Posts tagged with "American"

Image via Bricoleur Vineyards for 360 Magazine

Bricoleur Vineyards Gains Award-Winning Chefs

James Beard Award-Winning Chefs Charlie Palmer and Nate Appleman Partner with Bricoleur Vineyards as Culinary Advisors

The winery’s first joint event with Chef Palmer is Project Zin on August 21st, which is already sold out

Bricoleur Vineyards is excited to announce that James Beard Award-winning chefs Charlie Palmer and Nate Appleman are joining the Bricoleur Vineyards team as Culinary Advisors. The winery’s first join event with Chef Palmer will be Project Zin, a sold out fundraiser for Down Syndrome Association North Bay, at Bricoleur Vineyards on August 21st. 

We couldn’t be more thrilled. Our family has long admired Chef Palmer and Chef Appleman’s talent, said Bricoleur Vineyards’ co-founder Mark Hanson. Our culinary team already creates amazing wine & food experiences for our guests, which will be enhanced by working with Chef Palmer and Chef Appleman. A mutual friend introduced us, and we really connected with Chef Palmer and Chef Appleman on our shared values of supporting philanthropy, our local community, and great wine and food. We’re excited to add their expertise and collaborative enthusiasm to our team.

Bricoleur Vineyards opened in the Sonoma County town of Windsor, just south of Healdsburg, last spring in the midst of the pandemic and in a short time has already earned recognition from San Francisco Bay Area press as the region’s Best New Emerging Winery and Most Romantic Winery.  A 40-acre picturesque destination with 21 acres of Pinot Noir and Chardonnay vineyards that have produced critically acclaimed, award-winning wines, the sustainably farmed estate also features expansive culinary gardens, fruit trees, olive groves, chickens, and honeybees.

Chef Palmer brings his signature Progressive American Cooking to Bricoleur Vineyards and will team up with the estate’s culinary team on menu creation and concept to further elevate the winery’s already robust offerings. With 13 acclaimed restaurants and rooftop bars across the United States, Palmer has chosen Sonoma County as his home, designing wine-forward tasting menus for Bricoleur Vineyards that emphasize the fresh, seasonal produce grown on the estate, reflecting the bounty of the land that Palmer knows so well.

I’m excited to work with the team at Bricoleur Vineyards as Culinary Advisor, said Palmer. A close friend brought me to the estate for a tasting earlier this year and I was impressed with their tasting menus and the way their wines pair so beautifully with dishes made from their estate-grown fruits and vegetables. I cannot wait to collaborate further on wine and food experiences and events in the future.

In keeping with their shared devotion to philanthropy and supporting the local community, Chef Palmer is excited to host the 11th Annual Project Zin event at Bricoleur Vineyards on August 21, 2021. Project Zin is a celebratory event hosted by Winemaker Clay Mauritson and Chef Palmer that benefits Down Syndrome Association North Bay. Palmer and Mauritson launched Project Zin in 2012, and the annual event has raised over $1,000,000 for DSANB. This year’s event is sold out, but to learn more about Project Zin and Down Syndrome Association North Bay, please visit their website.

At Bricoleur Vineyards, we’re all about celebrating life’s moments with wine and food, while supporting charities across the country and here at home, added Bricoleur Vineyards’ co-founder Sarah Hanson Citron. Bricoleur Vineyards is a beautiful place to gather, where social connections are fostered, and communities are built. Chef Palmer and Chef Appleman share our enthusiasm for bringing people together and we’re excited to welcome them to our team.

Bricoleur Vineyards is open Thursday – Monday, 10 a.m. – 5 p.m. by appointment only and reservations can be made by visiting their website or by calling 707-857-5700. Bricoleur Vineyards is close to the Santa Rosa airport, which accommodates both commercial and private planes, and it’s only an hour north of San Francisco. Bricoleur Vineyards is located at 7394 Starr Road in Windsor, California and can be found on Instagram.

Here is a link that includes photos of Chef Palmer, Chef Appleman, Mark Hanson, Sarah Hanson Citron, and beauty shots of Bricoleur Vineyards.

About Bricoleur Vineyards

Bricoleur Vineyards, which launched its first vintage in 2017 and opened its tasting room in 2020, is tucked away in Sonoma’s Russian River Valley – just south of Healdsburg. Founded by the Hanson family, Bricoleur Vineyards can be found at the end of a winding road in the charming, bucolic town of Windsor, only an hour north of San Francisco – and very close to the Santa Rosa airport. The distinctive name, Bricoleur, is French for one who starts building something with no clear plan, adding bits here and there, cobbling together a whole while flying by the seat of their pants.

The Bricoleur Vineyards estate produces two families of critically-acclaimed, award-winning wines – Bricoleur and Flying by the Seat of Our Pants. Pinot Noir, Chardonnay, Viognier, Cabernet Sauvignon, Sauvignon Blanc, Rosé of Pinot Noir and Zinfandel are crafted under the Bricoleur label, while Rosé of Grenache and Brut are produced under the humorous, irreverent Flying by the Seat of Our Pants label. The wines are crafted by veteran Winemaker Cary Gott and Assistant Winemaker Tom Pierson.

