as thinking yourself member of writing academies and need to listen to the experts is better. Most of students of academic essays are as teachers and before they have read too for and want to know the essay argues well how the writer plans to make the further arguments and debates. We should not …

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Better late than never essay writing http://ashevilleblog.com/better-late-never-essay-writing/ http://ashevilleblog.com/better-late-never-essay-writing/#respond Thu, 13 Sep 2018 13:09:42 +0000 http://ashevilleblog.com/?p=11783 Here is the best tips and better source for you to get marks obtaining more and more easily. EssayShark is the better one for new students in their class assignments and essay writing. Students also get promoted and to next class with better learning skills to promoting. With the suddenly quite distant and then learnt the …

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The 22nd Annual Brewgrass Festival Postponed Due to Hurricane Florence http://ashevilleblog.com/22nd-annual-brewgrass-festival-postponed-due-hurricane-florence/ http://ashevilleblog.com/22nd-annual-brewgrass-festival-postponed-due-hurricane-florence/#respond Tue, 11 Sep 2018 13:18:36 +0000 http://ashevilleblog.com/?p=11791 The Annual Event is Rescheduled for October 27th, 2018 at the Salvage Station

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The Annual Event is Rescheduled for October 27th, 2018 at the Salvage Station

After several hours of deliberation, the producers of the 22nd annual Brewgrass Festival officially rescheduled the event due to the current forecast regarding Hurricane Florence. This decision — the result of consulting Asheville city officials and the ever changing weather reports — was made not only to ensure the safety of those potentially traveling to the event from out of town but also to give brewery partners in harm’s way the chance to focus on preparing for the approaching storm. Co-founder of the event Eddie Dewey, owner of Dewey Property Advisors, said that after 21 years of this festival, it is of utmost importance that safety take precedence in this situation.

“Brewgrass is the longest running beer festival in Western North Carolina. We love that once-a-year we get to come together and celebrate North Carolina’s ever growing beer scene. But it is difficult to think that we may be celebrating with beer and music while some of our brewery partners are in harm’s way. We have breweries in Charleston telling us they need to stay home and prepare. We also have breweries in Raleigh wondering if they are going to get a foot of rain or more. A category 4 hurricane that hits Wilmington is only two hours south of Raleigh. How do we ask these people to travel through that weather?  Even if Asheville is spared high winds and heavy rains, most of our state won’t be so lucky.”

Instead of canceling the event, the festival producers decided to reschedule Brewgrass for October 27th, 2018 at the Salvage Station along the French Broad River in Asheville. Although a smaller venue, the space will provide for a more intimate event. The event producers are in contact with the bands to determine if they are able to reschedule as well.

“We haven’t been able to confirm with all of the bands if they can join us for the new date,” said Dewey. “But we should know in the next day or two and a band who can’t join us will be replaced with another, similar act.”

On Tuesday, September 11th, an email will be sent out to those who already bought tickets and  media outlets will be alerted about the change in plans. Any ticket purchased for the 22nd annual Brewgrass on September 15th will automatically be transferred to the new date in October. Anyone unable to make the new October 27th date should reach out to the organization for a full refund. Brewgrass Festival apologies for any inconvenience this change in plans causes. For more information, please visit www.brewgrassfestival.com

 

About Brewgrass Festival

About Brewgrass Festival Founded in 1996, Brewgrass Festival is Asheville’s original craft beer event promoting local, regional, and national breweries while raising money for Big Brothers Big Sisters of Western North Carolina. North Carolina is now home to over 100 breweries and brewpubs, and since those early days, Asheville, NC has formed a burgeoning beer scene — even reigning as “Beer City USA” four years in a row. Brewgrass Festival is proud to donate a portion of all proceeds to Big Brothers Big Sisters of Western North Carolina, a United Way Organization.

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Hi-Wire Brewing Announces New Year-Round Beer: Hop Circus Rotating IPA Series http://ashevilleblog.com/hi-wire-brewing-announces-new-year-round-beer-hop-circus-rotating-ipa-series/ http://ashevilleblog.com/hi-wire-brewing-announces-new-year-round-beer-hop-circus-rotating-ipa-series/#respond Mon, 10 Sep 2018 13:31:54 +0000 http://ashevilleblog.com/?p=11802 Hi-Wire Brewing is pleased to introduce the Hop Circus IPA program, an experimental hop series exploring the endless spectrum of hop flavors and aromas, to their line-up of flagship beers, with the first release from the program hitting shelves in October 2018.

