Metal doors can be different. Cheap and expensive, reliable and not very reliable, and also very unreliable and even not quite as if metal. The market is full of various offers, many of which seem very attractive. And the inexperienced consumer is torn between the desire to save money and the need to protect the front door from break-in from various encroachments.

For example, on quite a decent look at the door are installed cheap locks, Chinese counterfeits under the famous European manufacturers. And everything looks quite solid, however, such locks an invitation to burglars, and not even too qualified. In addition, such locks are extremely unreliable in operation, and it may happen that the locks will simply fail, and then breaking the door will have to deal with the owner, and even pay for such pleasure. At the same time, the manufacturer of counterfeit locks has saved money and made good money.

In order not to fall victim to deception by an unscrupulous seller or unqualified manufacturer, certain precautions should be taken when ordering/purchasing metal doors:

If you really want to save money by purchasing metal doors, it is better to save on finishing materials it does not affect safety, but the savings on the thickness of metal door leaf or lock systems automatically means a decrease in the consumer qualities of the door, makes the door unreliable and non-functional after all, it can no longer provide reliable protection for your property.

And remember that reliability is never cheap. Its like the famous Bulgakovs sturgeon: there is only one degree of freshness the first, and it is the last. You can buy quality metal doors at a relatively low price, but super-cheap offers are not metal doors, but a fake one.

KHTS FM 98.1 and AM 1220 is Santa Claritas only local radio station. KHTS mixes in a combination of news, traffic, sports, and features along with your favorite adult contemporary hits. Santa Clarita news and features are delivered throughout the day over our airwaves, on our website and through a variety of social media platforms. Our KHTS national award-winning daily news briefs are now read daily by 34,000+ residents. A vibrant member of the Santa Clarita community, the KHTS broadcast signal reaches all of the Santa Clarita Valley and parts of the high desert communities located in the Antelope Valley. The station streams its talk shows over the web, reaching a potentially worldwide audience. Follow @KHTSRadio on Facebook, Twitter, and Instagram.

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How To Choose A Door That Will Really Protect Your Home - KHTS Radio

TipRanks

What kind of stocks stir up controversy like no other? Penny stocks. These tickers trading for less than $5 per share have earned a reputation as some of the most divisive names on Wall Street, with these plays either met with open arms or given the cold shoulder.Its understandable why some investors are wary. Those opposed are quick to point out that there could be a very real reason these stocks are changing hands for pocket change, with the low share prices often masking obstacles like weak fundamentals or troubling headwinds. That said, others are drawn in by the sheer growth potential of penny stocks. The fact is that even minor share price appreciation can mean huge percentage gains, and thus, serious returns. Whats more, your money goes further with these bargain names.No matter which side you take, one thing is certain, due diligence is necessary before making any investment decisions. Thats where the experts come in, namely the analysts at Roth Capital. These pros bring experience and in-depth knowledge to the table.With this in mind, our focus turned to two penny stocks that have received a thumbs up from Roth Capital analysts. Running the tickers through TipRanks database, both have been cheered by the rest of the Street as well, as they boast a Strong Buy analyst consensus. Not to mention substantial upside potential is on the table.Cellectar Biosciences (CLRB)Leveraging its patented phospholipid drug conjugates (PDCs) delivery platform, Cellectar Biosciences develops cutting-edge treatments for cancer. Based on the potential of its drug candidate, CLR 131, and its $1.24 share price, Roth Capital thinks that now is the time to get in on the action.Representing the firm, analyst Jonathan Aschoff tells clients that he is optimistic about CLR 131, which is a small-molecule, targeted PDC designed to deliver cytotoxic radiation directly and selectively to cancer cells, in the lymphoplasmacytic lymphoma (LPL)/Waldenstrom's macroglobulinemia (WM) indications. According to Aschoff, following its Type B guidance meeting with the FDA, CLRB is prepared to initiate its first pivotal CLR 131 trial in LPL/WM after achieving a 100% ORR and 75% major response rate in four patients. He points out that although CLRB just reported promising results in multiple myeloma (MM) (40% ORR in triple class refractory (TCR) patients at total body doses of at least 60mCi), LPL/WM was selected for the initial pivotal trial based on the very strong initial results and the lower competition for patients.We view this as a prudent decision because NCCN compedia listing in MM is a mere peer-reviewed publication away, if first approved in LPL/WM. We also note that CLRB has steadily improved its dosing of CLR 131, essentially fractionating the doses so that higher total body doses are well tolerated, Aschoff further explained. Adding to the good news, the therapy generated activity in preliminary Phase 1 unresectable brain tumors. Aschoff added, Disease control was shown in two heavily pretreated patients with ependymomas, showing the drug's ability to cross the blood brain barrier, and all doses through 60 mCi/m2 have exhibited a favorable safety profile.To this end, Aschoff rates CLRB a Buy along with a $10 price target. Investors could be pocketing a gain of 713%, should this target be met in the twelve months ahead. (To watch Aschoffs track record, click here)Are other analysts in agreement? They are. 5 Buys and no Holds or Sells have been issued in the last three months. So, the message is clear: CLRB is a Strong Buy. Given the $5.48 average price target, shares could soar 345% from current levels. (See CLRB stock analysis on TipRanks)Applied Genetic Technologies (AGTC)With vast gene therapy experience, Applied Genetic Technologies designs and constructs all critical gene therapy elements and brings them together to develop successful treatments for patients. Currently going for $4.50 apiece, Roth Capital believes this stocks long-term growth narrative is strong.Firm analyst Zegbeh Jallah points out that recently released data for its XLRP gene therapy program, which is expected to enter pivotal studies in Q1 2021, reaffirmed his bullish thesis. Despite the market not fully appreciating the data given how the stock traded, we continue to believe that the results suggest that AGTC could have a best-in-class therapy, which is supportive of the planned pivotal efforts, he explained.Providing an update on the results of the Phase 1/2 XLRP study, using the FDA's criteria, AGTC evaluated responses at 12 months in the lower dose groups (2 and 4), and 6 months in the higher dose groups (5 and 6). According to Jallah, initial responses were observed in dose Groups 2, 3, 4, 5 and 6, with impressive response durability even at 12 months.On top of this, at 6 months, the dose used in Group 5 resulted in a 43% response rate or a 57% response rate if excluding a patient not meeting the enrollment criteria. In Group 6, a response rate of 50% was observed, or 100% excluding patients not meeting the enrollment criteria.Jallah added, All measurements were obtained in the 36 perimetry grid, which we believe should make it easier to preselect loci likely to respond. Although BCVA is not the primary endpoint, BCVA improvements, which can capture changes in the central region, were maintained at 12 months.Even though some investors have expressed concern about Meiras competing therapy, Jallah believes AGTCs technology could have a leg up. Overall, we believe that the data from both companies is strongly indicative of the efficacy potential of gene therapy for inherited retinal disease, and although differences in the study design makes direct comparisons difficult, we believe that AGTC could have a competitive advantage heading into pivotal studies, he commented.In line with his optimistic approach, Jallah reiterated a Buy rating and $30 price target, indicating 568% upside potential. (To watch Jallahs track record, click here)All in all, other analysts echo Jallahs sentiment. 5 Buys and zero Holds or Sells add up to a Strong Buy consensus rating. The average price target of $18.25 is less aggressive than Jallahs but still leaves room for upside potential of 306%. (See AGTC stock analysis on TipRanks)To find good ideas for penny stocks trading at attractive valuations, visit TipRanks Best Stocks to Buy, a newly launched tool that unites all of TipRanks equity insights.Disclaimer: The opinions expressed in this article are solely those of the featured analysts. The content is intended to be used for informational purposes only. It is very important to do your own analysis before making any investment.

