A Tour of Bob Marley's House in Nine Mile, Jamaica

Table Of Content

• Contents
• Experience a traditional colonial Jamaican building
• Island Guide
• Watch a movie in Bob Marley's recording studio
• Music, Art & Culture Collide At The Bob Marley Museum In Jamaica
• Combo “One Love” Tour

Many of Marley’s children followed his footsteps into the music industry. For years, Ziggy, Stephen, Cedella, and Sharon played together as Ziggy Marley & The Melody Makers. Other Marley children are involved in family-related businesses, including the Tuff Gong record label, founded by Marley in the mid-1960s. The decoration and furnishings are as colorful and vivacious as Bob himself.Bob’s work will surround you. That painted rock he used to sit upon outside the house, painted with Rasta motifs?

Contents

The Wailers’ big break came in 1972 when the band landed a contract with Island Records. Marley went on to sell more than 20 million records throughout his career, making him the first international superstar to emerge from the so-called developing world. A father to 11 children, Marley died from cancer in May 1981 at age 36. Rita also established the Bob Marley Museum at the site of the musician’s home in Kingston, Jamaica, from 1975 until his death. The museum has numerous personal items belonging to Marley on display and also features a theater, photo gallery, and record shop. The hour-long tour provides fascinating insights into the reggae superstar's life after moving Uptown.

Experience a traditional colonial Jamaican building

Bob Marley, a household name in Jamaica and a reggae icon elsewhere, was really one of those personalities that put Jamaica on the map. The smooth reggae grooves of this beloved artist are adored throughout the world, as are most things Bob Marley-branded. The truly timeless Bob Marley paved the way for other reggae artists and, although his life was cut short at a young age, his legacy and his impact on those following in his footsteps lives on through his music. Some say a visit to “the Graceland of Reggae” is a spiritual experience.

Island Guide

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Photographer Neville Garrick captures Bob in a set that inspired the Rastaman Vibration cover art. European powerhouse Mediawan has acquired Leonine, a leading production and distribution group active in German-speaking markets. With a far slicker production than the WHCD has seen for several years, tonight’s gathering went fast for the laughs.

Watch a movie in Bob Marley's recording studio

His gold and platinum records are there on the walls, alongside Marley’s favorite denim stage shirt, and the Order of Merit presented by the Jamaican government. One room is entirely wallpapered with media clippings from Marley’s final tour; another contains a replica of Marley’s original record shop, Wail’n Soul’m. Marley’s simple bedroom has been left as it was, and next to it is the kitchen were he'd fix healthy fresh juices. At the rear of the house you'll see the spot where gunmen attempted to kill him in 1976.

Photography isn't allowed inside the house, but you'll almost certainly be instructed to sing 'One Love' at some point. It's possible to buy a joint ticket that includes entry to the Tuff Gong studios. This 75-minute cultural excursion is a leisurely walk and is partially handicap accessible for guests with collapsible wheelchairs and walkers. Please be mindful, however, that the house itself is a two-storey building with narrow stairs. We suggest international guests wear comfortable clothing including walking shoes.

Music, Art & Culture Collide At The Bob Marley Museum In Jamaica

Despite the attack and after much deliberation, Marley still played at the show. The motivation behind the attack was never uncovered, and Marley fled the country the day after the concert. The former recording studio out back is now an exhibition hall with some wonderful photos of Bob, and a theater, where the tour closes with a 20-minute film.

Bob Marley's Delaware House: What Happened to It? Reggae King's Home Revisited

Sounds from the United States also drifted in over the radio and through jukeboxes. Marley liked such artists as Ray Charles, Elvis Presley, Fats Domino, and the Drifters. Ben-Adir initially felt he wasn’t a fit for the role, as he couldn’t sing or dance. “My question was if [the casting personnel had] been on a worldwide search, and they said yes.

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Pierre-Antoine Capton’s Mediawan and Fred Kogel’s Leonine first partnered in 2020 when Mediawan acquired a 25% stake in Leonine. The two companies had joined forces to acquire Drama Republic, the award-winning U.K. Mediawan is controlled by Capton, Xavier Niel and Matthieu Pigasse with financial backing from KKR, among other long-term partners. With the acquisition of Leonine, Mediawan will boast a portfolio of 85 labels, a catalogue spanning 30,000 hours of premium content and revenues exceeding €1.3 billion ($1.4 billion).

While there you can even take a look at the spot where assassins tried to kill the reggae star in 1979, a day that all his loyal fans would definitely remember. On December 3, 1976, seven armed men raided the residence of reggae musician Bob Marley in Kingston, Jamaica, two days before Marley was to stage a concert in an attempt to quell recent violence [clarification needed]. Politicians from across the political spectrum hoped to capitalize on Marley's support. While Marley remained neutral, many viewed him as tacitly supporting the prime minister Michael Manley and his democratic socialist People's National Party (PNP).[1] Marley and four others were shot, but all survived.

Epicstream was founded in 2015 by people passionate about geek culture and we are committed to our mission of making the fast-moving world of entertainment accessible to everyone. All our writers and editors are passionate members of the communities they write for, and all articles are checked to ensure they reach our high journalistic standards before publishing. There is very little information on what happened to Marley's house in Delaware aside from the constructed playground, however, his house in Jamaica was transformed into a museum to immortalize his image and existence. The park is located right across the street from the homes that the iconic singer and his mom previously occupied. In honor of Bob Marley's former home on Tatnall St., the formerly named Tatnall Street Playground became "One Love Park" to remember the singer's hit 1977 song with The Wailers, "One Love/People Get Ready." Bob Marley's mother resided at Tatnall St. in Wilmington and was a proprietor of the Roots music store on Market St. Meanwhile, Bob would then move right next to her mom's house.

Today the house functions as combined tourist attraction, museum and shrine, and much remains as it was in Marley’s day. All the original rooms have been kept as they were when Bob lived here to ensure authenticity. Enter the Museum and allow us to envelop you with the sights and sounds of Bob, as you take a guided tour of this Jamaican Heritage Site. Our friendly, charming and knowledgeable guides will escort you through the grounds, which include the main house, exhibition hall, theatre, gift shops and the One Love Café. A group of gunmen attacked Marley & The Wailers while they were rehearsing on the night of December 3, 1976, two days before a planned concert in Kingston’s National Heroes Park. Fortunately, the Marleys weren’t severely injured, but manager Don Taylor wasn’t as lucky.

The original plan of the building was basically rectangular with a projecting portiere of the building having a room above and carport below. Above the main portion of the building is a tipped roof with an engaged gable segment covering the portico. Watch the original in-studio music video for "Could You Be Loved" below.

Jamaica National Heritage Trust Jamaica Bob Marley Museum

Table Of Content

• Mediawan Acquires Leading German Production-Distribution Group Leonine (EXCLUSIVE)
• Later Albums and Songs
• Travel Agent

Under the guidance of Joe Higgs, Marley worked on improving his singing abilities. He met another student of Higgs, Peter McIntosh (later Peter Tosh) who eventually played an important role in Marley’s career. Arriving in the Jamaican capital in the late 1950s, Marley lived in Trench Town, one of the city’s poorest neighborhoods. He struggled in poverty, but he found inspiration in the music around him. Trench Town had a number of successful local performers and was considered the Motown of Jamaica.

Mediawan Acquires Leading German Production-Distribution Group Leonine (EXCLUSIVE)

Leaning into Jost’s day job, a SNL sizzle reel of POTUS’ over the decades garnered huge laughs from the well-heeled crowd. You might call it stormy weather,” Biden quipped, referencing Trump’s current hush money trial. In 2001, Rita helped organize the rerelease of 18 of Marley’s albums. Marley’s death set off a legal battle over his estate, as he did not leave a will. According to Rolling Stone, his widow, Rita, was reportedly forced to sign a fake will in the late 1980s; the Jamaican government soon took control of the estate and sold it to the head of Island Records, Chris Blackwell. Rita, who was originally from Cuba but moved to Jamaica, sang in church growing up and joined a vocal group called The Soulettes as a teenager.

Later Albums and Songs

There are trinkets and drawings from fans who have visited the site, anxious to witness reggae’s greatest icon buried six feet over ground. The Morant Bay Courthouse, which was destroyed by fire on Monday, February 19, 2007, is an important part of St. Thomas's history. His home was always open, and people from all walks of life would come to hang out with Bob. Here, the Jackson Five stopped by right before their show together on March 5, 1975. Originally owned by Island Records founder Chris Blackwell as a guest space for visitors coming to Jamaica, Marley acquired the property during his contract renegotiation for Natty Dread in 1974.

Travel Agent

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After getting ripped off by producers in his first few years, Bob decided early on he wanted more control of his music. In 1970, he started a label and record shop in Trench Town called Tuff Gong. On the Marley tour, a knowledgeable Rasta guide—a Marley family member, if you’re lucky—offers in-depth stories about Bob Marley’s life, music and cultural legacy.