In addition to Bricoleur Vineyards, the Hanson family also owns Kick Ranch Vineyard in Sonoma County’s Fountaingrove District AVA. The Hanson family’s roots run deep in Sonoma County. Mark Hanson was born in Santa Rosa, and Beth Wall Hanson’s great grandfather, Pietro Carlo Rossi, was the original oenologist for Sonoma County’s historic Italian Swiss Colony. Rossi revolutionized California winemaking in the 19th century and under his direction, the Italian Swiss Colony became one of America’s leading wineries. 

Bricoleur Vineyards is open Thursday – Monday, 10 a.m. – 5 p.m. by appointment only and reservations can be made by visiting their website or by calling 707-857-5700. Bricoleur Vineyards is located at 7394 Starr Road in Windsor, California and can be found on Instagram.

Himiway Escape by Kaelen Felix for 360 Magazine

Himiway Launches Four New E-bikes

Himiway promises a more exciting fall this year, thanks to the upcoming launch of 4 new cutting-edge electric bikes from the company.

Himiway is pleased to announce the upcoming launch of its 4 types of brand new e-bike models in January 2022 of next year. The electric bike company recently released the teaser for the upcoming models; even though the teaser doesn’t reveal elaborate details about the bikes yet it has already created a  lot of buzz in the outdoor adventure world. Going by the tradition with other Himiway bikes, the upcoming ones too would be under affordable range,  with prices comfortably ranging between $1,000-under$3,000.

The 4 new Himiway bikes that are slated to be launched in January 2022 are – Softail Supreme E-bike, Multifunctional E-bike, and Premium All-terrain E-bike.

“We are thrilled to share that we will soon be launching 3 types of state-of-the-art new electric bike models come fall. While one of them would be the most innovative model from our lineup ever, another one would be an advanced utility bike that would be handy for your daily affairs. The third one is exclusively designed for outdoor enthusiasts and would make a robust partner for your off-road adventures across all terrains”, stated the leading spokesperson from Himiway.

As per the reports, Softail Supreme and Multifunctional models would be new additions to the company lineup. On the other hand, the Premium All-terrain E-bike is speculated to be the successor of the Himiway’s crowd-favorite Cruiser Electric Fat bike. However, these are just speculations- the Premium All-Terrain version may be a completely new variation for all-terrain electric bikes as well.

The Softail Supreme model stands out as the “most innovative” electric bike ever built by Himiway. Engineered with cutting-edge “first-notch” suspension (especially rear and front, based on softail designation), the bike promises to deliver an all-new experience for the riders. Going by the Himiway teaser, the model would be priced somewhere around $2,099 to say, under $3,000.

The second one, Multifunctional E-bike, is being dubbed as an all-rounder that would make a valuable addition to a busy and active family. From ferrying children to making deliveries to quick grocery shopping sessions, the bike has been designed to handle all. The bike will tentatively come around $1,?99.

The Premium All-terrain E-bike is an advanced crossover between mountain and urban electric cruiser. As the name suggests, this model is especially designed for off-road adventures and has been equipped with major required features like, extended battery and incredible speed. The upcoming bike will also impress with its stylish looks. As Himiway hasn’t mentioned about fat tires with this bike, the model is likely to be a completely new model from the company. However, the other descriptions sound very similar to that of the previous Cruiser fat bike from Himiway. In regard to cost, the bike is speculated to come around $1,?99.

About Himiway

A pioneer of electric bikes in the American market, Himiway specializes in manufacturing advanced fat tire electric bikes at affordable ranges. The company is based in California, USA, but has recently expanded to markets globally, covering all of the USA as well as Canada, the U.K., and Germany.

For additional information, please visit HERE.

Credit Cards illustration by Samantha Miduri for use by 360 Magazine

CardRatings Analyst Predicts Credit Card Landscape

The credit card analyst for CardRatings.com, a leading credit card review and comparison site, is releasing predictions for the next six months of the calendar year. Brooklyn Lowery researched how the pandemic affected the credit card industry in general and explains what consumers should expect in the coming months. She finds both positive and negative trends in her new analysis of “Mid-year update: Credit card trends to watch for in 2021.”

Travel rewards bonuses are booming: “Have vaccine, will travel.” We knew travel would return and, with it, mega travel rewards credit card bonuses. CardRatings is seeing highest-ever offers for perennial travel rewards favorites. Credit card companies seem to be competing for cardholders, so if consumers are considering travel rewards cards, now is the ideal time to apply. Bonuses are significant but may be for a limited time, even if they aren’t advertised as such.

“With most of the country returning to normal, Americans hit the roads and skies in record numbers over the July 4th weekend, and banks want to capitalize on that travel fever. We don’t predict a slowdown any time soon in travel nor in big travel rewards bonuses. As soon as one card announces its offer, a competing card announces its own. Expect this domino effect to remain at least through the end of the year.”

COVID perks remain: As Lowery predicted at the end of 2020, several credit card features and benefits designed to provide value during the pandemic are continuing as COVID restrictions lift. Her analysis finds a number of popular travel rewards cards are keeping everyday-geared benefits and features that were introduced during the economic shutdown.

“The credit card industry understandably held its breath during the height of the pandemic, waiting to see how the economy would fare and what existing customers would demand for cards in their wallets,” says Lowery. “Banks rolled out new features and benefits and customers responded positively, so banks are assessing what to keep long-term.”