Excerpt from:
EU5 Hernia Repair Procedures Outlook to 2025 - Femoral Hernia Repair Procedures, Incisional Hernia Repair Procedures, Inguinal Hernia Repair...

TipRanks

What kind of stocks stir up controversy like no other? Penny stocks. These tickers trading for less than $5 per share have earned a reputation as some of the most divisive names on Wall Street, with these plays either met with open arms or given the cold shoulder.Its understandable why some investors are wary. Those opposed are quick to point out that there could be a very real reason these stocks are changing hands for pocket change, with the low share prices often masking obstacles like weak fundamentals or troubling headwinds. That said, others are drawn in by the sheer growth potential of penny stocks. The fact is that even minor share price appreciation can mean huge percentage gains, and thus, serious returns. Whats more, your money goes further with these bargain names.No matter which side you take, one thing is certain, due diligence is necessary before making any investment decisions. Thats where the experts come in, namely the analysts at Roth Capital. These pros bring experience and in-depth knowledge to the table.With this in mind, our focus turned to two penny stocks that have received a thumbs up from Roth Capital analysts. Running the tickers through TipRanks database, both have been cheered by the rest of the Street as well, as they boast a Strong Buy analyst consensus. Not to mention substantial upside potential is on the table.Cellectar Biosciences (CLRB)Leveraging its patented phospholipid drug conjugates (PDCs) delivery platform, Cellectar Biosciences develops cutting-edge treatments for cancer. Based on the potential of its drug candidate, CLR 131, and its $1.24 share price, Roth Capital thinks that now is the time to get in on the action.Representing the firm, analyst Jonathan Aschoff tells clients that he is optimistic about CLR 131, which is a small-molecule, targeted PDC designed to deliver cytotoxic radiation directly and selectively to cancer cells, in the lymphoplasmacytic lymphoma (LPL)/Waldenstrom's macroglobulinemia (WM) indications. According to Aschoff, following its Type B guidance meeting with the FDA, CLRB is prepared to initiate its first pivotal CLR 131 trial in LPL/WM after achieving a 100% ORR and 75% major response rate in four patients. He points out that although CLRB just reported promising results in multiple myeloma (MM) (40% ORR in triple class refractory (TCR) patients at total body doses of at least 60mCi), LPL/WM was selected for the initial pivotal trial based on the very strong initial results and the lower competition for patients.We view this as a prudent decision because NCCN compedia listing in MM is a mere peer-reviewed publication away, if first approved in LPL/WM. We also note that CLRB has steadily improved its dosing of CLR 131, essentially fractionating the doses so that higher total body doses are well tolerated, Aschoff further explained. Adding to the good news, the therapy generated activity in preliminary Phase 1 unresectable brain tumors. Aschoff added, Disease control was shown in two heavily pretreated patients with ependymomas, showing the drug's ability to cross the blood brain barrier, and all doses through 60 mCi/m2 have exhibited a favorable safety profile.To this end, Aschoff rates CLRB a Buy along with a $10 price target. Investors could be pocketing a gain of 713%, should this target be met in the twelve months ahead. (To watch Aschoffs track record, click here)Are other analysts in agreement? They are. 5 Buys and no Holds or Sells have been issued in the last three months. So, the message is clear: CLRB is a Strong Buy. Given the $5.48 average price target, shares could soar 345% from current levels. (See CLRB stock analysis on TipRanks)Applied Genetic Technologies (AGTC)With vast gene therapy experience, Applied Genetic Technologies designs and constructs all critical gene therapy elements and brings them together to develop successful treatments for patients. Currently going for $4.50 apiece, Roth Capital believes this stocks long-term growth narrative is strong.Firm analyst Zegbeh Jallah points out that recently released data for its XLRP gene therapy program, which is expected to enter pivotal studies in Q1 2021, reaffirmed his bullish thesis. Despite the market not fully appreciating the data given how the stock traded, we continue to believe that the results suggest that AGTC could have a best-in-class therapy, which is supportive of the planned pivotal efforts, he explained.Providing an update on the results of the Phase 1/2 XLRP study, using the FDA's criteria, AGTC evaluated responses