Yaaman Adventure Park! Letting Loose in Jamaica

The late Bob Marley and his widow, Rita Marley, have inspired the dishes prepared here. Having a quick bite at this café at the end of your tour is a delicious way to end your trip. Light finger foods such as jerk chicken, sandwiches, and fruit smoothies are served at the One Love Café as well. Dessert has not been forgotten, so be sure to pick up some chocolate brownies or pudding on your way out. The plaque is on the front of 42 Oakley Street, a house where Marley lived with his band the Wailers for a short time in the late 70s. When they were not recording they would make the short trip over the Albert Bridge to play football in Battersea Park.

Nearby Kingston attractions

The music label’s record shop has been recreated since then and it can be found inside the Bob Marley Museum. Exploring this room is a great way to experience a beautiful piece of musical history while learning more about Bob Marley and his famous band members. These included several other artists such as Peter Tosh, Junior Braithwaite, Beverly Kelso, and Bunny Livingston. Jamaican singer-songwriter Bob Marley helped introduce reggae music to the world and remains one of the genre’s most beloved artists, having sold more than 75 million records. In 1963, Marley and his friends formed The Wailing Wailers, which eventually became Bob Marley & The Wailers.

The legendary Reggae artist Bob Marley may have been born in Jamaica, but sometime in the early 1960s, his mother, Cedella, moved to Wilmington, Delaware after getting married to Edward Booker in 1963. We assume that the locals have heard every single lame pun using the name of the traditional spicy rub, and that you’ll be tempted to try the delicious jerk chicken (and your hacky comedic material) when you stop for lunch. Go on, book the tour and then, as the man himself suggested, “Don't worry… about a thing… 'Cause every little thing… gonna be alright”. It comes in through the Star of David, a symbol of the Rastafari ,” explains the tour guide. The tour guide delivers the last line as he look s up to the darkened sky and holds out his palm, catching light drops of rain on his hand.

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Fans are greeted with headphones at the Soul Shakedown studio to groove out to the curated playlist in the silent disco. A massive immersive experience celebrating Bob Marley is heading for its U.S. premiere early next year, complete with photographs, lots of music and even a pair of the reggae giant’s footwear. The 2012 documentary Marley, directed by Oscar winner Kevin Macdonald, combined interviews with unheard tracks and footage of Marley to tell the story of his life and career. Adored by the people of Jamaica, Marley was given a hero’s send-off. More than 30,000 people paid their respects to the musician during his memorial service, held at the National Arena in Kingston, Jamaica.

Walk the Land Proud: Tour Bob Marley's Nine Mile Home

Take in the modest, tin-roofed shanty where Robert Nesta Marley was born in 1945. Proving that big things can come from small beginnings; the house is nothing more than a sitting room and a tiny bedroom with an outdoor fire ring for cooking. Authentic and well-preserved, the cottage drives home the humble origins of the child who was raised in poverty, often went to bed hungry and later devoted himself to supporting Jamaica’s poor. The Bob Marley museum is situated on the site of the legendary musician’s home, which he purchased in 1975. This house, featuring 19th-century architecture, was Marley’s home until his transition in 1981. It was converted into a museum six years later by his wife, Mrs Rita Marley.

The main reason to take a trip to the Bob Marley Museum is to learn all about the man himself, his beliefs, and his way of life. This museum allows you to do just that and so much more as it serves as the final resting place of Bob Marley, his mother, and his half-brother. As you walk through his childhood home, be ready to explore rooms that personify his life and his many achievements — everything he accomplished before his untimely death at the age of 36. You will also get to witness artifacts including his records, clothing, and awards like the Order of Merit, which he received in February 1981. This was a great achievement for the young artist as it was, at the time, the third highest honor to be bestowed upon someone by the Government of Jamaica. His other prestigious awards include a posthumous Grammy Lifetime Achievement Award.

And I said maybe they should go on another one,” he quipped to Entertainment Weekly. However, the actor learned to play guitar and sang all the songs during filming, though only some of his vocals were used. Getting tickets to see the Bob Marley Museum is a good idea if you want to see how his legacy has helped to shape the entertainment scene. As the Bob Marley Museum is such an incredible historical site, it belongs on your Jamaica to-do list. This museum is the best way to not only learn about Bob Marley while in Jamaica but about Jamaican music and culture overall.

The musician set out to return to his beloved Jamaica one last time to receive the Order of Merit from the Jamaican government. Now living in London, Marley went to work on Exodus, which was released in 1977. The title track draws an analogy between the biblical story of Moses and the Israelites leaving exile and his own situation. The concept of Africans and descendants of Africans repatriating their homeland can be linked to the work of activist Marcus Garvey.

We partner with destinations for beach cleanups and conservation efforts to ensure beautiful beaches will be enjoyed for generations to come. Relax and enjoy a sumptuous meal from the One Love Café after you’ve completed your tour which offers a peek into every aspect of Bob Marley’s life.

12 Best Acrylic Nail Sets for DIY Manicures 2022

Table Of Content

• This Budget-Friendly Acrylic Nail Kit
• Czech glass nail file SET, 1 ea (3 1/2' and 5 1/2")
• Ejiubas Acrylic Nail Kit Gel Extension Set
• OPI Powder Perfection Nail Dip Powder
• Portable Crystal Glass Nail File with Case - 6 Colors. - For Nail Care & Manicure.
• BEST FOR NATURAL NAILS
• Luxury Black Nail Kit by Men & Nails
• Sally Hansen Salon Gel Polish Starter Kit

If you’re looking for something even more understated, don’t underestimate the impact of a single line. Try it with a few different colors on each nail for a simple yet eye-catching look. This Barbie loves this adorable gradient pink French manicure with little floral details.

This Budget-Friendly Acrylic Nail Kit

If you're new to the DIY acrylics game, your best bet is the Serendipity Dip Kit. It comes with three powder colors, plus a liquid bonder, activator, and finish gloss—all free of formaldehyde and phthalates. The gentle formula goes on easy, dries instantly, and lasts for up to three weeks.

Czech glass nail file SET, 1 ea (3 1/2' and 5 1/2")

Say goodbye to weak, brittle nails with the help of Barefoot Scientist's Nailed It Kit. The beauty brand specializes in tip-to-toe care, thanks to its gentler alternatives to nail care essentials. Use this kit between appointment to build the foundation for strong, healthy nails.

Ejiubas Acrylic Nail Kit Gel Extension Set

"Glass files are also trending." Admittedly, most manicure sets don't disclose their grit numbers, but files with dual grits can offer more variety. For example, Allen says clippers, nail files, alcohol wipes, and an oil or lotion are crucial for overall nail health. Three Swords Germany has been making premier nail care essentials since 1927, and with a compact carrying case, this four-piece kit is an excellent option for the well-groomed gent in your life. This manicure set might be small—there are two clippers to take on finger and toe nails, plus a set of tweezers and a dual-grit file—but each stainless steel tool is nickel-plated to help keep corrosion to a minimum. You get a whopping seven pieces in this manicure set, including two sets of stainless-steel clippers for your fingernails and toenails. Open up the zippered pouch and you'll also find tweezers, cuticle pushers, and even a glass nail file for a simple at-home pedicure.

While it may not last as long as a salon mani, you can expect it to hold up longer than classic nail polish. Kudo says that Tweezerman offers "a practical reliable kit for a more affordable price," and its Mini Nail Rescue Kit is a straight-forward option that's great for quick upkeep. This set might be ultra-curated—this four-piece offering features a clipper, nail cleaner, cuticle "nipper" and nail file—it doesn't skimp on quality. Everything (yes, including the nail file) is made with top-grade stainless steel so it's built to last. And, thanks to its plastic carrying case, you can toss this in your bag should a nail emergency strike. "A manicure set will help you do that in case you don't have the time or luxury to have someone do it for you."

Portable Crystal Glass Nail File with Case - 6 Colors. - For Nail Care & Manicure.

Look, we all want the most expensive-looking manicure for the least amount of ~expense~. This budget-friendly acrylic nail kit is $10—and includes nail glue, acrylic powder, monomer, and both neutral and French tips. If you, like me, consider yourself to be a bit of a nail minimalist, trips to the salon might start getting a bit repetitive.

BEST FOR NATURAL NAILS

According to our Diversity Pledge, 15% of products in our newly-published market roundups will feature Black-owned and/or Black-founded brands. At the time of publishing, we were not able to find any acrylic nail kits from a Black-owned and/or Black-founded business. If you know of one we should consider, please email us at  and we will evaluate the product ASAP. Some basics to look for include nail brushes and files, nail drill, and cuticle tools.

