This Is the First Decision You Should Make When Decorating a Small Bedroom

 
 

Most people aren’t blessed with a palatial, Cher Horowitz-sized bedroom à la Clueless (color-coded motorized closet and all, IYKYK)

Luckily, though, there’s no shortage of tried-and-true decorating hacks to help maximize square footage in a compact sleep space, from brightening paint colors (hint: try creams and blues) to furniture layout ideas. Recently, I even learned about a new, expert-approved small-bedroom design tip that should arguably be priority number one when it comes to designing your sleeping quarters.

I asked New York-based designer Kyi Gyaw of Kyi Gyaw Interiors to share a few of her top small-space styling pointers, and she had one particularly notable takeaway. According to Gyaw, the very first decision you should make in decorating any teeny-tiny bedroom is — drum roll, please — determining “if you want to go quiet or loud.” What does that mean, exactly? Essentially, choosing a distinct tone for the space from the get-go, whether that’s more muted and minimalist or bold and packed with personality. Below, Gyaw breaks down how to pull off both ends of the small bedroom spectrum. 

How to Decorate a “Quiet” Small Bedroom

If you’d rather lean into a neutral bedroom design scheme, Gyaw first recommends being intentional with your color palette by honing in on just three to four hues total — specifically soothing, muted shades. “There’s a trend of only using white and beige these days, but it’s OK to add color as long as they are pastel and softer,” she explains. From there, Gyaw also suggests adding “a lot of interest in textures and very subtle patterns” with textiles and decorative accessories, but again, sticking with similar tones throughout the space “to not overwhelm your eyes,” she adds. Consider finishing off the look with linen bedding and window treatments specifically for the ultimate “welcoming, relaxed, and lived-in” feel, Gyaw notes.

Lamp placement is key in any tranquil bedroom as well. “I suggest having different types of lighting in your bedroom so that you can really enhance the mood,” says Gyaw. Think beyond just ceiling lights, as Gyaw notes they have a tendency to create a “cave-like feeling.” Instead, “in order to have that layered lighting effect, you will need table lamps and floor lamps,” Gyaw adds. For a warm, cozy ambience, she advises 2700K temperature bulbs, preferably with dimming capabilities. 

How to Decorate a “Loud” Small Bedroom

“When I think of loud spaces, I think of bold and fun,” says Gyaw. “It’s OK to have a lot of things going on, but I suggest you find a common thread.” She cites playing with different textile patterns and colors, for example, yet keeping them all within the same fabric family, like velvet or satin. Once you’ve landed on a cohesive design scheme, you can then get as creative as possible with vibrant rugs, bedding, throw pillows, and art. For the latter, Gyaw proposes setting up a gallery wall that incorporates mirrors — especially sculptural styles that double as accent pieces — to diversify the setup and help brighten any small bedroom. 

In terms of lighting in a more maximalist environment, Gyaw’s all for making a big statement. “Lighting is such an important aspect of any interior, and people will notice a fun chandelier, table lamp, wall sconce, or floor lamp,” she says. No need to fully reinvent the wheel here, though: You can instantly perk up an existing light with a punchy new shade, notes Gyaw, who references Etsy as a shopping hotspot for unique options. That upcycling mentality even extends to furniture makeovers, too. “I love reupholstering vintage furniture to give it a new life,” she says. “You can find a simple storage ottoman and reupholster it to a really unique fabric.” End-of-the-bed benches and reading chairs are other options you can consider for re-covering, as well.

Of course, there’s always the option to pick and choose elements from both “quiet” and “loud” small bedroom design ideas. Just be deliberate when curating furniture and decor pieces so that the space doesn’t feel overly cluttered or jarringly mismatched — unless, of course, that’s the look you’re going for because it speaks to you.

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Fourth of July celebrations in Carteret County!

 
 

JULY 2:

WESTERN CARTERET

On Saturday, July 2, Carteret County Speedway is celebrating Independence Day. The driver meet-and-greet will begin at 6 p.m., followed by race start at 7. Tickets are $15, with children 10 and under getting in free. This event will include Carolina Pro Late Models, Carolina Crate Modifieds, Street Stocks, Legends, Jr. Mini Cup, and fireworks will be incorporated. 

JULY 3:

WESTERN CARTERET (Bogue, Cape Carteret, Cedar Point, Emerald Isle, Peletier)

The towns of Bogue, Cape Carteret, Cedar Point, Emerald Isle and Peletier have come together with Emerald Isle Realty and Mac Daddy's to put on the Western Carteret Fireworks Celebration, a free event on Sunday, July 3. 

The event will begin at 6 p.m. There will be live music by Spare Change at Mac Daddy’s, and food trucks, including Meraki Mediterranean Kafe, Sunshine Girls Lemonade, LaCocina Del Coqui, Funnels of Love, R.L. Street Dogs and Dirty Tacos Mas. Beginning at 7 p.m., Kona Ice will be set up at the White Oak Elementary School viewing site courtesy of the town of Bogue.

At 7:30 p.m., the National Anthem will be played, and the U.S. Marine Corps will conduct a military flyover. 

The National Anthem will be played again preceding the fireworks at 9 p.m. 

JULY 4:

BEAUFORT

Beaufort’s Fourth of July festivities begin in the morning with the Beaufort Fire Department raising a flag at the corner of Pollock and Front streets. Mary Mikels, a former American Idol contestant, will perform the National Anthem. Following the flag raising, there will be a flyover at 10:30 a.m. by Jeff Deaton. 