at 12 months in the lower dose groups (2 and 4), and 6 months in the higher dose groups (5 and 6). According to Jallah, initial responses were observed in dose Groups 2, 3, 4, 5 and 6, with impressive response durability even at 12 months.On top of this, at 6 months, the dose used in Group 5 resulted in a 43% response rate or a 57% response rate if excluding a patient not meeting the enrollment criteria. In Group 6, a response rate of 50% was observed, or 100% excluding patients not meeting the enrollment criteria.Jallah added, All measurements were obtained in the 36 perimetry grid, which we believe should make it easier to preselect loci likely to respond. Although BCVA is not the primary endpoint, BCVA improvements, which can capture changes in the central region, were maintained at 12 months.Even though some investors have expressed concern about Meiras competing therapy, Jallah believes AGTCs technology could have a leg up. Overall, we believe that the data from both companies is strongly indicative of the efficacy potential of gene therapy for inherited retinal disease, and although differences in the study design makes direct comparisons difficult, we believe that AGTC could have a competitive advantage heading into pivotal studies, he commented.In line with his optimistic approach, Jallah reiterated a Buy rating and $30 price target, indicating 568% upside potential. (To watch Jallahs track record, click here)All in all, other analysts echo Jallahs sentiment. 5 Buys and zero Holds or Sells add up to a Strong Buy consensus rating. The average price target of $18.25 is less aggressive than Jallahs but still leaves room for upside potential of 306%. (See AGTC stock analysis on TipRanks)To find good ideas for penny stocks trading at attractive valuations, visit TipRanks Best Stocks to Buy, a newly launched tool that unites all of TipRanks equity insights.Disclaimer: The opinions expressed in this article are solely those of the featured analysts. The content is intended to be used for informational purposes only. It is very important to do your own analysis before making any investment.

More:
United States Department of Defense Information Technology Report 2020-2025: Industry Convergence Propels the Industry - Yahoo Finance

CHICAGO--(BUSINESS WIRE)--The AZEK Company (NYSE: AZEK) (AZEK), an industry-leading manufacturer of beautiful, low-maintenance and sustainable residential and commercial building products, is proud to announce the newest additions to their innovative line of products. AZEK Shingle Siding with PaintPro Technology and AZEK Capped Polymer Cladding combine the natural aesthetics of premium wood with the long lasting, low-maintenance durability of PVC.

AZEK Shingle Siding with PaintPro Technology features vertical woodgrain texture, varied-width shingle tabs and true varied-width keyways, giving it the most natural look with a panelized Shingle Siding product on the market today. The line is available in two classic stylesStraight Edge Shingle or Staggered Edge Shingle. Both Straight and Staggered patterns are easily adaptable to complement the entire home exterior allowing for maximum design flexibility. And because each style is made from state-of-the-art proprietary engineered polymer enhanced with AZEKs revolutionary PaintPro Technology, the panels are moisture-resistant, accept paint easier and dry faster than ever before. The AZEK Shingle Siding is available nationwide and is backed by the AZEK Limited Lifetime Warranty for residential and a 20-Year Commercial Warranty.

AZEK Capped Polymer Cladding gives homeowners the look of contemporary wood cladding without requiring the constant maintenance that real hardwoods demand. Made with recycled materials and featuring a beautiful woodgrain texture and natural color variations, AZEK Capped Polymer Cladding is the most authentic looking hardwood alternative on the market. Plus, AZEKs Fade and Stain Warranty will help maintain the rich-authentic wood look for years without the need to paint, seal or stain. The product is available in open-joint square shoulder boards and closed-joint tongue and groove profiles. To ensure maximum design flexibility, each version features multi-width options. Installed as a rainscreen, the system manages water and promotes proper airflow which limits the adverse effects of water on the building envelope. The AZEK Capped Polymer Cladding has the broadest code compliance research report (CCRR) in the industry (types I-VB construction). The product is also backed by the AZEK Limited Lifetime Warranty and a 50-Year Fade and Stain Warranty for residential, and a 30-Year Limited Warranty and 30-Year Fade and Stain Warranty for commercial.