Consumer credit card approvals slow and credit limits low: Anecdotal evidence suggests banks are continuing to exercise caution with card approvals and credit limits. As the economy has largely reopened, risk aversion has ebbed slightly, but it’s still common for consumers to wait for approvals or receive low credit limits. At this point, lending may continue loosening at a steady rate; that could depend on what happens with COVID variants and possible new restrictions going forward.

Small business credit cards bounce back: After 18 months of hardship, small business owners are receiving positive news – small business credit card approvals are bouncing back and businesses are having an easier time getting approved. Banks are marketing this card type again after largely stopping at the height of the pandemic.

Interest rates low – for now: Most credit card interest rates are shaped by the U.S. prime rate, and the Federal Reserve isn’t predicting a rate hike until 2023, so major changes in credit card interest rates seem unlikely for now. That said, issuers can increase interest rates apart from that federal rate and traditionally have done so as they introduce new features or benefits. Lowery believes the historically low interest rates will stick around for the next six months but predicts they’ll creep a bit higher in 2022 as banks continue rolling out new features and benefits to attract new cardholders. That means now is the time to pay down credit card balances.

“Peeking ahead to early 2022, I think we’ll see balance transfer offers make a comeback following the holiday season. Of course, everything here is dependent on COVID remaining under control and the economy remaining fully open. If any of that changes, all bets are off.”

Fireworks by Mina Tocalini for 360 Magazine

Independence Day Must Haves

Tangy Floral Spritz

The biggest birthday party of the summer is right around the corner and Cavit Wines knows the perfect way to celebrate! Toast to America with a refreshing cocktail that sparkles and shines like the fireworks on the Fourth of July. Below you will find a super easy recipe featuring Cavit’s bright and fruity Prosecco that can be made in under 5 minutes!

Serves: 2

Ingredients:

  • 4 oz (1/2 cup) grapefruit juice
  • 2 oz (1/4 cup) Chase Elderflower Liqueur
  • Ice cubes
  • 6 oz (3/4 cup) Cavit Prosecco
  • 2 grapefruit wedges
  • 2 edible flowers

How to mix:

Divide grapefruit juice and liqueur between 2 glasses; fill glasses with ice cubes; top with Prosecco. Garnish each serving with grapefruit wedge and an edible flower.

Tip: Edible flowers can be found in gourmet food markets in the produce section with herbs or can be ordered and purchased online.

Cavit Wines' Tangy Floral Spritz via Kayleigh Dietz at Berk Communications for use by 360 Magazine

1800 Coco Swizzle

With the summer solstice right around the corner on Sunday, June 20th, cocktail enthusiasts will be looking for delicious, interesting new cocktails to pass the time on the longest day of the year. Fortunately, 1800 Tequila offers the perfect mix of summer tequila cocktails made with their 1800 Silver, 1800 Cristalino, and 1800 Coconut expressions – ideal for unwinding during long summer days, whether enjoyed on vacation or kicking back after a long work week! Please find below three solstice-ready 1800 cocktails and links to purchase 1800 Silver (Drizly & ReserveBar), 1800 Coconut (Drizly & ReserveBar), and 1800 Cristalino (Drizly & ReserveBar).

  • 2 oz. 1800 Coconut
  • ¾ oz. fresh lime juice
  • ¾ oz. simple syrup
  • 6-8 muddled fresh mint leaves 
  • 2 oz. club soda

Directions: In a cocktail shaker, muddle mint leaves before adding the remaining ingredients (sans club soda) and shaking with ice. Pour into a Collins glass over fresh ice and top with soda. Garnish with a mint sprig.

1800 Coco Swizzle 1800 Tequila image via Vaughn Lowery for use by 360 Magazine

Soul Insole Gel Insoles

Who says adorable sandals or flip flops can’t provide foot support? Say goodbye to foot pain and hello to comfort thanks to Soul Insole. This company which makes memory gel insoles that are designed to relieve foot, back and other body pain and gently guide the foot into proper alignment.

You can’t even see these insoles in sandals or flip flops, as they stick to any surface and are clear. They can easily be removed and washed too. Soul Insole gel insoles are perfect for summertime footwear. For more info, please visit Soul Insole’s website.

Soul Insole image via Lindsay Jorgenson for use by 360 Magazine

Absolutely Gluten Free’s Snacks

Absolutely Gluten-Free’s new look and feel across all products better reflects the new and delicious line of sweet and savory items that hit the market. The new line includes an assortment of scrumptious, sweet, and savory snacks that are 100% Certified Gluten-free, all-natural, OU certified kosher, grain-free, free of corn and rice, vegan, and made with only clean and wholesome ingredients. 

Whether you choose a gluten free lifestyle for health, lifestyle or wellness reason, the gourmet, innovative and flavorful Absolutely Gluten Free line of snacks and treats are perfect every gluten-free occasion.  Stock up for Independence Day with the line of Absolutely Gluten Free, which includes crackers and flatbreads, Coconut Chews, and macaroons. For more info, visit their website, Facebook, and Instagram.