With this salon-level system, your manicure will last for up to six weeks—expect your nails to grow out faster than they chip. What's more, each pot contains enough powder for 30 full sets, all the formulas are low-odor, and your nails will cure without UV light. A budget-friendly kit that's easy to use and get salon-quality results? This acrylic set from Kiss is beloved by both Tong and reviewers alike.

Sally Hansen Salon Gel Polish Starter Kit

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Her work has appeared on The Zoe Report, Fashionista, and StyleCaster. Get the latest product drops, discounts, and more from Wella brands straight to your inbox. This glitter-glazed bold ombre look by @frederic.chen will spice up your nails. Classic french takes an unexpected turn with simple, bold linework.

Meanwhile, a set of gloves, sanding block, and pumi bar will come in handy once sandal season rolls around. New York salon Tenoverten might be an "it" girl hotspot for next-level, non-toxic manicures, but don't sleep on its tools. In fact, if you're looking for equipment you'll use for years to come, its Tool Kit is a strong contender.

Tong touted it as the "best value, hands down, for a beginner or a one-time use kit." Walmart reviewers shared that "the instructions are very clear and easy to follow" and the kit is "good quality." Opt for this acrylic nail kit featuring almond nails, which are elegant and relatively easy to maintain given their shorter length. It's not exactly a kit, though the two-step system only works with this specific polish and top coat. After swiping on two coats of polish followed by the top coat, we simply let our nails dry for the recommended 15 minutes—no lamp needed. “Your natural nails grow out regardless of how long your acrylics last,” Pinto has told Cosmo. “And you’ll start to see growth at your cuticle beds after two weeks.” So it’s a good idea to give your nails a break after one or two applications, and treat them to a nail strengthener and cuticle oil on the reg.

This professional manicure system by Mia Secret checks all the boxes. You'll get a full set of false nails, plus all the tools and treatments you could need to create a customized look. Nicole Saunders is the beauty editor at Best Products with over seven years of experience researching, writing, and editing lifestyle content.

We love that this kit also includes 5 practice fingers, for aspiring pros and beginners alike. You'll also find accessories here that are missing in other kits, including a toe separator, nail cutter, forms, and tweezers, cup, and cuticle fork. It comes with a dip powder, a brush-on gel, an activator liquid, and a set of each white and natural tips. It's super easy to use—no light necessary—and lasts for a solid two weeks. Nail drills are no joke, but this comprehensive drill set for acrylic nails from Xpreen is good for nail veterans or newcomers alike. It saves time from manual nail filing and is compact, portable, and easy to use.

If your cuticles are in need of a serious pick-me-up, consider this manicure set the answer. It's stocked with a cuticle remover, repair cream, cuticle oil, and a stainless steel cuticle pusher. Whip out this bb once a week for the ultimate nail-refreshing experience. Say hello to the ultimate one-and-done kit for touching up your mani when you’re out and about.

Pressure mounts on House Speaker Dade Phelan to resign as third special session looms

Table Of Content

• To debate or not debate? Dade Phelan, David Covey trade blame over lack of political forum
• NFL draft grades: Our experts evaluate Cowboys’ Day 3 choices, new rookie class
• Texas House GOP hardliners issue list of demands for a next speaker
• Texas House Speaker Dade Phelan says he has a path to victory in primary runoff battle
• New on the Tribune
• Once the Texas GOP’s “weak link,” Attorney General Ken Paxton is growing more popular and powerful

Torres said the dynamic between Republican political leaders could prove critical in the special session, where lawmakers are expected to take up the issue of education savings accounts, or a school voucher plan. Often called school choice by supporters, these bills passed the Senate but not the House during the regular session. After the previous speaker imploded in scandal, Phelan ascended to the House’s top post in 2021 propelled by a reputation among Republicans and Democrats alike that he was an honest broker. In the first session he presided over, he and his leadership team shepherded the passage of conservative priorities that had previously been viewed as a bridge too far for many Republicans, including a near-total ban on abortion and permitless carry of handguns. Abbott touted it as the most conservative legislative session in recent memory. The contract has so far not attained anything close to majority support in the Republican caucus—particularly as only two signees are locks to be elected, having cleared primaries and facing no Democratic or third-party opponents in November.

To debate or not debate? Dade Phelan, David Covey trade blame over lack of political forum

Midlothian Republican Brian Harrison also has received more than $10,000, according to the Texas Ethics Commission database. While the last two speakers - Rep. Joe Straus and Rep. Dennis Bonnen - either tried to sideline or negotiate with the House insurgents, Speaker Phelan went on offense against what he calls "political rot... festering" within the GOP. Defend Texas Liberty is largely financed by West Texas energy billionaires Tim Dunn and brothers Dan and Farris Wilks, who want the House leadership to share their ultra-conservative Christian worldview. In a rare, lengthy sit-down interview, NBC 5 found Speaker of the House Dade Phelan willing to go on offense against what he sees as creeping corruption within the GOP and ready to defend his Republican-led but bipartisan coalition in the Texas House. Twenty-five prospective legislators have signed a pledge to block Democrats—who now hold 43 percent of the seats—from all influence in the lower chamber and neuter the next Speaker. “You can see a situation here, where if the lieutenant governor has tremendous influence in the House, he doesn’t have to worry about negotiation and cooperation,” he said.

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Ever-increasing property taxes have led many to feel - year-in and year-out - that they are renting their property from the government. "It is a privilege to serve as a member of this distinguished body, and I am once again humbled by the opportunity to serve as Speaker of the Texas House," Phelan said in his opening day remarks. "As I look out upon this distinguished gathering, I see 149 people - ordinary Texans - who are eager to get to work on extraordinary things. I am grateful to the majority of you who have honored me with your vote, but I am proud to represent all of you as Speaker of the 88th Legislature." Besides drawing support for his endorsed candidates from Trump, Paxton’s intensive and broad campaign of political revenge also prompted third-party groups to pour in millions of dollars of donations into the campaign. After Paxton narrowly survived allegations of corruption and abuse of office, the attorney general quickly pivoted to fierce, bare-knuckle campaign attacks on dozens of Republican lawmakers. Paxton’s campaign to defeat rivals in his own party was a test of his own clout and that of his biggest backer, Trump.

Texas House GOP hardliners issue list of demands for a next speaker

Plus, they’ll face the grueling and cutthroat process of redrawing the state’s political maps. And in 2019, he sponsored a bill popular among hardline conservatives that would have banned governments from using taxpayer dollars to lobby the Legislature. That measure ultimately failed, but is among the Texas GOP’s top priorities for 2021.

Covey positioned himself as the true conservative in the race who would remain in touch with the party’s grassroots rather than gallivant around Austin as a glad-handing politician. The race had become a measure on the influence of the far-right wing of the GOP, which has cast Phelan as a traitor to the party. Paxton, seeking revenge on Phelan for supporting the House’s impeachment of him last year, campaigned for Covey in Beaumont. Thirteen Republican Texas Representatives pledge to “reform the House of Representatives and select a real Republican Speaker” when the new legislative session opens Jan. 2025, according to a new “Contract with Texas” first obtained by the Daily Caller. Representatives Brian Harrison, J.M. Lozano, Nate Schatzline, Tony Tinderholt, Steve Toth and nominees Janis Holt, Mitch Little, Shelley Luther, Don McLaughlin, Brent Money, Matt Morgan and Mike Olcott signed on to the pledge. Republicans in the Texas House of Representatives are devising a plan to ensure the next state House Speaker represents a conservative Republican agenda overwhelmingly supported by Texas Republican voters.

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Paxton accused them of being “activist” judges after the court majority ruled the law had been a violation of the state Constitution’s separation of powers. Paxton wasn’t the only Republican attacking fellow Republicans in Tuesday’s primaries. Abbott targeted nearly two dozen incumbents who helped defeat his plan to spend tax money on private schools, putting some lawmakers in the crosshairs of both men as targets for removal. And half of the campaign contributions Covey has reported to date, by way of a single $50,000 check, have come from Defend Texas Liberty. The political group, mainly funded by Midland oilman Tim Dunn, often targets Republicans it deems insufficiently conservative and is a frequent foe of Phelan.

New on the Tribune

But his tenuous balancing act between the left and right wings of the chamber was disrupted last year when he oversaw impeachment proceedings against Paxton on corruption charges. The impeachment, and the subsequent trial, triggered widespread infighting within the Texas GOP. Phelan and Covey were neck and neck in the results early Wednesday, while a third GOP candidate, hairdresser Alicia Davis, won far fewer votes but helped deny both candidates a majority of their party's votes.

To show the Texas House is committed to the maternal health of our own staff this session, I am proud to announce we are now offering additional resources to guarantee twelve full weeks of paid maternal and paternal leave for those working in this chamber this session. My constituents also talked about the need for quality healthcare at a reasonable price for families and businesses. They appreciate the progress we made last session, tackling the cost of prescription drugs and health plans, pricing transparency, and improving outcomes for women and children - and they need us to do more. So, let us continue our momentum by giving patients greater control over their health care as well as better access. The House elected Phelan with a vote of 143-3, with three votes going to State Rep. Tony Tinderholt (R-Arlington). “Today’s election results have revealed that the battle for the soul of Texas is far from over,” Paxton said.