We are excited and proud to introduce these innovative new products, said Patrick Barnds, SVP of Product Management. AZEK Shingle Siding and the AZEK Capped Polymer Cladding offer the most authentic alternatives to painted shingle siding and natural hardwoods. We are confident both of these products will create beautiful, long-lasting and easy to maintain building exteriors.

For additional information on The AZEK Company and our full line of products please visit azekco.com.

The AZEK Company

The AZEK Company Inc. is an industry-leading designer and manufacturer of beautiful, low- maintenance residential and commercial building products and is committed to innovation, sustainability and research & development. Headquartered in Chicago, Illinois, the company operates manufacturing facilities in Ohio, Pennsylvania and Minnesota. For additional information, please visit azekco.com.

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The AZEK Company Expands Their Exterior Offerings with the Launch of Two New Products - Business Wire

Here's your holiday gift guide for the home

Not sure what to get everyone on your list this year? You likely arent alone. After such a defining period, where most of us have ended up spending more time than ever at home, what could be more appreciated and useful right now than gifts for our living spaces? Whether you need to buy something meaningful to give family youre unable to visit this year, a unique piece of art, something luxurious to a new home-owner, or design-forward items for the home-chef, here are the best home and decor gifts to give and receive in 2020.

Rifle Paper Co Wireless Charger

Wireless not styleless

Everyone on your list needs to charge their smartphone, so why not do it in style?The Rifle Paper Co Wireless Chargerlooks chic on a nightstand, desk, or side table. It can easily be mistaken for a ring dish rather than a functional piece of technology. Available in two of the brand's beautiful print designs, Wildflowers and Garden Party Bluethis device is compatible with most smartphones and Airpods.

Dose Of Roses Burgundy Rose Bear

Cute but not hugable

This adorablycharming bearfrom Dose of Roses isnt for cuddling. Fourteen inches high, it looks beautiful on a shelf, bookcase, or even as a table centerpiece. Made from eternity roses, it lasts a lifetime, which is far better than a typical bouquet. Not into burgundy? Bears are also available in classic red, blue, and pink colors.

Paynes Gray Terrazzo Wine Cooler

Toast to terrazzo

For someone who appreciates wine and decor equally, its impossible to go wrong with theTerrazzo Wine Coolerfrom Paynes Gray. This useful accessory is very much on-trend right now and a great accent for a bar cart or simply to decorate the table during meals and celebrations. Not into wine? Terrazzo trays and platters as well as a picture frame are also for sale.

MOMA Store Color Accent Red Wine Glasses Set

Cheers to the holidays

If youre giving someone a bottle of wine for the holidays, why not level up your generosity and include a set ofMOMA Store Color Accent Red Wine Glasses? Designed by Matteo Monni, these glasses are handmade from borosilicate glass with colored accents that wont fade over time. Choose from two color schemes: Green/Yellow and Blue/Red.

Adorn Decor Jemma Charcuterie Board

Handmade and thoughtful

What good is a glass of wine without acharcuterie board? With a simple but beautiful aesthetic, the Jemma Charcuterie Board is handcrafted from olive wood. It can be used for serving as well as for decorative purposes, leaning against a kitchen backsplash as a an accent piece. Its an easy choice for a new homeowner or home chef who is likely to make use of this gift for years to come.

The Brooklyn Teacup Serving Stands

The Brooklyn Teacup's stands with Mini Melanie Dessert

If youve ever inherited a set of China, dont plan on using it, and dont know what to do, send it toThe Brooklyn Teacupby December 15th for Christmas delivery. They can upcycle old dishes into tiered serving pieces and ring holders. Then send each member of your family something special.

Or if you know someone who appreciates China or antiques, the brand already has a variety of pre-made items created from classic and rare patterns.

Elizabeth Sutton Fine Art Prints

All is calm, all is bright with these prints.

Artist Elizabeth Sutton launched a collection offine art printsjust in time for the holidays. Her whimsical style and vibrant use of color is a welcome addition to any room in the home. Several sizes, designs, and framing options are available. Any budding or experienced collector will appreciate the quality and style of this talented artists highly coveted work.

Betsy Enzensberger x ArtSugar Popsicle Sculptures

Betsy Enzensberger x ArtSugar Popsicle Sculptures make a sweet gift

If youre looking to give someone a one of a kind piece of art this holiday, look no further than Betsy EnzensbergersPopsicle Sculpturesfor ArtSugar. Made of ink, resin, and wood, each piece is unique with a colorful pop and garnishes housed in a stemless wineglass. Whether you prefer something bright pink to display all year long or perhaps a more classic holiday design, the difficult part is choosing which one.

Swirl Boutique Aura Cozy Candle

Create an instant ambiance of cozy

Its impossible to go wrong with a candle. Everyone appreciates them and theyre also worth stocking up on as an ideal last-minute gift for the person you (almost) forgot. TheAura Cozy Candlefrom Swirl Boutique is the perfect addition to any home. With a gourmand scent featuring notes of gingerbread, cinnamon, ginger, and cardamom, the warm vessel even has a bamboo top, which can be used to cover the candle or re-purpose as a coaster. With a 40-hour burn time, home can smell like the holidays all season long.