Absolutely Gluten Free snacks image via Stacey Bender at Bender PR Group for use by 360 Magazine

E.Cuarenta’s Sparkling Tequila Sunrise

This refreshingly delicious cocktail is great to sip on at cook-outs and picnics. The Sparkling Tequila Sunrise starts with Bay area rapper Earl “E-40” Stevens’  E. Cuarenta tequila mixed with orange juice, then topped off with prosecco and Grenadine. The cocktail is perfect for a hot summer day. 

Sparkling Tequila Sunrise:

  • 2 oz of Tequila
  • 3 oz of orange juice
  • ¼ oz of Grenadine
  • Earl Stevens Selections Prosecco

Method: Add tequila and orange juice into a shaker, add ice, and shake. Pour into a champagne flute and add grenadine slowly. Top with prosecco. Garnish with orange slice.

Walden Farms

Walden Farms just relaunched their amazing zero calorie, zeros fat, zero sugar and zero carbs products. These products sound too good to be true, but Walden Farms has found a way to deliver healthy and delicious dips, spreads, sauces, dressings, condiments, syrups, and coffee creamers.

For those looking to replace their favorite unhealthy dressings with guilt-free alternatives, try Walden Farm’s new Ranch Dressing, Thousand Island, or Honey Dijon. Other tasty options include their BBQ Sauce for grilling, Caramel Dip for dessert, and Alfredo Sauce, which is perfect for healthy family dinners. Walden Farms helps customers find nutritious options that don’t compromise taste.

product images via Stacey Bender at Bender PR group for use by 360 Magazine

Mighty Sesame Co. Tahini

Mighty Sesame Co. offers delicious, healthy, creamy tahini. Their newest launch includes the spicy Harissa tahini favor. Tahini can be used on and in so many recipes, such as in vinaigrettes, dressings, and truffles. With a variety of options– from organic tahini, to whole seed tahini to harissa tahini– customers are sure to love this nutrient-dense, high protein sesame paste.

For those looking to stock up on Might Sesame Co’s deliciousness, the company offers the classic Tahini tub. For no-mess meal prep and easy storage, squeeze-able tahini in a bottle is available. Mighty Sesame Co. ensures that their products are sustainably sourced from Ethiopia.

Mighty Sesame Co. product images via Stacey Bender at Bender PR group for use by 360 Magazine

Andrew & Everett Cheese

Andrew & Everett offers all natural, anti-biotic free, non-cloned sourced cheese. Their American cheese stands apart from other brands with it’s uncompromised quality and taste. Customers can order cheese shredded, pre-sliced, grated, or in bricks. The company also offers butter and seasonal cheese balls.

All of the milk in the company’s cheese is sourced from self-sustaining, family-run farms in America’s heartland– promising consumers with high-quality cheese from free range, grass fed cows. Andrew & Everett products are produced in a gluten free facility and contain no preservatives, binders, or fillers.

Andrew & Everett cheese product images via Stacey Bender at Bender PR group for use by 360 Magazine

Indigo Wild Clothing Biodegradable Apparel

Indigo Wild Clothing creates biodegradable clothing and swimwear that is revolutionizing the fashion industry. The brand‘s unique fabric decomposes in less than five years, while most swimwear sits in a landfill for 40–200 years. Indigo Wild Clothing’s fabrics leaves zero chemicals or microplastics behind. Their brand produces zero waste and uses only biodegradable packaging materials.

Indigo Wild’s bathing suits are made for those with active, on the go lifestyles. These handmade, Hawaiian suits are becoming increasingly popular, and were recently showcased at Miami Swim Week 2021. Indigo Wild Clothing’s suits are priced at $65.00, and consumers will feel good knowing that their money is going towards an innovative and eco-friendly brand.

Indigo Wild Clothing bathing suit image via Lindsey Hytrek at ChicExecs Brand Development for use by 360 Magazine
The Nation cover illustration by Heather Skovlund (Original cover art Illustration by Barry Blitt) for 360 Magazine

Elie Mystal × The Nation

Can Biden Fix the Courts That Trump Broke?

There is no progressive future without a serious fight to reclaim the judiciary from the grips of conservative judges.

In The Nation’s latest cover story, justice correspondent Elie Mystal explains:

“While previous Republican administrations tried to break government, Donald Trump tried to break democracy. He did this boldly and brazenly, by attacking elections, and he did it less boldly but no less brazenly, by working alongside Mitch McConnell to take over the unelected branch of government that sets the rules for all the others: the federal judiciary. That branch is now stuffed with conservative ideologues masquerading as jurists.”

Making the case that there is no progressive future without a serious fight to reclaim the judiciary from the grips of conservative judges, Mystal evaluates whether Biden can fix the courts that Trump broke: Happily, there is a solution, and that solution is to expand the lower courts.

Congress has used its constitutional authority throughout history to expand the federal judiciary. Historically, these lower court expansions were bipartisan: As the country grows in population, so does the number of lawsuits. Adding judges is just a thing we used to do to keep the judiciary running smoothly. But since 1990, when the last judgeship bill was passed, the US population has grown by a third; the number of district court cases has grown by 38 percent; and the number of cases involving a felony defendant has grown by 60 percent. The number of judges has not changed.

“I absolutely believe that if Trump had won reelection and McConnell had hung onto the Senate, Republicans would be working on court expansion right now,” writes Mystal. “There just aren’t a lot of vacancies left in the federal judiciary. Republicans can always find some casus belli for stacking the courts with conservative judges. The only question is whether Democrats will ever realize there’s a war, and they’re losing it.”