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During a bruising 2023 legislative session, followed by a series of special sessions, Phelan often caught intraparty fire from Lt. Gov. Dan Patrick, who leads the Senate, as the two legislative chambers struggled to hammer out deals to address property taxes, border security and school choice. The Texas House has established itself in recent sessions as one of the furthest-right legislative bodies in the nation. But Phelan’s brand of conservatism hasn’t insulated him from charges of betrayal from the far right, or from schoolyard petulance by the hands of Harrison and his allies. Phelan gave Democrats, who comprise 43 percent of the body, chairmanships of just 8 of the 34 standing committees in 2023, or 24 percent, down from 13 chairs in 2021.

That "other line in the sand" came last Friday when the Texas Tribune reported Nick Fuentes, a well-known white supremacist who's called for a "holy war" against Jews, had a six-hour meeting in the office of Jonathan Stickland, president of Defend Texas Liberty PAC. The demands of the contract signees worry several longtime Republican lawmakers. “They know that we can clear the table on conservative policy, so they’re having to go to procedure to find reasons to be upset,” said one Republican committee chair, who requested anonymity, fearing he’d be targeted by the right wing.

In an interview at the company’s office in downtown Beaumont near Phelan Boulevard — a testament to the family’s legacy here — Phelan said he has spent his decade in office on issues that matter deeply to the district. He said he is proud to have secured investments for mental health, higher education and disaster preparedness, including a $1.7 billion bill for statewide flood protection that greatly benefited his district. "This runoff is not just another race, it's the frontline of the battle for the soul of our district," Phelan said in a statement Tuesday evening. "While my opponent hides behind empty rhetoric, dishonest advertising and surrogate voices, I stand before voters with a clear record of service and conservative success." As for the Speaker, Patrick said the whole thing was an orchestrated "smear campaign" by a "failed Speaker," adding, "he is desperate to deflect attention from his failure to pass conservative legislation that the people of Texas want."

The original censure resolution was passed by the Jasper County Republican Party with at least two-thirds support and required a three-fifths vote (39 votes) to pass the 64-member State Republican Executive Committee. The final censure vote was 55 in favor and four opposed with four members absent. NBC 5 tried all week to talk to the Defend Texas Liberty PAC leaders, including going to their Tarrant County office to get their side of the story. Limiting “the Speaker to two terms to reduce their power over individual members.” The support for limiting how many sessions a Speaker can serve would mark a fairly radical departure, as many Speakers have served for a decade. Critics say it would also weaken the House relative to the Senate, whose elected leader, Lieutenant Governor Dan Patrick, is not term-limited. The Republican committee chairman with whom I spoke expressed concern that moves like this would give more power to wealthy far-right power brokers such as Dunn, who supports Patrick.

But Phelan and Abbott are considered to be more politically aligned, and the House leader is expected to hit some of Abbott’s other priorities, like increasing school safety and boosting funding for border security, in his other priority bills. A hairdresser with little fundraising or endorsements, Davis is unlikely to win. But securing even a fraction of votes increases the likelihood that Phelan fails to win 50 percent and is forced into a runoff. She spends her time driving her Jeep around the district meeting voters face-to-face.

David Covey forces runoff with Texas House Speaker Dade Phelan, who led AG Ken Paxton's impeachment

Table Of Content

• Exclusive: How a Right-wing Texas Think Tank Ducked Its Property Taxes
• Lawmakers to Focus on School Safety and Property Tax Relief as 88th Texas Legislature Begins Today
• Speaker Phelan aims to defend House coalition against outside PAC, political rivals
• More from CBS News
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Time and time again, we have seen the Legislature provide some form of property tax relief, but to make it lasting, we must do something about runaway appraisals. Paxton-endorsed challengers in more than 30 House races and his candidates had ousted at least five House members and forced at least five more into runoffs. Southlake Republican Giovanni Capriglione also got a nod of confidence from Phelan on his push to crack down on how companies collect, and in many cases, monetize people’s personal data. The issue has been a pet project of Capriglione’s for years but this session the bill — House Bill 4 — received a low bill number, indicating the strong support of House leadership. Phelan’s support for extending Medicaid eligibility to new mothers to a year is not a surprise.

Exclusive: How a Right-wing Texas Think Tank Ducked Its Property Taxes

Phelan has slammed the attacks as “absurd” and “misleading” attempts to deflect from his oversight of other far-reaching border laws and a record $6.5 billion spending spree to pay for Abbott’s Operation Lone Star, which includes building a state border wall. A few weeks ago, GOP activists flooded the House gallery to signal they didn’t want Phelan to move forward with his tradition of appointing members of the minority party to important leadership roles. According to the Texas Tribune, the party ran radio ads in Phelan's House district, claiming he was "teaming up with Democrats to kill our Republican priorities." Also this week, Democrats are making abortion rights a political issue this November nationally and here in Texas. The race becomes more intense after the November election and House members will vote on a new Speaker when they're sworn-in in January.

Lawmakers to Focus on School Safety and Property Tax Relief as 88th Texas Legislature Begins Today

Texas House speaker heads to a runoff against a Trump-endorsed challenger - NBC News

Texas House speaker heads to a runoff against a Trump-endorsed challenger.

Posted: Tue, 05 Mar 2024 08:00:00 GMT [source]

Beyond campaigning against Phelan, Patrick has campaigned against numerous incumbent Republicans, with mixed success. It has been a longstanding tradition that the leaders of the Texas Senate and House do not interfere with the elections of the other chamber. Bill Miller, a veteran Austin lobbyist, said Patrick is seizing an opportunity against a speaker weakened by an unsuccessful attempt to remove Texas Attorney General Ken Paxton from office. The bill, which allowed deputized everyday citizens to serve with licensed peace officers on the unit, was seen by some immigration hawks as a bold and needed approach to counter the surge of migrant crossings. Democrats and immigration advocates said it would spur racial profiling and endanger migrants and legal residents. HB 20 has since been overshadowed by Senate Bill 4, which lets any law enforcement officer arrest someone suspected of illegally crossing the border, a boundary-testing immigration law that has been put on hold amid legal challenges.

Speaker Phelan aims to defend House coalition against outside PAC, political rivals

And he appointed fewer Democratic chairs in 2023 than he did two years earlier. For a lot of House members, that scandal shattered the goodwill and trust Bonnen had fostered in the chamber after spearheading a session that by all accounts was revered among members for its success on bread-and-butter issues, such as property tax and school finance reforms. Phelan fought back in blunt and often personal terms against Paxton, with campaign ads reminding voters of the corruption and abuse of office allegations that gave rise to the impeachment trial. The Senate, which is led by Patrick and is seen as more aligned with far-right social conservatives, has over the past decade clashed with the House, which has grown more socially conservative in recent years but is still seen as more aligned with the more business-oriented wing of the GOP. In this legislative session, Phelan is also throwing his support behind an effort by Austin Democrat Donna Howard to exempt essential baby items like baby wipes and diapers, as well as feminine hygiene products, from state sales tax. That is part of a new Republican push for affordability for women and children in the state following the U.S.

Phelan countered with accusations that Covey, who has never before served as an elected government official and is simply a pawn of Paxton and other far-right interests. Phelan’s base of support included many local Republican leaders in his three-county district as well as former Gov. Rick Perry, who appeared with the speaker on the campaign trail in Beaumont, Vidor and Jasper ahead of election day. All three of these issues are widely supported by Republican voters in the state, according to the March 5 primary results. Almost 92% of GOP voters agree the state should ensure that Texans are free from vaccine mandates, 80% support school choice, and 96% said that the Texas Constitution should be amended to require proof of citizenship before being able to register to vote.

Texas House Speaker Dade Phelan says he has a path to victory in primary runoff battle

And it embodied the reputation he’s built inside the chamber during his relatively short tenure in office. Another intraparty dispute widened in November when the House sank a school voucher bill, the governor’s top legislative priority and a longtime pet issue for Patrick. Months of talks proved useless when Abbott refused to accept a scaled-back bill House negotiators pitched. Phelan didn’t cast a vote on the amendment that ultimately killed the voucher program. But he was criticized by Patrick and other voucher advocates as not having done enough to help pass them. In his nominating speech for Tinderholt, Slaton said the tradition in the House of selecting some minority party members — in Texas, Democrats — for committee chair positions is an overly generous “consolation prize” for losing an election.

'Battle for the soul': Texas House Speaker Dade Phelan headed to runoff with Trump-backed challenger - KUT

'Battle for the soul': Texas House Speaker Dade Phelan headed to runoff with Trump-backed challenger.