Tuxton Fry Pan Skillets

Cook in style

Were all cooking a lot more at home this year, so why not give the gift of better meals with a set offrying pan skilletsfrom Tuxton? This non-stick cookware is coated in ceramic and chemical-free to support a healthy lifestyle. Better yet, its truly design-forward with several colors available including Cobalt Blue, Blush Pink, Cayenne Red, Saffron Yellow, and Cilantro Green in addition to the classic black.

These pans add a decorative element to everyday cooking and particularly appeal to someone who stores their pans out on hooks in the kitchen or likes to post on Instagram. And unlike most nonstick cookware, this set is dishwasher safe.

Dyson Lightcycle Morph

Modern, smart, and chic.

Dyson is one of those brands that takes innovation to a new level through design. The modernLightcycle Morphis no exception. It is an essential lamp for anyone working from home, particularly in a room that doesnt have an abundance of natural light exposure.

This smart device connects through an app and tracks the local time and temperature to adjust brightness accordingly. It also has sensors that adjust when you leave the room, saving energy. With a variety of modes for different tasks, this also raises the bar for what smart lighting can be.

August & Leo 100% Silk 3-Piece Gift Set

A perfect gift for everyone

Looking for a thoughtful gift that will be appreciated equally by people youre close to like a best friend just as much someone you dont know as well? Designed by Giuliana Rancic and interior designer Lonni Paul, thisgift setfrom August & Leo is exactly what youre looking for. Packaged perfectly for gifting, it features a silk pillowcase (which is a game-changer for skin and hair) with a matching scrunchie and sleep mask. Its made in a variety of colors including White, Wine, Blue, and Mulberry.

Riley Baratta Percale Bundle

This bedding is an everyday luxury

Its impossible to find a more useful gift than luxury bedding. TheBaratta Percale Bundlefrom Riley has a minimalist, yet interesting design that compliments any style room from traditional to contemporary and even modern. Made from premium long-staple cotton percale, each set has a duvet cover, two shams, two pillowcases a fitted sheet, and a flat sheet. Choose from True Navy, Slate, and White.

Anaya Home Pink Tie Dye Throw Blanket

Tie dye is going from fashion to home

Tie-dye couldnt have been more popular this year for fashion and now the look is transitioning to home design. Made of 100 percent cotton, this boho-style throwadds a perfect pop of color to a sofa or bed with minimal effort. Who cant use an extra throw blanket?

FluffCo Pillows

Like clouds

If you cant go to a hotel this holiday season,FluffCopillows are the next best thing. Theyre made in the same factory as the pillows youll find at 5 Star hotels but cost approximately half the price. Not only are they incredibly comfortable, they automatically make your bed looks more luxurious. Choose from firm or soft pillows in feather down as well as vegan down alternative

Herman Miller Aeron Chair

This chair is a modern classic

Having a more comfortable chair in your home office can instantly boost productivity. TheAeron Chairfrom Herman Miller has a sleek modern design integrated with PostureFit SL technology to maximize ergonomics and improve posture. Several features are customizable including size, arm pad, tilt, back support, and color. With a 12-year warranty, this gift will be appreciated for years to come.

Mackenzie Childs Courtly Check Enamel Pet Dish

Kitty and pup approved.

Dont forget the furriest members of the family. TheMackenzie Childs Courtly Check Enamel Pet Dishfeatures the brands signature check design. Its a thoughtful gift to give someone with a more traditional to contemporary style aesthetic. Made of ceramic, but far more durable than the average pet dish, it has a heavy gauge steel underbody which helps it withstand the appetites of even the hungriest creatures.

Crate And Barrel 12 Days Of Christmas Appetizer Plates With Stand

Great for hosts or yourself

Start a new tradition with these cheerfulappetizer platesfrom Crate and Barrel. Equally chic and decorative, its the ideal gift or receive in 2020 because it prevents everyone from eating off the same platter or accidentally taking from another person's dish. The stand is a convenient bonus.

Knackshops Salad Gift Set

Knack Salad Course Gift Box

Knack is an excellent source for gift boxes across a variety of categories from the kitchen to spa and entertaining with go-to options that will make everyone on your list smile.

The Salad Courseis no exception. It has a large lemon print salad bowl as well two smaller ones, a matching tea towel, and bottles of oil and vinegar. Its a thoughtful present to send that person you wish you could see right now. But still, theyll think of you every time they use these bowls.

Spark Grills

A cream-colored Spark Grill

Most appliances dont exactly win points for design, but notSpark Grills. Innovative in every way, this charcoal and wood grill has the precision control of a gas grill for the best flavor possible. Better yet, they have a design-forward aesthetic with a variety of colors available including aqua, cream, and navy as well as black.

Read more:
The Best Home And Decor Holiday Gifts of 2020 - Forbes

SANTA ANA, Calif.--(BUSINESS WIRE)--First American Financial Corporation (NYSE: FAF), a leading global provider of title insurance, settlement services and risk solutions for real estate transactions, today released the September 2020 First American Real House Price Index (RHPI). The RHPI measures the price changes of single-family properties throughout the U.S. adjusted for the impact of income and interest rate changes on consumer house-buying power over time at national, state and metropolitan area levels. Because the RHPI adjusts for house-buying power, it also serves as a measure of housing affordability.