“To balance out decades of inequity, Biden’s judicial appointments shouldn’t ‘look like America;’ they should overrepresent the kinds of Americans routinely excluded by Republican administrations,” he continues. “You can’t balance a seesaw by standing in the middle when an elephant is sitting on one side.”

Read the full cover story here. Mystal, who covers the courts, the criminal justice system, and politics for The Nation, has also recently reported:

Biden’s Supreme Court Commission Is Designed to Fail

Biden’s recently announced commission to study court reform isn’t designed to offer solutions—it’s designed to be an excuse to do nothing.

How the Supreme Court Gave Cops a License to Kill

Derek Chauvin’s defense team is hoping that the 1989 Graham v. Connor ruling will be his ticket to acquittal.

The Blue Wall of Silence Is Crumbling Around Derek Chauvin

For one of the first times in memory, police are testifying against one of their own. But will it lead to an actual conviction?

ABOUT Elie Mystal

Elie Mystal is The Nation’s justice correspondent—covering the courts, the criminal justice system, and politics—and the force behind the magazine’s monthly column, “Objection!” He is also an Alfred Knobler Fellow at the Type Media Center. A graduate of Harvard College and Harvard Law School, Mystal was previously the executive editor of Above the Law and a former associate at Debevoise & Plimpton. He’s a frequent guest on MSNBC and Sirius XM. 

Founded by abolitionists in 1865, The Nation has chronicled the breadth and depth of political and cultural life from the debut of the telegraph to the rise of Twitter, serving as a critical, independent, and progressive voice in American journalism.

Pandemic Real Estate Trends

5 Massive Real Estate Trends Created by the Pandemic

By: Polina Ryshakov, Director of Valuation at Sundae

Coronavirus has had a huge impact on a number of demographic and home buying and selling trends. Here are 5 of the most noteworthy shifts. The coronavirus pandemic upended daily American life in countless unpredictable ways. Real estate was no exception. Some of the ways in which the pandemic affected housing reshape how we think about homeownership and hint at larger economic shifts down the line.

First-time buyer demographics prior to 2020

The median age of first-time homebuyers was around 33 before the pandemic started. This is the oldest age recorded since 1981 when the median age of first-time homebuyers was 29.  As homeownership is commonly considered a gateway to wealth creation and a key piece of the American dream, an older average first-time buyer age could reflect a lack of economic opportunity for young people. Over the past few decades, there were several factors behind the extra four years it takes on average to buy a first home.

Contributing factors include:

  • A skyrocketing increase in college tuition
  • Delay in household formations (i.e., having children later)
  • Rapid home appreciation causing a lack of affordability
  • Other key demographic trends predating the pandemic

The median age of repeat buyers increased even more rapidly between 1981 and 2020, going from 36 to 55. As with first-time home buyers, multiple interesting factors drove this trend. For example, some studies claim that baby boomers prefer to age in place, identifying 3.6 million unoccupied rooms owned by baby boomers, thus contributing to the housing shortage.

But it’s not that simple.

Since 1980, wage growth hasn’t kept up with inflation for over 50% of American workers. Meanwhile, the dot.com bust and the Great Recession dropped S&P levels 43% and 48%, respectively, which also reduced home equity at a similar level. These essentially trapped boomers because they owed more on their homes than they could get for them, while at the same time suffering hits to their overall wealth. The Great Recession also created an opportunity for older Gen Xers and boomers with cash to purchase investment properties. As home prices dipped following the bubble bust, Americans seized their chance to buy properties for passive income, and with more distressed properties for fix and flip opportunities, real estate became a more popular way for people above-median home-buying age to create wealth, thus contributing to the increased repeat buyer age. The biggest jolt in demand is yet to come

The largest age bracket among millennials, which adds up to nearly 10 million people, has been turning 30 over the last two years. This is the milestone age of starting a family and buying a home; their home-buying appetites are already starting to show. According to the NAHB Trends Report, between the fourth quarter of 2019 and that of 2020, the number of millennials and Gen Xers actively searching for a home increased dramatically, from 46% to 65% and 43% to 57%, respectively.  The relative numbers of Gen Zers and boomers remained essentially flat, with 42% and 32% looking for a home, respectively. With this demographic backdrop, and the continuing economic and social fallout from the coronavirus, what are we likely to see over the remainder of 2021 and beyond?

Trend #1: Median age of first-time homebuyers will decline

Millennials’ desire to own a home has been long debated. A number of long-term trends put millennial homeownership on the backburner:

Interestingly, the COVID-19 pandemic created an attractive new opportunity for this demographic cohort. Several things came together: immediate demand for more space with the need to work from home, record low-interest rates that translate to lower monthly mortgage payments, and the last piece of the puzzle, increased savings. While staying home, there is no need to buy new clothes or daily Starbucks. There is no going out after work or on weekends, and a lot less travel, for work or pleasure. In fact, the virus even put a pause on paying off college debt, since it became a COVID-19 Relief option. The bottom line is that more people will have the ability and interest to buy a house, sooner than they were before.