Posted: Tue, 05 Mar 2024 08:00:00 GMT [source]

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The knowledge of that loomed over the race to replace Bonnen, which had been relatively quiet heading into the homestretch before Election Day. In some ways, the Texas House that convenes in January will look a lot like the one that gaveled out two years ago under Bonnen’s tutelage. It will still have 83 Republicans and 67 Democrats, with a Lt. Gov. Dan Patrick-led Senate across the building and Gov. Greg Abbott in the governor’s office.

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With that backdrop, the newly formed “Equity Caucus,” a group of Democratic lawmakers who formed the coalition to advocate for women’s equity in House leadership and pledged to vote for a speaker candidate as a bloc, met with both Phelan and Morrison. By Wednesday afternoon, and with Republicans confident their majority in the House would remain nearly the same, Phelan announced at a Capitol news conference that the speaker’s race was over. He claimed he had backing from a “supermajority of the Republican caucus” and a “broad coalition of support” from Democrats. After Ritter announced he would retire from the Legislature, Phelan ran for House District 21 in 2014. Phelan easily bested the other Republican candidate in the primary and then cruised in the general election.

Donald Trump endorses challenger to Republican Texas House Speaker Dade Phelan

Per House tradition, he went on to appoint 9 Democrats as committee chairs out of the 39 total committees. As presiding officer of the Texas Senate, Lt. Governor Dan Patrick appointed one Democratic chair out of 17 committees. Only soliciting “support for Speakership from Republican members.” In the Texas House, the Speaker is elected by all members and needs majority support—76 votes—to win.

Members say Phelan has earned their trust — a crucial element in a 150-member chamber that’s mainly fueled by personal relationships — and they point to stories of him going out of his way to help with bills or with the sometimes dizzying ways of the Legislature to prove it. We showed it is possible to improve public safety while defending the rights of the accused and offering second chances when deserved. We lead the nation in decreasing incarceration rates, reducing recidivism, and facilitating reentry. We have proven you can be tough on violent criminals while also making the criminal justice system work better for nonviolent offenders. We can work all day on these issues, but if rogue District Attorneys will not uphold the law, what progress are we really making?

But the Senate passed a version to remove nondiscrimination protections, leading to worries among LGBTQ advocates that it would nullify city rules that banned discrimination against workers based on their sexual orientation. After being elected speaker for the first time at the start of the 2019 session, Bonnen tapped Phelan to chair the powerful State Affairs Committee, which often oversees some of the state’s most hot-button issues. Phelan was a part of Bonnen’s leadership team during that session and has told members he plans, like Bonnen, to run the House by letting members drive the chamber’s business. His reputation and seemingly different personality has some feeling optimistic he can help the House reach the finish line without jeopardizing trust to get there.

The feud between the House and Senate leaders has gotten so bad that Phelan said he and Patrick have not spoken since before the impeachment trial began in August. Meanwhile, Patrick cut an anti-Phelan video ad accusing the speaker of not being a true Trump supporter. Phelan’s relationship with Patrick took another hit after the Tribune reported that the leader of a political action committee, Defend Texas Liberty, that had recently donated $3 million to the lieutenant governor met with prominent white supremacist Nick Fuentes.

Heart Shaped Chocolate Cake: Delicious Recipe w Video Tutorial

Table Of Content

• How to Make Bright Pink Frosting
• Recipes
• Expert tips
• Step 2: Make the Heart Shape

This will create a heart shape cake without having to buy a heart pan. Place the butter and vanilla extract in the bowl of a mixer, and cream to combine. Turn the mixer to low, then add the powdered sugar, one cup at a time, until everything is blended. In a separate bowl, beat the cream cheese until smooth, then add the cream cheese to the butter and sugar and beat until you have a smooth and creamy frosting. Once your message is looking picture perfect, you’ve got yourself the cutest vintage heart cake that is sure to brighten anyone’s day!

How to Make Bright Pink Frosting

(It’s kind of creepy but a cool option for die-hard fans.) This is Hollywood, after all. Meanwhile, their signature Banana Chocolate Chip Cake makes you wonder why other bakeries don’t offer this as a standard flavor. They also do a mean Chocolate Guinness Cake with Irish Cream Buttercream, which is understandably a popular flavor combo for March birthdays around St. Patrick’s Day. SusieCakes is another Los Angeles bakery franchise that does consistently great custom cakes. Like many of the bakers on this list, they specialize in custom cakes, but the homemade taste sets them apart. You can also order various intriguingly-flavored signature cakes in multiple sizes.

Recipes

If you want more tips on creating a perfectly smooth cake finish, I’ve got a great tutorial for you here. Repeat with the other fondant color and allow the heart shapes to dry for at least 24 hours, flipping them halfway through so that each side dries thoroughly. With 3 young kids, dinner can feel like feeding time at the zoo! I’m a mom on a mission to create easy, healthy and family friendly recipes.

Expert tips

This impressive and delicious strawberry vanilla heart cake starts with my simple vanilla cake recipe! It’s a basic cake recipe that’s great for any occasional cake! You’ll need two different pans for this recipe – a square pan and a round pan – which will shape the heart cake.

Love-Infused Chocolate Cake

I find so much joy in my kitchen and hope to inspire you to do the same! My goal is to share recipes and tutorials that help you create desserts that look just as good as they taste. If you cut into the cake and have leftovers, use any remaining frosting to cover the cut section to keep it moist and store in the fridge for up to a week. Starting just inside that large shell border on top of the cake, pipe a smaller shell border using Wilton Tip 32. Then, repeat the process next to the large shell border on the bottom of the cake. Use the Wilton 27 to pipe a shell border along the bottom of the cake, inside the shell border on top of the cake and to create small embellishments along the sides.

And unlike some of the other boutique birthday cake makers in Los Angeles, they offer options to fit every budget. The remaining bowls will be what you use for the accent piping in the cascading decoration. Don’t hesitate to create these beautiful geometric pattern cake hearts if you have a heart mold with a geometric pattern.

As I said, I’ve made your vanilla and Oreo cake layers several times and everyone loves them. To assemble the cake, trim the tops of the cakes to create flat, even layers. Place one cake on a cake stand close to the bottom edge.

Step 2: Make the Heart Shape

Cool the cakes for 20 minutes, then invert them onto a cooling rack and cool completely. Are you searching for heart shape cake designs to surprise your partner? When it comes to expressing your love and affection, few things can do it better than a heart-shaped cake. Whether it’s a special occasion or just a way to say, “I love you,” these heart-shaped cakes are sure to captivate your loved one’s heart.

Step 3: Press Dough Into Heart & Add Foil Strip

Bakingo Is Stirring Love & Romance with Their Amazing Valentine's Cake Collection 2024 - PR Newswire

Bakingo Is Stirring Love & Romance with Their Amazing Valentine's Cake Collection 2024.

Posted: Tue, 06 Feb 2024 08:00:00 GMT [source]

In this article, we will explore 12 exceptionally unique heart shaped cake designs that are bound to wow your love and make every moment special. I’m working with two 8-inch cake layers made with my one-bowl chocolate cake recipe for this tutorial, and I’ll show you how I turn them into heart-shaped layers. And speaking of buttercream, you can use whatever kind you prefer to frost and pipe cakes with. I am using 3 batches of my favorite vanilla buttercream recipe.

Place the cake layers into the freezer for 30 minutes to accelerate the cooling process. Once the layers are fully cooled, carefully flip the pans, and remove the layers. You can totally make a heart shaped cake without a heart shaped pan.

With your chilled and crumb coated cake on a turntable, use the largest bowl of buttercream to frost a smooth finish onto the cake. Start by frosting a smooth layer on the very top of the cake with your angled icing spatula. Again, I eyeballed this and actually ended up hating where the first word was placed, so I scraped it off with a spatula and re-piped it to make the message centered. The amount of frosting you'll need will be dependent upon how big your cake layers are and how many you plan to use.

Unraveling the Journey of a 4 6 Manifesting Generator

Table Of Content

• The 4/6 Profile and Types
• 6 Profile – The 2 Number Combination in your Human Design chart
• 6 Profile in Human Design – Manifestor (Initiator)
• Angelina Fabian – Guide, analyst & teacher

While this can bring stability, there’s a risk of limiting yourself by not exploring beyond your comfort zone. As a Manifestor, informing those around you of your plans and actions reduces the likelihood of encountering resistance and helps keep your relationships harmonious. Remember, informing is not asking for permission; it’s merely keeping others in the loop. It’s an embodiment of your journey as a 4/6 Generator – a journey of trials, triumphs, resilience, and wisdom. It has the potential to bring clarity, perspective, and direction to others. It’s a powerful guidance system that can lead you to satisfaction when correctly followed.