Chief Economist Analysis: Affordability Declines Nationally for Second Straight Month

Affordability declined month over month in September for the second month in a row, even as two of the three key drivers of the Real House Price Index (RHPI), household income and mortgage rates, swung in favor of increased affordability, said Mark Fleming, chief economist at First American. The 30-year, fixed-rate mortgage fell by 0.05 percentage points and household income increased 0.2 percent compared with August 2020. Rising household income and declining mortgage rates each boost consumer house-buying power.

However, rising house-buying power drives greater demand, and surging demand in a supply-constrained market fuels faster nominal house price appreciation. This is exactly what occurred in September, as nominal house prices, the third component of the RHPI, appreciated at its fastest monthly pace since 2013, said Fleming. The rapid house price appreciation was enough to overcome the benefit of increased house-buying power. But, real estate is local and house-buying power and nominal house price gains vary by city, so the national perspective may not tell us much about whats happening to affordability where you live.

The Five Cities Where Affordability Declined the Most

Declining mortgage rates increase affordability equally in each market as mortgage rates are generally the same across the country. However, household income levels and nominal house prices vary by market, so the affordability dynamic varies as well, said Fleming. Of the 50 markets we track, affordability declined in 41 of them month over month. The five markets with the highest month-over-month decline in affordability were:

Affordability Story Differs Based on Local Dynamics

In September, Kansas City, Mo. had the greatest month-over-month decrease in affordability, mostly due to of the 1.7 percent monthly decline in household income, the largest household income decline relative to the other four markets, said Fleming. Las Vegas and Philadelphia both had faster nominal house price appreciation than Kansas City, but their household incomes did not decline by nearly as much.

Finally, the remaining cities on the list, Pittsburgh and Portland, demonstrate the intricate dance between house-buying power and nominal house price appreciation. Pittsburgh and Portland both experienced a 1.6 percent decline in affordability in September, but for different reasons, said Fleming. Pittsburghs decline in household income was marginal and not enough to offset the affordability boost from lower mortgage rates, so house-buying power improved in the steel city. Yet, Pittsburghs nominal house price appreciation was the fastest of the five cities, outpacing house-buying power, so affordability waned. While Portlands nominal house price appreciation was slower than Pittsburgh, house-buying power declined significantly more due to falling household income, resulting in the same decline in affordability as Pittsburgh.

What Will Drive Housing Affordability in 2021?

The good news is that on a year-over-year basis affordability declined in only 13 of the top 50 markets, and housing remains 5 percent more affordable nationally than a year ago. However, the list of markets with declining affordability on an annual and monthly basis has swelled in recent months, said Fleming. The growing number of markets where affordability is declining demonstrates the dynamic we expected to see the strong growth in house-buying power in 2020 has boosted demand in a historically supply-constrained market, putting tremendous upward pressure on nominal house price appreciation.

Faster nominal house price appreciation can erode, or even eliminate, the boost in affordability from lower mortgage rates, especially if household income growth doesnt keep up, said Fleming. With mortgage rates expected to remain low in 2021 and supply expected to remain constrained, affordability trends will be closely tied to shifts in household income in the months ahead.

September 2020 Real House Price Index

September 2020 Real House Price State Highlights

September 2020 Real House Price Local Market Highlights

Next Release

The next release of the First American Real House Price Index will take place the week of December 28, 2020 for October 2020 data.

Sources

Methodology

The methodology statement for the First American Real House Price Index is available at http://www.firstam.com/economics/real-house-price-index.

Disclaimer

Opinions, estimates, forecasts and other views contained in this page are those of First Americans Chief Economist, do not necessarily represent the views of First American or its management, should not be construed as indicating First Americans business prospects or expected results, and are subject to change without notice. Although the First American Economics team attempts to provide reliable, useful information, it does not guarantee that the information is accurate, current or suitable for any particular purpose. 2020 by First American. Information from this page may be used with proper attribution.

About First American

First American Financial Corporation (NYSE: FAF) is a leading provider of title insurance, settlement services and risk solutions for real estate transactions that traces its heritage back to 1889. First American also provides title plant management services; title and other real property records and images; valuation products and services; home warranty products; property and casualty insurance; banking, trust and wealth management services; and other related products and services. With total revenue of $6.2 billion in 2019, the company offers its products and services directly and through its agents throughout the United States and abroad. In 2020, First American was named to the Fortune 100 Best Companies to Work For list for the fifth consecutive year. More information about the company can be found at http://www.firstam.com.

Excerpt from:
Top Five Cities Where Affordability Declined the Most, According to First American Real House Price Index - Business Wire

We can get product and service warranties on just about anything we buy these days. So, why not on a house? Whether you are selling a home, renting it out, or buying one, a home is one of the largest investments anyone can make. With a home warranty plan, you can help preserve that investment. The best home warranty providers offer 24/7 customer support and a wide range of plan coverage. Check out reviews of AFC Home Club to help narrow down your search. If youre still unsure why a home warranty plan is worth the investment, continue reading to learn more about its advantages.

The same goes for many renters who may not have the extra funds for such expenditures. A home warranty is undeniably a good incentive for you as a seller to offer. You can give your potential buyers or tenants peace of mind since they dont have to worry about the integrity of the appliances, systems, and other materials covered by the warranty plan.