Trend #2: Median age of repeat home buyers will decline

The median age of repeat home buyers is likely to decline immediately post-pandemic but will revert to the pre-pandemic increasing trend quickly.  The average tenure of homeownership continued to increase and was over 8 years at the end of 2020, up from 4 years in 2007, before the Great Recession. Assuming the median age of the typical “move up,” or second-time home buyer is roughly 40 years old (given the simple math of 33 + 8), a median repeat buyer age around 55 means that a lot more people in their 50s, 60s, and 70s are acquiring third, fourth, or even fifth properties. One of the factors behind the dramatic age increase in repeat buyers since 1981 is the growing popularity of real estate as an investment. During the Great Recession, mom and pop investors who had cash and solid credit were able to build their rental income portfolios by capitalizing on depressed home prices and strong rental demand from distressed homeowners.

Another factor is the baby boomer generation born between 1940 and 1964 has been downsizing. According to the latest Census data, many baby boomers will be single in retirement. Almost a third of men and over half of women are unmarried at 65 or older. With the onset of the pandemic, city dwellers who could work remotely and whose kids started going to school virtually began looking for bigger houses and open spaces in rural areas. With interest rates at historic lows, amid the pandemic, it became a strangely perfect time to buy a dream vacation home away from major Metropolitan Areas.  The annual rise in second-home mortgage applications is more than double the increase in mortgage applications for primary homes, with demand-driven primarily by families with kids.  Aside from vacation homes, working, learning, dining, working out, and self-entertaining at home created the need for more space and put a larger value on the fourth bedroom or larger back yard.

Trend #3: Length of the home search process increased and will keep increasing

Lack of supply sets the trend for buyers to view fewer homes while the home purchase process itself is increasing. Tight inventory results in fewer homes on the market and buyers must search longer for the right home. With fewer homes available, there are fewer homes that fit the buyers’ requirements coming on the market. On top of that, in the Housing Trends Survey the number one reason 40% of home searchers cited, is being outbid by other offers as opposed to not being able to find an affordably priced home, which is a big difference from 19% of home searchers a year ago.

Trend #4: Fewer sacrifices will be made to purchase a home

Financial experts recommend having three to six months’ worth of expenses saved up in an emergency account. But at the end of 2019, according to GoBankingRates survey, 69% of Americans have less than $1,000 in savings. The personal savings rate or amount people are saving as a percentage of their disposable income, soared to 33% in April of 2020. That was the highest savings rate recorded since BEA started tracking it in 1959. People realized the importance of having emergency funds and at the same time, stimulus payments and tax refunds have been distributed to help build up a reserve. Per Generational Trend Report from NAR, in order to save for a down payment, homebuyers had to cut spending on non-essential items, entertainment, clothes, vacations, get a second job or sell a car. But with severe limitations on how money can be spent, savings built up on their own.

Trend #5: Fewer repeat buyers will compromise on the top four reasons 

With so few homes for sale, the additional risks of holding an open house to sell their own, and having crowds doing walkthroughs, move-up buyers are likely to stay put unless a property that meets most of their needs is identified and won in a bidding war. Not only have public health concerns necessitated virtual tours, but homebuyers are getting savvier with online tools. Even before the pandemic, 93% of homebuyers used the internet as a resource in their home search, according to the NAR. Sellers are having to keep up with the trends, too.

Further Reading: Real Estate Shifts to Accommodate Customers in a Virtual Age

What will be the big theme for 2021?

To start, a massive fear of missing out.

The headlines of every major media outlet are screaming about continuous home price appreciation. The thought of home prices reaching the point of being out of reach while interest rates have nowhere to go but up will be the end of the last opportunity to buy that first, or second, or even an investment property.

With a tight, low-inventory market dipping under 2 months of supply, the strongest contract activity in a decade, and historically low-interest rates, buyers’ fear is well-founded and likely to only get worse.

But don’t take our word for it.

A Very Sperry Fall

By: Armon Hayes

“A wet deck was such a dangerous thing” said Paul Sperry.

Sperry is the story of an iconic American brand. Fashion and sustainability has been rooted within the brand since 1934, when Paul Sperry fell off the deck of his sailboat. He set out to design a non-slip boat shoe, which led to the birth of an array of styles that would accommodate lifestyles and seasons to come. For men, women, and children, he inspired everyone to find common ground.

Inspired by his dog’s grooved paws, which never seemed to slip, he carved grooves into a rubber sole then glued that to a canvas upper. The lugged rubber outsole with molded Wave-Siping™ known as the mother of invention provides no-slip traction. It has become an iconic American shoe, with partnerships in style with artists like John Legend. As of late, in celebration of 85 years of Sperry’s iconic and true innovation, and preparing for the fall season, I highly recommend their Avenue Duck boots. It serves as the quintessential item for a forever changing environment.

I chose the tan/brown, which fits true to size built with essential features and quality materials to provide comfort and sure footing in any conditions. Therefore, I spend less time worrying about the climate while spending more time enjoying each experience in #sperrystyle 

Ready for anything, the Men’s Avenue Wool Duck boot is moderately priced at $109.95 and is available in Tan/Brown, Grey/Black, Olive/Brown and solid Brown. Four options thoughtfully designed with contrasting wool details adding texture and durability to such a fashionable shoe.