The 4/6 Profile and Types

By embracing these aspects, individuals can cultivate resilience, adaptability, and authenticity in all areas of their lives. The 6th line in your profile represents the potential for moving beyond the turbulence of the 4th line, once enough experiences and lessons have been gathered. As a 6th line, after around age 30 (a phase known as ‘on the roof’), you begin a process of “going inward” and reflecting on the life lessons and experiences you’ve gathered. This period of introspection and personal growth can bring great wisdom and clarity. Your life is a journey of learning, observing, and ultimately, sharing your wisdom with others. Your strong Manifestor energy allows you to initiate change and make a significant impact on the world around you.

6 Profile – The 2 Number Combination in your Human Design chart

The quality of your relationships often reflects the quality of your relationship with yourself. Hence, self-love and self-understanding form the foundation for building strong, healthy relationships with others. Interestingly, these folks operate best when they're living in attunement to the 28-day lunar cycle. The journey of self-growth and actualization for a 4/6 Reflector is deeply intertwined with their interactions with others and their environment. They are here to experience, reflect, and learn, and their journey is one of profound personal transformation. 4/6 Reflectors can bring a unique and valuable contribution to any team or project.

6 Profile in Human Design – Manifestor (Initiator)

But this is hardly a wise desire since if you go against your nature, you will certainly encounter the manifestation of the False Self in your life. I’m a role model in the making, if you will, and I can already see it building up and seeing the responsibility that comes with it. What their correct environment is isn’t determined by their head, but by their strategy and authority.

6 Profile Manifestor

Note that it’s also important that the connection is genuine, because simply using someone for what they can offer won’t work. But as soon as a connection is real and provides value to the other person, they will become ready and willing to share opportunities that will benefit the Opportunist. A distinctive feature of the 4th line is the way it effects opportunities for anyone who has it in their chart. As a rule, opportunities arise from the contacts and connections in an Opportunist’s life.

During friendly communication, you can find out what a person really is, whether you are suitable for each other or not. The trouble with 4/6 people is that they act too impulsively most of the time, allowing the first impression to “convince” themselves that they are really a worthy person. But then the emotions come to naught, leaving you with the consequences of a hasty decision. Its distinctive feature is that it almost completely lacks some of its own, unique qualities. Reflectors easily “transform” into other people, copying other people’s behavior, manner of speech, habits.

The Program Helping Thousands Find Their Purpose & Define Their Goals

This is followed by the third phase of coming back down from the roof, with newly acquired great wisdom, to reintegrate with those around them in a more mature and valuable way. For close contacts no effort is required to build sincere relationships; on the other hand, anyone who is a stranger or merely an acquaintance cannot be flattered, coaxed, or seduced. Natural talents for people with the fourth line in their profile are effortless friendliness and sociability, meaning people tend to be drawn to them easily. That’s not to say they have great influence over everyone in their sphere – that’s not how the 4 line works. But they can find ways around this, as can anybody with the line of the Opportunist in their chart.

If it’s somebody cold that he solicited or came in randomly, it tends to not do so well. It’s important to understand that these people are here to influence as a 4/6 Opportunist Role Model Profile in human design. The fact is that in order for them to have the ability to influence, the 4/6 actually has to listen to other people. Then we have the sixth line Role Model in human design  that doesn’t like to get close to many people because it obscures their view.

Defined Root Energy Center in Human Design

A consensus-based transparency checklist - Nature.com

A consensus-based transparency checklist.

Posted: Mon, 02 Dec 2019 08:00:00 GMT [source]

In addition, they are real experts in matters of communication between people, as they easily “read” other people’s emotions and sometimes even thoughts not expressed aloud. But they are a rather amorphous Type in themselves, without any special distinguishing qualities. But speaking of the 4/6 Profile, such a manifestation of the nature of the Projector is not such a big problem.

Blending the ancient wisdom of Human Design with psychology research, Kate explores and analyses the concepts of the complex system, and shares her insights with her readers. The core mission of Manifesting & Human Design is to simplify the theory of Human Design, to ultimately enlighten and empower individuals and their families to find value in its philosophy. The life of a 4/6 profile is marked by distinct phases, each bringing its own set of challenges and growth opportunities. This journey, influenced heavily by the 6th line, is what sets them apart and shapes their relationships. Early in life (up to around age 30), they might experience a more tumultuous or experimental phase in relationships, akin to the 3rd line’s trial-and-error approach.

And as Brafman previously noted, the life theme for Reflectors is surprise. "Ideally," she says, "a reflector would always be in an environment that would continue to surprise [them], bring them joy, and help them understand the area that they're in." Last but not least, we have Reflectors—the rarest of the bunch, making up less than 1% of the population.

This phase is not about telling others what to do but about inspiring them through your example. Life for a 4/6 Manifesting Generator is not a straight path but a journey through different phases. These phases, each distinct in its nature, contribute to your growth, development, and ultimately to your ability to serve as a role model. As a 4/6 Manifesting Generator, relationships form a vital aspect of your life. They serve as both your support network and the foundation for your opportunities.

Remember that this is a time of introspection and observation, and it’s okay to take a step back. Finally, in your role model phase, the challenge lies in embracing your wisdom and experience and using them to guide others. The first phase, up until about age thirty, is marked by a process of learning through trial and error, much like a 3rd line profile. This phase is about experimenting with life, making mistakes, and learning valuable lessons. While this journey is marked by distinct phases, each phase is integral to the overall development and maturation of the 4/6 individual.

But until then you will have to snatch a few scraps so that once a simple truth comes to your mind, and you can no longer turn away from it. The simple truth is that it makes no sense to fight for universal love, imposing yourself on everyone. And all that remains for you is to patiently wait and let life be without trying to resist it, trust your Strategy and Authority. You begin to choose friends and lovers much more thoughtfully, set more practical and more realistic goals. Memories of bygone days make you squeeze out an awkward smile thinking about your naivety of that time. And although during this period you tend to feel already a quite mature and experienced person, nevertheless, this is only the next, “intermediate” stage of your transformation.

Down Payment Calculator How much should you put down?

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• Online & mobile banking
• Chase Bank
• You’re our first priority.Every time.
• // If hash is either not set, or doesn't have a slash (i.e. a specific hash station filter set)
• Next steps to get a mortgage

For example, if you purchase a $1,500,000 home in La Jolla, expect to make a down payment of at least $225,000 to $300,000 on average. While some buyers want to put more money down to reduce monthly payments, many first-time homebuyers in California ask how they can reduce their initial down payment. Mortgages issued by lenders require an investment of capital from buyers to secure financing, and the type of loan dictates the required down payment.

Online & mobile banking

For conventional and FHA loans, a down payment is required to buy a home. These funds can come from your savings, a gift from family or a friend, proceeds from the sale of another home, grants and other sources. The lender views your down payment as a buyer’s participation in the purchase, and the higher the down payment is, the less risky it is for the lender. Because the government guarantees a portion of the loans, they’re less risky for lenders to approve.

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Since lenders use LTV to price mortgages, a lower LTV means you'll likely pay a lower interest rate on your mortgage. When your LTV ratio exceeds 80%, you’ll likely pay for Private Mortgage Insurance (PMI). Amy Fontinelle is a freelance writer, researcher and editor who brings a journalistic approach to personal finance content. Amy also has extensive experience editing academic papers and articles by professional economists, including eight years as the production manager of an economics journal.

You’re our first priority.Every time.

2 rules to consider when deciding how much mortgage you can afford, according to a financial planner - CNBC

2 rules to consider when deciding how much mortgage you can afford, according to a financial planner.

Posted: Thu, 25 Apr 2024 07:00:00 GMT [source]

Final passage was expected sometime next week, which would clear the way for Biden to sign it into law. Home price on the map reflects typical value for homes in the 35th to 65th percentile range collected by Zillow as of Februay 2022. PMI costs are determined using a generic pricing sheet by Enact Mortgage Insurance. The industry often uses pricing more specific to a borrower’s situation, so your PMI costs could be higher or lower than shown here. Under "Loan term," click the plus and minus signs to adjust the length of the mortgage in years. Many or all of the products featured here are from our partners who compensate us.

In the second quarter of 2023, Louisiana home buyers made the lowest average down payment of 9.2% at $6,729, while Washington, D.C. Has the highest down payment percentage amount at 20.4%, with a $100,800 median down payment due to the area’s expensive housing market. Explore mortgage options to fit your purchasing scenario and save money. Your loan program can affect your interest rate and total monthly payments.

How lenders decide how much you can afford to borrow

Most homebuyers also want enough cash after closing to do things like buy new furniture or paint the walls. Down payment requirements for a primary (main) residence will vary. The requirements will depend on the type of loan you’re applying for and your financial situation. VA loans and USDA loans can have a zero-down payment, but you must meet the minimum qualifications set by both programs. The higher your down payment, the more attractive you are to lenders.