A home warranty plan can help you anticipate these out-of-pocket expenditures. Instead of wild-guessing how much the system or appliance breakdown will cost, youll now have a better idea of what expenses to anticipate. This will help you with household budget planning. Some companies offer a one-time annual payment, while others provide an option of dividing the cost, allowing you to pay monthly. You will also know the repair or replacement amount in advance when the service contractor arrives at your home to check the covered problem and fix it.

It doesnt matter if you own a home and plan to sell it soon or if youre looking to buy a new one. A home warranty plan can greatly benefit you. Its an excellent complement to a standard homeowners insurance. While both give you more financial control, the two are separate entities. Its important to understand that a home warranty is not a substitute for home insurance. A home warranty plan will protect your homes major systems and appliances as they age. It lets you save money when your dishwasher or water heater suddenly stops working. These kinds of repair and replacement will not be covered by standard home insurance. The insurance policy will protect you from unforeseen events, such as home invasion or fire damage.

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Advantages of a Home Warranty - The Union Journal

If you own a home, you know a house is a big commitment. You have a commitment to your town, your neighbors, and yourself to keep your property presentable. You likely have a commitment to the bank as well. When you rented, your landlord was responsible for this mess of responsibilities. As a homeowner, you inherit this mess as well as the house. Homeowners are expected to maintain the lawn, deal with pests, regularly maintain and repair the property, and pay for it.

Lawns vary as much as houses. The amount of work you do to your yard depends on the size of the lawn and whether or not you have extensive landscaping duties. All yards require regular cutting, weed pulling, and litter control. Some yards are filled with shrubs, trees, and maybe a garden that also needs maintenance. Gutters need cleaned to avoid roof damage. You owe it to your community (and your house) to keep up with your lawn and any plant life that thrives (or dies) in your yard.

No one wants pests wandering around their homes. Some are just an annoyance, and others wreak havoc to the property itself. Termites, for instance, eat away at the structural wood of the house. If they are allowed to continue, termites can go so far as to eat away at your furniture. Rodents are notorious for chewing on insulation around electrical wiring, thereby increasing the likelihood of a fire. Homeowners must pay for everything to remove the pests and repair the damage they did while they were visiting. Regularly inspect your home for pests, so you know the moment they move in.

Properties decrease in value when they are ignored and neglected. No matter the size of your property, every homeowner should do routine maintenance. Appliances like refrigerators, clothes washers, and water heaters are your responsibility. You will have to replace furnace filters, air conditioner filters, and circuit breakers. You must pay to resolve plumbing issues, and you'll probably need to pay to empty your septic tank on occasion. You'll also need to monitor your home for water damage, weather damage, and a whole host of safety hazards like a fire. You must maintain your property to keep it valuable, but you must also keep up with it to keep it standing.

You should have a fund ready to be put to good use. First of all, you'll have to pay your taxes. You might also have mortgage payments, and you'll definitely have to pay for any home repairs. Home maintenance and home repair can be costly, but cost is less when you take care of it right away. You can remove some of the burden when you make payments to a warranty provider. Home warranty companies in Missouri, Montana, Mississippi, Maine, and every state in between help you handle home repair costs. You must have a fund set aside to pay for your home, whatever that entails.

Owning your home is a big commitment. Homeowners must maintain the property. There's the lawn, extermination of pests, home maintenance, home repairs, taxes, and mortgage payments. Warranty providers can help remove some of the burdens, but it's ultimately your responsibility. You should know what to expect from owning your home and be willing to take on the challenge.

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Blog: Your Responsibilities as a Homeowner (10/21/20) - Southeast Missourian

Nestled in an idyllic serene setting in the gated community of Falling Waters this stunning Ranch boasts 4 bedrooms, 4 bathrooms, & open floor plan perfect for day to day living & entertaining. This custom home features a grand entrance, formal dining, cathedral ceilings, 8ft doors, TONS of natural lighting, backyard oasis w/covered porch, inground pool, private deck, & more. This carefully & thoughtfully crafted home sparing no expense is sure to help you decide, this is the one! The eat-in kitchen features beautiful soft close cabinetry, a custom backsplash, granite counter tops, & built-in SS appliances. Off the kitchen rests the hearth room, where you will enjoy the most amazing views while relaxing by the fireplace. Retreat to the master bedroom, w/a beautiful executive style en-suite bath, & private access to porch. The finished basement includes a study, 4th bedroom, bath, wet bar, & amazing recreational space. 2x6 wall construction, Andersen Windows, 3 zone HVAC, & irrigation.

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30 of the Most Expensive Homes for Sale in Northwest Indiana - nwitimes.com

Picking a new mattress can feel confusing, overwhelming, and downright expensive. But, its still important to make a great decision that suits your individual needs as a sleeper and its surprisingly possible to do so on a budget.

Many mattress companies offer mattresses with a luxurious feel at an affordable price point. We researched the best on the market to help you find an amazing mattress at an amazing price.

Pricing for mattresses depends on what size youre looking for. We based our price comparisons on a standard queen size mattress.

The Nectar Memory Foam mattress packs in a bunch of luxury features at a great price, such as a quilted cover made from super soft and sustainable Tencel fibers, as well as a gel memory foam layer to promote airflow and keep you cool. Its great for nearly every sleep position since the gel memory foam provides close body contouring and great pressure relief. The all foam construction is also good for motion isolation, so you wont get woken up by a partner or pet.