Key features include:

  • The lightweight duck boot that’s ready for anything. Looking for variety, also try the Saltwater Duck boot for Men, Women’s &Kids.
  • Waterproof EVA shell and premium wool upper keeps feet dry and warm in wintry conditions.
  • Non-marking, lugged rubber outsole with molded Wave-Siping™ provides no-slip traction.

So, no longer will you let cold temperatures and stormy skies stop you from embarking on your next journey. Take on the elements in Sperry boots designed to withstand wet weather and rugged terrain. So, you can worry less on how to keep it chic without shuffling aside your needs or, of course, safety. 

Khloe kardashian, 360 MAGAZINE, celebrity, Instagram, blonde

Khloé Kardashian Goes Viral

As of late, Khloé Kardashian stuns her fans on Instagram with an entirely different look. At first glance, many thought she resembled a Guess model or actress Denise Richards (Charlie Sheen‘s ex-wife).

Even her ex Tristan Thompson weighs in on her extreme makeover.

consumer reports, 360 MAGAZINE

CONSUMER REPORTS AIRLINE URGE

Consumer Reports Urges Major Airlines To Let Kids Sit With Their Parents Without Extra Fees

More Than 120,000 Sign Petition To American, Delta And United Airlines; CR To Testify At Congressional Hearing On Tuesday On The Passenger Experience 

WASHINGTON, D.C. – In letters sent today to American, Delta, and United Airlines, Consumer Reports called on the companies to ensure children are seated with their families on planes at no additional cost.  More than 120,000 people have signed Consumer Reports’ petition to the airlines in support of this effort since it was launched just over one week ago. 

“Families face a constant battle to ensure they are seated together, even when they choose seats far in advance,” said Anna Laitin, director of financial policy at Consumer Reports.  “The airlines should put safety first and seat children with their families without charging them extra for it.”

Consumer Reports delivered its letters to the three airlines in advance of a hearing by the House Aviation Subcommittee on Tuesday, March 3, at 10am EST, examining the experiences of airline passengers and what can be done to improve it.  William J. McGee, Aviation Adviser for Consumer Reports, will testify at the hearing about a number of issues, including the need to ensure the safety of children travelling with their parents. 

In 2016, Congress directed the Department of Transportation to “review, and if appropriate, establish a policy” to ensure airlines allow families with children 13 and under to sit together without paying additional fees. After two years of inaction by the DOT, Consumer Reports filed a Freedom of Information Act request to find out the status of this inquiry.  One year later, the DOT finally forwarded 136 consumer complaints to CR, while indicating that it was unnecessary to take action “based on the low number of complaints.”

Consumer Reports analyzed those complaints and discovered that some involved children as young as one or two years old who were assigned seats apart from their parents.  Other children seated separately were autistic, suffered seizures, or were susceptible to life-threatening nut allergies.  CR began publicizing the issue last fall and set up a portal to the DOT’s complaint system, generating more than 600 submissions in just two months – well over four times as many as the agency received in the previous two and a half years.

Parents who submitted complaints shared how they bought tickets and chose seats together, but the airline reassigned their seats before the flight.  They were forced to pay for an upgrade, or beg gate agents, flight attendants, and other passengers to switch seats with them.  Other families buy low-cost Basic Economy tickets only to find that this fare didn’t just deny them the opportunity to pick their own seats, it put the parents in seats far from their children.  Some families are told gate agents can fix the problem, but only if they are willing to pay an extra fee.

Beyond the anxiety and frustration this causes for families, seating children away from their parents also creates a safety risk for all passengers during an emergency.  Furthermore, a 2018 FBI report found that inflight sexual assaults are on the rise, with investigations into assaults on children as young as eight.  

Over the past week, all three airlines have maintained that they have policies to ensure children are seated with their parents.   However, the complaints submitted recently to the DOT make it clear that this problem persists and that these policies are not always followed.  Too often, the onus is put on the parents to ensure that they are seated with their children, rather than the airlines who control the seat map and know the ages of all of the people travelling on the plane. 

“The airlines can fix this problem without government intervention,” said Anna Laitin, director of financial policy for Consumer Reports.   “Ensuring that children are always seated with their parents regardless of the ticket purchased would improve safety and security for all travelers while easing the minds of families.”

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Consumer Reports is an independent, nonprofit membership organization that works side by side with consumers to create a fairer, safer, and healthier world. For 80 years, CR has provided evidence-based product testing and ratings, rigorous research, hard-hitting investigative journalism, public education, and steadfast policy action on behalf of consumers’ interests. Unconstrained by advertising or other commercial influences, CR has exposed landmark public health and safety issues and strives to be a catalyst for pro-consumer changes in the marketplace. From championing responsible auto safety standards, to winning food and water protections, to enhancing healthcare quality, to fighting back against predatory lenders in the financial markets, Consumer Reports has always been on the front lines, raising the voices of consumers.

Vaughn Lowery, Cadillac, General Motors, 360 MAGAZINE, auto, xt4, suv

CADILLAC XT4 SPORT AWD

“Spunky with muscle tone and loads of curb appeal!”360 MAGAZINE

By Krishan Narsinghani × Vivek Lalchandani × Vaughn Lowery

Big, boujee, and imposing. Three words which are normally used to describe Cadillac SUVs. With more people buying smaller SUVs and crossovers rather than sedans, Cadillac had no choice but to roll out this new compact crossover. So, can the XT4 AWD hold its weight in this ultra-competitive market?