What is a down payment for a mortgage?

This influences which products we write about and where and how the product appears on a page. For the past 18+ years, Kathryn has highlighted the humanity in personal finance by shaping stories that identify the opportunities and obstacles in managing a person's finances. All the same, she’ll jump on other equally important topics if needed.

You can even put 0% down if you qualify for a down payment assistance program, a VA loan or a USDA loan. The size of your down payment doesn’t need to deter you from buying a home. The amount you should put down when you’re buying a home is a personal decision that depends on what’s best for your finances. You have to put down some minimum amount to qualify for a mortgage. For a conventional mortgage, that amount is usually 3% of the home’s price.

In most cases, you can ask your lender to cancel PMI as soon as you have paid down the balance to below 80% of the home’s value—or if the home rises in value, though a new appraisal may be needed. Note that mortgage insurance on FHA loans is applied differently and can be more difficult to get rid of without refinancing. Mortgage lenders require a down payment as protection against a borrower defaulting.

Bear in mind that the down payment is just one of many home-related expenses. You may want to budget up to 1% of the home’s value for annual maintenance costs. Plus insurance, taxes, and homeowners association fees, if there are any, can also add significantly to the monthly cost of owning a home. PMI will compensate the lender if the borrower defaults on the loan.

How Much Is A Down Payment On A House? - Bankrate.com

How Much Is A Down Payment On A House?.

Posted: Tue, 09 Apr 2024 07:00:00 GMT [source]

Generally, condos require owners to purchase with a minimum down payment of 10%, or 90% max financing, but this can vary from building to building. The average down payment for a house in California typically ranges between 15% to 20% of the purchase price, but can vary depending on your mortgage lender and financial situation. Buying a house is costlier than anytime in at least the last decade, with property buyers hit with the double whammy of rising mortgage rates and home prices, according to real estate company Redfin. The first step is to figure out your housing budget, and from there you can deduce the size of the down payment you will need. Additionally, you need to know the average closing costs in the area where you want to buy a house as you’ll have to either save up for those or roll them into the loan. If you want to avoid mortgage insurance by putting 20% down, your down payment should be $100,000.

Apply online for expert recommendations with real interest rates and payments. This link takes you to an external website or app, which may have different privacy and security policies than U.S. We don't own or control the products, services or content found there. If a buyer put 10-20% down, they may be more committed to the home and less likely to default. If there is more equity in the property, the lender is more likely able to recover its loss in the event of foreclosure. A down payment is the initial, upfront payment you make when purchasing a home.

In order to comfortably afford a median-priced home, a first-time buyer paying 10% down with a mortgage rate of 7.2% (the current 30-year mortgage rate) needs to earn an income of $119,769 annually. Buying a house that requires immediate repairs will increase these costs. Before buying a home, make sure you know what expenses you’re getting into and that your savings account has enough money to cover them in addition to the down payment and closing costs. In addition to the down payment, you’ll need to set aside money for closing costs.

The ways to build your home savings aren’t complicated, but they take some mindfulness, dedication and consistency. Catch up on CNBC Select's in-depth coverage of credit cards, banking and money, and follow us on TikTok, Facebook, Instagram and Twitter to stay up to date. A smaller down payment will get you into your home quicker and leave you more money to cover repairs and insurance and to invest in other financial goals. Automating your savings can help you reach your down payment goal sooner as you avoid overspending. For instance, you may start by transferring a portion of each paycheck into a savings account.

California Mortgage Calculator

Table Of Content

• Interest rate
• Take your smart money habits to the next level
• Conventional Loans
• Birkin bag thieves prowl L.A.’s rich neighborhoods, fueling a bizarre black market
• Other Products & Services:

House down payments are often, but not always, part of the normal homebuying process. Every aspiring homeowner has different financial situations, and California buyers must consider what home loan aligns with their long-term goals. Buyers emboldened by a commission rebate can make higher offers or use the funds to replenish their savings after their down payment.

Interest rate

If you have a credit score between 500 and 579, you can still get approved, but you’ll need a 10 percent down payment. This question is often the biggest one on first-time homebuyers’ minds when they start the home-buying process. Add up the following costs to help you come to an accurate savings target.

Take your smart money habits to the next level

The nationwide average down payment for a house is 14.4%—an average median of $34,248—during the second quarter of 2023, reports Hannah Jones, an economic data analyst at Realtor.com. Our partners cannot pay us to guarantee favorable reviews of their products or services. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results.

Conventional Loans

If the amount of upfront cash available and down payment percentages are known, use the calculator below to calculate an estimate for an affordable home price. High-yield savings accounts (HYSAs) can earn more than 5% interest while still allowing you to make withdrawals if something unexpected happens. Western Alliance Bank's HYSA currently earns an APR of 5.32%, one of the highest CNBC Select has reviewed.

Birkin bag thieves prowl L.A.’s rich neighborhoods, fueling a bizarre black market

If your loan requires other types of insurance like private mortgage insurance (PMI) or homeowner's association dues (HOA), these premiums may also be included in your total mortgage payment. However, home-buyers must pay an upfront mortgage insurance premium at closing that is worth 1.75% of the loan amount, on top of the down payment. In addition, monthly mortgage insurance payments last for the life of the loan unless refinanced to a conventional loan.

VA loan (government loan)

Average Down Payment On A House In 2024 - Forbes

Average Down Payment On A House In 2024.

Posted: Thu, 12 Oct 2023 17:10:58 GMT [source]

The down payment is the portion of the home’s purchase price that you pay upfront and is not financed through a mortgage. The down payment directly reduces the amount of money you need to borrow for the home purchase. A lower LTV ratio presents less risk to lenders because you are adding more equity to your home and have a higher stake in your property relative to the outstanding loan balance.

The first is called an earnest money deposit and is paid after the seller accepts your offer—this signals your intent to follow through with the purchase. You’ll pay the second installment along with other closing costs on your closing day. In some cases, you might be able to purchase a home with no down payment. Because these loans are guaranteed by the government, there’s less risk to the lender even without the borrower putting money down. The minimum down payment will largely depend on the type of loan you choose for your primary or secondary residence or investment property.

Mortgage options and terminology

In fact, 36% of Gen Zers and Millennials who plan to buy a home expect to receive support from family to help fund their down payment. As soon as you take possession of the house, you’ll need to connect utilities and purchase food. Her favorite topics are investing, mortgages, real estate, budgeting and entrepreneurship.

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Enter the price of a home and down payment amount to calculate your estimated mortgage payment with an itemized breakdown and schedule. The second ratio, 36% of your gross monthly income, is your debt-to-income ratio calculation. This value pays the total sum of your debts, including your mortgage.

Get Forbes Advisor’s ratings of the best mortgage lenders, advice on where to find the lowest mortgage or refinance rates, and other tips for buying and selling real estate. The minimum amount you can put down will depend on the type of mortgage you get. For example, you’ll typically need to put at least 3% down for a conventional loan or 3.5% down for an FHA loan, while USDA and VA loans don’t require a down payment. Still, since the lender is investing more money in the property than you are, they’ll order an appraisal to get an independent, professional opinion on the property’s value.

After all, plenty of people — especially first-time home buyers — are house-hunting below the $400,000 mark. The average down payment varies widely by location, age group and whether someone has owned a house before. Let’s examine a few different sources of data to see how much money people are putting down on houses across the U.S.

You only need a dollar to open an account, and there's no minimum balance requirement or monthly fees. The 20% down payment rule emerged during the Great Depression, when nearly half of mortgages in urban areas were delinquent. Even as the economy recovered, many lenders still mandated 20% down in the 1950s and 1960s.

The median sales price decreased by 7.4% from $449,300 to $416,100 over a similar period. Here, we look at the average down payment for a house across the U.S. and how to afford a home loan. Homeowners in some developments and townhome or condominium communities pay monthly Homeowner's Association (HOA) fees to collectively pay for amenities, maintenance and some insurance. We believe everyone should be able to make financial decisions with confidence.

Buyers can withdraw from a 401(k), but may incur early 10% withdrawal penalties if the buyer is under 59. Plus, the beneficiary must pay income tax on the money taken out and consider that the added income can place them in a higher tax bracket. As home prices rise, there is a growing trend of first time home buyers getting help from parents or other family members in the form of a gift. Many lenders allow gifting so long as a buyer’s financial situation justifies the loan during underwriting. For a Federal Housing Administration (FHA) loan, the minimum down payment is 3.5 percent with a credit score of at least 580.

VA Loan Down Payment: Definition And Requirements - Bankrate.com

VA Loan Down Payment: Definition And Requirements.