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Hi-Wire Brewing is pleased to introduce the Hop Circus IPA program, an experimental hop series exploring the endless spectrum of hop flavors and aromas, to their line-up of flagship beers, with the first release from the program hitting shelves in October 2018.

The Hop Circus IPA Series is an homage to Hi-Wire Brewing’s original launch of what is now their Speciality Program. Pushing the limits through hop exploration and creative ingredients, it is Hi-Wire Brewing’s goal to bring a new IPA to the market every three to four months. Each release from the Hop Circus IPA Series will feature different combinations of hops, fruit, or adjuncts, keeping the program fresh and interesting.

Co-owner Chris Frosaker notes “our best selling beer is Hi-Pitch Mosaic India Pale Ale, which is a traditional West-Coast Style IPA. We have also been having a blast with our Hazy&Juicy&Hoppy&Fresh series, which rotates some of our favorite hops in a Northeast IPA style. With the Hop Circus series, we get to meet in the middle by experimenting in the wide range of IPA styles, but keeping the beer at a more affordable price point.”

The first release from the Hop Circus IPA Series is a Tropical White IPA (6% ABV). Blending tropical sweet tart flavors from mango and pineapple, with dank white grape and citrus notes from Hallertau Blanc and Citra. A heavy-handed portion of flaked wheat rounds out the flavors in this bright and silky brew. Available in 6-pack 12oz cans and draft, this beer, and all releases from the Hop Circus IPA Series, will see full distribution in Hi-Wire Brewing’s entire footprint.

Hop Circus will be an addition to Hi-Wire Brewing’s current line-up of flagship beers including Hi-Wire Lager, Bed of Nails Brown, Hi-Pitch Mosaic IPA, Lo-Pitch Juicy IPA, and Hi-Wire Gose. For more information on the full selection of beers from Hi-Wire Brewing visit their website at hiwirebrewing.com.

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New Front Entrance Opens at WNC Nature Center http://ashevilleblog.com/new-front-entrance-opens-wnc-nature-center/ http://ashevilleblog.com/new-front-entrance-opens-wnc-nature-center/#respond Mon, 10 Sep 2018 13:26:02 +0000 http://ashevilleblog.com/?p=11799 The WNC Nature Center will welcome guests into their new front entrance beginning Wednesday, September 12, 2018. The Center will be closed to guests on Tuesday, September 11th in preparation.

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The WNC Nature Center will welcome guests into their new front entrance beginning Wednesday, September 12, 2018. The Center will be closed to guests on Tuesday, September 11th in preparation.

“We’re excited to offer this enhanced guest experience to our visitors,” said Chris Gentile, Director of the WNC Nature Center. “The new front entrance will allow us to better serve our growing number of guests with smoother check in, enhanced parking, a separate entrance for school groups and the use of the Festiva Event Plaza for events.”

The WNC Nature Center broke ground on the front entrance project in 2017. Improvements include handicapped parking and ramp, sidewalks through parking for safety, new guest restrooms, an events plaza, and new exhibits. Guests will now be able to enter the Center’s main grounds through the barn area where they can visit the new chicken habitat, Virginia the opossum, and more.

The Center will be open for normal business hours, 10am-5pm, on Wednesday, September 12th. The first 50 families in the door will receive a free water bottle from the Friends of the WNC Nature Center to celebrate the opening of the new front entrance. A ribbon cutting event will follow on Saturday,

December 1st at 11am during the Nature Center’s popular Winter’s Tail event. This project was funded in part by the City of Asheville, and by the Friends of the WNC Nature Center with support from the Buncombe County Tourism Development Authority’s Tourism Product Development Fund, and from Festiva. Other contributors to the project include charitable foundations, businesses, and many generous individual donors.

Friends of the WNC Nature Center 

The Friends’ mission is to support the programs, facilities and the residents of the Western North Carolina Nature Center, which showcases the fauna and flora of the southern Appalachian region. The WNC Nature Center connects people with the animals and plants of the Southern Appalachian Mountain region by inspiring appreciation, nurturing understanding, and advancing conservation of the region’s rich biodiversity. For more information on the Friends of the WNC Nature Center, or to join the Friends and support future projects, visit www.wildwnc.org .

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