Getting a Mortgage: The Inside Story

My husband and I were responsible, tax-paying honor students, the kind of urban, young professionals accustomed to benefiting from, while simultaneously feeling guilty about, our hetero- and white privilege. This was probably the first significant time in our lives we had heard the word "No."

Upwardly Mobile: ‘Connected World’

How will traffic become a thing of the past? How will the world change when every person on the planet has access to a cell phone? What if every thing on earth was connected to the internet? What will civilization 2.0 truly look like?

These are just a few of the questions AT&T is looking at in their innovation series Upwardly Mobile. A bold look into what the next 20+ years has in store for us — speaking with everyone from a futurist architect to one of the creators of BitTorrent.

In Episode One, Connected World, we explore how the mobile network is transforming everything from our homes, to our cars, to the cities we live in. We call this the “internet of things,” a world of interconnected devices that not only controls our cars, thermostats and light switches, but automates them.

The Mobile Movement from AT&T created an innovation series called Upwardly Mobile to document the ideas bringing the power of the mobile network to life, and the visionaries behind them. Watch the first episode of the Upwardly Mobile series here, and follow the mobile movement on YouTube.

Got a Business Idea That Will Change the World?

Brought to you by Chivas

The world is changing, led by a new generation of men and women who are coming together to win the right way with socially conscious business ideas that aim to make a profit while creating positive change at the same time. Chivas is hosting a global search for entrepreneurial thinkers who dare to be good, and awarding a share of up to $1 million to exciting start-ups that have innovative business ideas that can help transform communities and solve global challenges.

If you think you have the Chivas spirit of winning the right way, watch this video here and head over to TheVenture.com to learn how you can potentially win both seed money and mentorship to take your business idea to the next level.

Whatever your idea or start-up, if it’s brilliant, we want to hear about it. Here’s to your potential to make the world a better, more extraordinary place. It’s only just begun. Chivas. Live with Chivalry.

Reward Your Small Business With the Capital One Spark® Cash Card

Brought to you by Spark Business from Capital One  

Obsessed about your business? No, you’re driven. Driven to go above and beyond. So why settle for a business credit card that limits how much cash back you earn? Or charges you for an employee card? In your business, you accept every obstacle, deadline, and challenge but that shouldn’t extend to your business card.

With Spark BusinessSM Credit Cards from Capital One®, you could earn 2% cash back on every purchase, and receive free employee cards. Now those are rewards you can accept. 

Learn how you don’t have to settle for less and get all the details at www.capitalone.com/smallbusiness.

CVS Health: Making Health More Affordable and Accessible

Brought to you by CVS Health

More people are getting coverage…but there’s a shortage of doctors. So CVS Health is making health more affordable and accessible. With over 900 MinuteClinic locations for walk-in medical care, open nights and weekends.

12 Mortgage Terms You Should Probably Know About

Flickr’s creative commons (user Matthew Rutledge)

Sponsored by Chase Mortgage Banking. Review their resources to help you find and finance your home.

When I waded into the business of trying to buy an apartment, I was soon waist-deep in Things I Didn’t Know. There were so many unfamiliar words and abbreviations and clumps of jargon. But I went to the kind of hoity-toity liberal arts college that was big on literary theory — Zizek, Foucault, Derrida and Butler were scary at first too — so once I discovered that their bizarro language could be decoded, their ideas were pretty straightforward. (Most of the time.)

If I could kick my way through the murk of that and end up swimming, I figured I could do the same thing with Mortgage-ese. And so I did, with nothing to help me but sheer cussedness and my determination not to pay anyone to do anything I could conceivably do myself. Here is a glossary of what I learned are some of the most important mortgage terms. Familiarize yourself with them and soon you too can feel more confident in your home-buying adventures.

But first: watch this quick lesson that details the most important terms

Adjustable-rate mortgage (ARM) A type of home loan in which the interest rate changes according to a standard financial index. ARMs can start off lower than a fixed-rate mortgage, but that can change. I got one that is steady for seven years and then adjusts, which is an especially good deal if the odds are good that you will sell your property in the near term (rather than, you know, 30 years from now).

Appraisal How much the property is worth according to a professional appraiser.

Assessed value How much your house is worth according to the municipality, so that they can figure out how much you have to pay in real estate taxes. Taxes may be annoying, but remember: they help maintain the roads, and potholes outside your front door would make your place less attractive to future buyers.

Closing costs Expenses like attorney’s fees, taxes, escrow payments and title insurance that buyers and sellers incur while transferring ownership of a home. These will, almost inevitably, run higher than you expect, so plan to have more cash on hand than you think you will need.

Courtyard and Chicago Cornerback, Charles “Peanut” Tillman, Spread Holiday Cheer to Guests

Brought to you by Courtyard 

To celebrate the most wonderful time of the year, Courtyard and Chicago cornerback, Charles “Peanut” Tillman, surprised unsuspecting guests with some jolly laughs and smiles in this holiday edition of ‘Courtyard Camera.’ Watch as Tillman goes incognito at Courtyard’s Chicago Downtown River North property, posing as the director of the hotel’s holiday jingle. ​​

In their fourth year as the Official Hotel of the NFL, Courtyard is hosting special fan activities and experiences including tailgates, ticket giveaways and social media contests.

Access Courtyard’s YouTube channel to watch more ‘Courtyard Camera’ videos! For more information or to book your next stay, please visit Courtyard.com or follow Courtyard on Facebook, Twitter, or Instagram.

Revamp Your Backyard With These 5 Unique Projects

Brought to you by Chevy

DoItYourself.com partnered with Chevy to feature 5 how-to/DIY videos focusing on unique backyard projects. Learn how to make an outdoor movie screen, a patio table with a built in cooler, glass bottle torches, a clean burning fire pit, and a whiskey barrel water feature.

Watch as host, Noah Schuffman, helps homeowner Brad complete each of the projects to make an unforgettable anniversary for his wife Lisa. To create your own backyard projects, check out each of the step-by-step tutorials and videos in the “Hands On With DoItYourself.com” series. Full step-by-step articles are also available through the design center.