Design

Let’s start with playing the shield game, ever heard of it? Try counting how many Cadillac shields you can find on the vehicle – let’s keep a count. Starting out front and center is the signature Cadillac emblem located inside, you guessed it, a shield shaped grill (2). Admittedly it looks terrific and adds the touch of luxury that Cadillac loyalists expect. Outlining the grill are full LED headlights across all trims with signature lobster claw lookin’ DRLs. Looking at the side profile, the XT4 has one of the best profiles of any compact crossover out there. It’s slightly boxy like other Cadillac crossovers and SUVs but still has curves and swooping lines like its European competitors, the Audi Q3, BMW X1/X2 and the Range Rover Evoque. All XT4s come standard with 18” wheels but 20” inch wheels are optional. Also visible from the side profile are two more logos prominent on each front fender (4). Wrap around to the back to find full LED vertical taillights wrapping around slightly to the side of the vehicle. They work well on the XT4, making it appear bigger and wider. An interesting attention to detail is the two lower trims, Luxury and Premium Luxury, come with red taillight lenses whereas the top Sport trim comes standard with clear taillight lenses to add to the sporty aesthetic. Below is a dual exit exhaust setup with a single tip for each side. Rounding off the rear is the Cadillac shield placed right above the license plate which is placed within another shield shaped cutout (6). Overall, the XT4 is a very handsome breed that exudes luxury and sportiness.

Interior

The XT4’s interior is a much-needed upgrade over the past piano black cladded plastic feel. The soft touch materials, soft leather seats (ventilated and heated) and design integrate well with the exterior design. Slide back the shade over the sunroof and watch the white leather pop – making the interior feel airy and open. This must have sunroof is unacceptably optional. The design is refreshingly modern and upscale with a minimalistic approach. Cadillac nailed the balance between on screen vs. physical buttons… there’s even a volume knob! Step into the backseat and you’ll find class leading rear leg room. It’s a six foot passenger’s dream come true. The materials get slightly worse in the rear of the cabin but not obnoxiously. The rear passengers get their own climate control zone, lined up to resemble our favorite logo (7).

Technology

Looking into the Cadillac User Experience (CUE) infotainment system, Cadillac has come a long way in intuitiveness and display quality. The system is very easy to use with either the touchscreen or the control knob like its European competitors. Climate controls have their own set of physical buttons also lined up to resemble the Cadillac shield (8). The fully integrated display is cleaner than the stuck-on tablet looks of many vehicles nowadays. Its only downside must be that the screen is slightly tilted away from the driver attracting potential glare. CUE also supports Apple CarPlay and Android Auto with one touch NFC pairing for the latter. Optional features include a head up display, digital gauge cluster, thirteen speaker Bose Centerpoint audio system, wireless phone charging, massaging front seats, and a rear view camera built into the rear view mirror that resembles a Cadillac shield (9).

Safety

Standard safety features include automatic emergency braking and rear park assist. Level up to the premium luxury trim and you get front and rear park assist, lane change alert with blind spot alert, and rear cross traffic alert. Other optional safety features include adaptive cruise control, lane keep assist with lane departure warning, automatic high beams, advanced adaptive cruise control, and enhanced automatic emergency braking. Unfortunately, Super Cruise from Cadillac is not available. XT4 follows suit with its GM siblings by alerting the driver of blind spot detections and lane departure warnings with the vibration of the driver’s seat.

Performance

Cadillac has made a name for itself in driving performance and the XT4 does not disappoint. Using a 2.0-liter turbocharged engine, the XT4 makes 237hp at 5000rpm and 258 lb/ft torque from a respectable 1500rpm. That’s 0-60 in 7.5 seconds. Not bad for the 3600lbs being carried plus a slight disadvantage due to the shape being less aerodynamic than rivals. Handling feel is good for a crossover and it rides very well on the 20-inch wheels. Stick with the 18s and expect a very comfortable and cushy ride. Go with the 20s and opt for the active sport suspension to get the best ‘drivers’ version of this vehicle. Heck you should be able to keep up with a base model Dodge Charger on a rainy day. All in all, casual drivers should have enough power and handling feel to fulfill their needs. Fuel economy is everything in today’s age and eco-goers can appreciate the fuel consumption of this one The FWD models get 24/30 city/highway while AWD models get 22/29 city/highway. The AWD system Cadillac threw at this is interesting in that it’s a dual clutch setup, enabling it to disconnect power going to the rear wheels to help fuel economy.

Overview

In a saturated market, 360 Magazine can confidently say the XT4 drives for comfort, boasts luxury, and combats rivals with dashing looks. One may argue that Cadillac has never built a crossover or SUV that truly belonged in the same conversation as major German or British players but now we have a winner. If you want a crossover that will haul your family, let others know you made it, and provides a fabulous trip experience, Cadillac will gladly sell you this one. Pricing begins at a reasonable $35,600 base. Counting nine shields on this vehicle, not including the logo on the wheels and the steering wheel (surely we missed a few), the branding imposes itself on consumers and spectators.