Posted: Wed, 10 Apr 2024 07:00:00 GMT [source]

For more information about or to do calculations involving FHA loans, please visit the FHA Loan Calculator. In the U.S., most conventional loans adhere to guidelines and requirements set by Freddie Mac and Fannie Mae, which are two government-sponsored corporations that purchase loans from lenders. Conventional loans normally require a down payment of 20%, but some lenders may go lower, such as 10%, 5%, or 3% at the very least. If the down payment is lower than 20%, borrowers will be asked to purchase Private Mortgage Insurance (PMI) to protect the mortgage lenders. The PMI is normally paid as a monthly fee added to the mortgage until the balance of the loan falls below 80 or 78% of the home purchase price.

Buyer’s brokers commonly field questions about how much should be saved up for a down payment when buying a home in California, and the answers differ for all buyers. You might have heard you’re required to put down 20 percent on a home. That may also mean the cost of buying a home is at a historic high, although property buyers in the 1980s dealt with mortgage rates that were significantly higher than today's loans. Mortgage rates reached a peak of 18.6% in October 1981, although home prices were considerably lower, even on an inflation-adjusted basis, than today's values. The median U.S. home sale price — what buyers actually paid for a property — also hit a record in April, reaching $383,725, Redfin said, with its data going back to 2015.

Silversea Sets Sail on 139-day "South Side Story" World Cruise 2023

Table Of Content

• Silver Explorer ship commences first Silversea Australian cruise for 2 years
• Suite (TS)
• Bedroom Grand Suite
• Tauck charters Silversea's ship Silver Shadow for ocean cruises from NYC to Quebec City (2023 fall)
• Quebec City, Quebec
• Silversea Cruises starts Alaska and Iceland cruises in July

The Grill is one of two al fresco dining options. And in The Restaurant, you will find destination-inspired menus and familiar favorites. Fully 302 crew members serve on the 28,258-ton ship. Silver Shadow also boasts of the highest space-to-guest ratios at sea. Small wonder Silver Shadow is a favorite in Silversea’s fleet-now numbering 10– of the most luxurious ships afloat.

Silver Explorer ship commences first Silversea Australian cruise for 2 years

They both have a high space-to-passenger ratio at 74, providing more space per passenger than any other cruise ship. Space ratio is calculated by dividing a vessel's gross tonnage by its passenger capacity. The passenger-to-crew ratio is also high, at 1.31 to 1. Bridge-players -- and there are many -- schmooze in the Card Room. Exercise fiends enjoy jogging on Deck 10 and working out in the well-equipped fitness center.

Suite (TS)

Follows the complete list of Silver Shadow restaurants and food bars. Be sure to visit the Reception area, where our experts can provide invaluable information to help you get the most out of your cruise. La Dame features a bespoke menu by our top chefs, and is the highest expression of excellence of French dining.

Bedroom Grand Suite

The alarm clock has a built-in iPod docking station. There are 194 outside suites, ranging in size from 287 square feet (26.7 m2) to 1,435 square feet (133.3 m2), and some 80% of them feature teak balconies. Butlers for every passenger make a giant difference in the onboard experience and truly distinguish Silversea from its competition.

Tauck charters Silversea's ship Silver Shadow for ocean cruises from NYC to Quebec City (2023 fall)

Men's and Women's saunas and steam rooms are perfect for relaxing before your spa treatment or after your workout. The Fitness Center is equipped with free weights, weight machines, state-of-the-art treadmills, elliptical trainers and recumbent and upright bicycles. Classes in aerobics, yoga, Pilates and circuit training are led by the onboard fitness trainer and are always complimentary. A full range of salon services - including hairstyling, manicures and pedicures - are available on board for both men and women. Roulette, blackjack and slot machines are available in the The Casino for anyone over 18. If you are a novice, you are welcome to attend the champagne reception and learn all the games offered aboard.

The Restaurant aboard this luxury cruise ship offers open-seating dining, which means there are no assigned times, no assigned tables. You are free to dine when, where and with whom you please. Ocean-view suites, sumptuous cuisine that adapts according to the sailed region, and the personalised service of butlers are just a few standout features. Overall, Silver Shadow lacks the flair of new luxury ships -- the glam opulence of Regent Seven Seas Explorer or the sleek sexiness of Seabourn Encore.

Silversea Cruises starts Alaska and Iceland cruises in July

The small but efficient Spa at Silversea and beauty salon offer an impressive array of services. Retired diplomats and other distinguished guests provide comprehensive port-related lectures. An art expert presents knowledgeable lectures while soft-selling high-end original sculptures, paintings and lithographs by the likes of Picasso, Matisse and Dali. These experts, usually gallery owners, possess genuine passion for their subjects. The Atrium aboard provides a unique space at the heart of deck 5.

Deck Seven

Butlers do everything, from wrapping loose eyeglasses in lint cloths to greeting passengers shipside with welcome signs after an overnight journey. They pour drinks, replace soap and deliver folded laundry in tissue paper. They unpack and pack for you and when departure time approaches; they clean suitcases and wrap them in ribbons and bows. Getting attached to your butler is easy; saying goodbye is hard. Choose between Bulgari, Salvatore Ferragamo and hypoallergenic toiletries, including shampoo, conditioner, shower gel, body lotion and soap.

Current itinerary of Silver Shadow

Silver Shadow review: what is it really like on board - Australian Traveller

Silver Shadow review: what is it really like on board.

Posted: Thu, 03 Aug 2023 07:00:00 GMT [source]

They more than fulfill requests -- they anticipate every need, from preparing a hot bubble bath on your return from a long shore excursion to whisking away dusty shoes and returning them polished. In August 2022, the USA-based travel brand company Tauck announced its "small ship ocean cruises" from Manhattan NYC (New York USA) to Quebec City (Canada) via the chartered from Silversea Silver Shadow. Next table shows the 139-night/140-day "South Side Story Cruise 2023" (January 9 through May 28) as call ports.

This excursion we do not recommend for anyone - it was the Kennebunkport one. All we did was spend 3/4 of the time on the bus listening to our guide say " Here is this, there is that". This was another enjoyable excursion - we went to an old Highlander fortress and learned about how the Scottish regiment that was billeted there lived and drilled as well as why they did so under British rule. We chose this particular cruise because of the itinerary - the line was secondary but intriguing as we had never sailed on Silversea before. The exclusive pre-sale for World Voyage 2024 ("Far East-West") opened on July 15, 2021. Follows the complete list of Silver Shadow lounges, clubs and other entertainment venues for kids, teens and adults.

Comfort and elegance awaits you in your home away from on the spectacular Silver Shadow. The 400-passenger ship Silver Shadow is a successor of Silver Cloud and Silver Wind. The difference between ms Silver Shadow and her two predecessors in the line’s fleet is only in size. Silversea Cruises reputation for quality, established with the first two ships, today is carried on. In configuration and shape Shadow, and her twin-sister Whisper, are simply bigger and newer versions of the first Silversea vessels.

Silversea Cruises travels across the world’s most scenic routes, visiting intriguing ports-of-call in each of their carefully crafted itineraries. Not only do you spend time in classic, major port cities, because Silversea's smaller ships have the opportunity to visit more intimate hidden ports. From Alaska to Australia, Bermuda to Beijing and just about everywhere in between, you can see the best of the world with a Silversea cruise. Other destinations include, but are not limited to Canada, the Galapagos, Northern Europe, and the Middle East. All 191 accommodations are posh ocean-view suites.

This is a voyage for those who want to experience the very extremes of the planet. It’s time to get out there and go beyond what you thought possible. Founded in 1888, Lalique is celebrated for its exquisite jewelry, decorative items, interior design, perfumes, and artworks. Silversea and Lalique are united in their unwavering commitment to bespoke luxury, exceptional quality, and timeless elegance.

Register with Cruise.com to get access to exclusive rates, discounts and special offers. Tauck Silver Shadow's 10-night voyage to Quebec City visits Newport RI, Boston MA, Bar Harbor ME, Halifax NS, Prince Edward Island (Charlottetown), and Saguenay (Quebec) prior to arriving in Quebec City. The special media production was completed in 5 weeks (filmed over 1 week) and included 18 sets (selected from 3000+ options). The 26-min narrative comprised of scenes (displayed on a huge LED screen in the background) selected from 8+ hours recorded footage (video files ~800 TB/terabytes) themed on World Voyage 2023's destinations. The boat has 10 decks, of which 8 are passenger-accessible and 6 with cabins.

The Casino was relocated from Deck 5 (midship-portside) to Deck 8 (aft-starboard, replacing the Internet Cafe) and its size was reduced. The Library was relocated from Deck 8 (aft-starboard) to Deck 10 forward (Observation Library Lounge). Internet Cafe (Deck 8 aft-portside) was integrated into the Observation Lounge (Deck 10). China Merchants Group entered into an agreement to charter Silver Shadow for pan-Asian itineraries between January 29, 2017, and May 4, 2017. Silversea's Asian cruise itineraries will include days at sea and plenty of maiden ports of call, with access to innovative and iconic ports, old and new.