Not to mention, Nectar has an industry-leading 365-day trial period and a lifetime warranty, a huge perk when selecting a new mattress.

Buy the Nectar Memory Foam Mattress online.

A 2015 study found that medium-firm mattresses can help reduce back pain and promote sleep comfort. Most mattress companies call their medium-firm mattresses luxury firm or say they fall between a 5 to 7 on a 10-point firmness scale. The Saatva Classic Mattress has a luxury firm option, making it a good choice for those with back pain.

Even better, Saatva mattresses are specifically designed for a pain-free sleep, and this hybrid mattress is even approved by the Congress of Chiropractic State Associations. It has a unique memory foam layer designed to relieve lumbar tension. Reviewers with back pain and arthritis say this mattress balances softness and support.

This mattress is one of the more expensive options on our list likely due to the hybrid construction and different materials used. Even so, its still priced lower than many luxury hybrids on the market.

Buy the Saatva Classic Mattress online.

Side sleepers need a balance of pressure relief and support for their ideal mattress. Both the Helix Midnight and Midnight Luxe are made specifically with side sleepers in mind and have targeted support for the hips, shoulders, and neck.

The top memory foam layer relieves pressure and keeps your spine aligned, while the middle wrapped coil layer is designed to cradle and support your body. The result is an award-winning, but still affordable mattress.

Buy the Helix Midnight online.

Casper is a leader in the affordable bed-in-a-box marketplace, and their entry-level mattress is a simple, yet versatile, option. The top layer of foam in the Casper Element is perforated, promoting airflow to reduce heat. The second layer is a dense base to provide support.

Reviewers rave about the unbeatable price and smart packaging of the Casper Element, as well as the great motion isolation. But, this mattress may be too soft for stomach sleepers, who might feel extra pressure in their hips and lower back when sinking into a softer mattress.

Buy the Casper Element Mattress online.

The Cocoon Chill is a bed-in-a-box option from Sealy, one of the oldest and most reputable mattress brands. Its unique stretch-knit cover is designed to respond to temperature changes, dissipating heat when your body feels hot and retaining heat when it feels cool. This three-layered mattress adapts to your body and sleeping style while still bouncing back and allowing movement.

The medium-soft option is best for combination or side sleepers, while the extra-firm option is best for back sleepers. Even though this mattress gets great reviews, some reviewers complain that this mattress doesnt have the best edge support which is how supported a mattress feels when you sit on or lie near the edge of it.

Buy the Cocoon by Sealy Chill Mattress online.

Latex mattresses are known for their bounce and responsiveness, conforming to your bodys contours while also snapping back to shape when you roll over or get up. They can also be great for reducing pain: A 2017 study showed that latex mattresses can be better than foam mattresses at reducing pressure on the torso and backside.

The Elements Latex has impressive features at a stellar price point for a latex mattress. It comes in two thicknesses and three firmness options, all made with OEKO-TEX class 1 certified Talalay latex over a dense foam base. Reviewers liked this alternative to an all foam mattress for its firmness and gentle bounce.

Keep in mind that this mattress does not have an inner-spring system, so some people with higher body weight may not get the support they need.

Buy the Dreamfoam by Brooklyn Bedding Elements Latex here.

A high quality, affordable mattress with Prime shipping? Say no more. This adaptive foam mattress has over 10,000 reviews on Amazon with a 4.5 star overall rating. Its proprietary foam adjusts to your sleep position throughout the night and helps distribute weight evenly, making it an excellent choice for back sleepers. This medium firm option provides good support for your back, shoulders and neck.

Tuft & Needle offers the same 100-night sleep trial on Amazon that they offer through their site, which isnt always the case among other mattress brands.

Buy the Tuft & Needle Original Mattress online.

Every Avocado mattress is Greenguard Gold certified, meaning that they meet strict third-party emissions standards for chemical exposure and pollutants. The Green Mattress also features organic latex, cotton, and wool and comes in a vegan option without wool.

This hybrid mattress has a latex top layer and a second layer of individually pocketed coils, arranged in five ergonomic zones. Both the latex and coils provide bounce and support for your shoulders, hips, spine and knees.

The Green Mattress comes in a standard 11-inch style and a 13-inch pillow top version, which many reviewers say adds the necessary cushioning for side sleepers.

This is also another higher-priced option on our list this tends to be typical of organic mattresses, due to the high quality nontoxic materials used in their construction.

Buy Avocado Green Mattress online.

Hybrid mattresses are made with both foam and innerspring elements. These are great for all body types because the springs offer more support than a simple all foam mattress.

The Allswell Luxe Hybrid is made of two top foam layers designed to relieve muscle and joint pain. The top memory foam layer is even antimicrobial and infused with copper to reduce heat. The third layer is made of 8-inch individually wrapped coils that provide great support, including exterior rows for extra edge support.

This mattress could be an excellent option if youre a back or stomach sleeper, since the firmness will help to keep your back and hips elevated and help with alignment. Reviewers also say it works well for combination sleepers and partners with different sleeping styles.

Buy The Allswell Luxe Hybrid online.

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9 Best Affordable Mattress of 2020 - Healthline