At 11 a.m., the Beaufort Independence Day parade will begin on Front Street. Anyone wishing to participate in the parade should call the Beaufort Business Association at 252-241-4485 to register. The parade lineup begins at 10 a.m. 

Parking in town-owned lots will be free. 

Fireworks will begin at 9 p.m. and can be viewed from the Maritime Museum’s Gallants Channel location at 293 West Beaufort Road Ext. Gates will open at 6 p.m., and admission is $10 per car. Proceeds will go to support the Maritime Museum. 

MOREHEAD CITY

Morehead City’s Parks and Recreation Department will hold an Independence Day celebration at Jaycee Park, located at 807 Shepard St. The event will begin at 7 p.m. with live music and food trucks, such as Meraki Mediterranean Kafe and Kona Ice. The Main Event Band will play from 7-10 p.m., and fireworks will begin on the waterfront at 9. 

ATLANTIC BEACH

There will be live music by Robert McDuffy from 7-9 p.m. at The Circle. Fireworks will begin at 9 p.m. Fire pits will be placed on the beach, and kits for making s'mores will be available to purchase. 

SWANSBORO

Swansboro will host a concert with music by the Tams at the pavilion from 6-10 p.m. Streets will be closed for the concert from 3 p.m. until approximately 11. The following streets will be affected by the closures:

Front Street – from Main Street to Church Street

Church Street – from Front Street to Water Street.

Water Street – from Church Street to Main Street.

Main Street will be closed at Water Street for eastbound traffic

There will be no fireworks display in Swansboro due to loss of the vendor’s warehouse.

Get all the details on Carteret County News-Times

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County board approves 2023-24 budget with one-cent property tax increase

 
 

Carteret County commissioners voted 4-2 Monday night to approve a 2023-24 budget with a general (operating) fund of a little more than $123 million and a one-cent increase in the property tax rate from 33 cents to 34 cents per $100 of assessed value.

The tax increase will take effect July 1 and increases the county tax bill for a property valued at $200,000 from $660 in the current fiscal year to $680 in 2023-24.

During the commission’s monthly session in the board room in the administration building on Courthouse Square, commissioners Bob Cavanaugh and Chuck Shinn voted against the budget because they opposed the tax increase.

Commissioners Jimmy Farrington, Mark Mansfield, Ed Wheatly and Chris Chadwick voted for the budget, even though each said it was difficult to vote for the tax increase. Commissioner David Quinn was absent, teaching overseas under a long-known commitment. Mansfield made the motion to approve and Wheatly seconded.

The tax increase will take effect July 1 and increase the county tax bill for a property valued at $200,000 from $660 in the current fiscal year to $680 in 2023-24.

Carteret County’s tax rate continues to be the second-lowest tax rate in North Carolina.

The Carteret County Public School System, including charter schools, will get about $27 million under the budget, and Carteret Community College will get about $3 million. Both are slightly more than in the current fiscal year.

The budget includes one-cent increases in the separate fire and emergency services taxes in the Western Carteret Fire and EMS Department (WCFD) District, but the board rejected the town of Newport’s request for a three-cent Fire and EMS district tax increase. Shinn, who represents Newport, made a motion to approve the request but didn’t get a second.

Commissioners were critical of the WCFD Board of Directors’ request for the tax increases, citing a very expensive purchase of an ambulance and some high salaries in the department, but noted the WCFD board is made up of representatives of the towns it serves: Bogue, Cape Carteret, Cedar Point and Peletier.

Commissioners said the WCFD must agree to continue to serve the unincorporated Stella community with its second fire station located there and not ask the county to take over responsibility for serving Stella. The main WCFD station is in Cedar Point.

The Emergency Services Division has the largest increase, $1.39 million with $1.24 million in paramedic services. Of the $1.24 million additional paramedic services, $.88 million is for the county providing services for EMS service districts.

Due to increased service demand, an additional paramedic for the Broad and Gales Creek service area is in the approved budget. Broad and Gales Creek district taxes and fees fund this position.

The budget pays for two additional county-funded paramedics in the western end of the county. In addition, there is one new district-funded paramedic at the Broad and Gales Creek Department, which the county took over in 2022; three district-funded paramedics for the Otway Department; and three district-funded EMT basics for Otway.

The sheriff’s department gets one new detective and a records custodian.

The social services department also gets new employees to help deal with the state’s expansion of the Medicaid program.

Get all the details on Carteret County News-Times

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Here’s Why Life Is So Good in “15-Minute Cities”

 
 

Picture this: You walk out your front door, hop on your bike, and ride to a doctor’s appointment.

On your ride home, you drop by the grocery store to pick up a few veggies for dinner. Later, you walk to the park for a little sunset stroll.

This fantasy could be your reality if you move to a “15-minute city.”

What is a 15-minute city, anyway? As the name suggests, it’s a neighborhood or urban development in which everything residents need to thrive is within a quick 15-minute walk or bike ride from home. That includes shopping, healthcare, leisure, work, school, services — you name it.

The concept is not new — a business professor and scientist named Carlos Moreno popularized the idea back in 2010 — but it has been in the news a lot lately. And not for the reason you might guess: Conspiracy theorists latched onto the idea and falsely equated 15-minute cities to prison camps, in which governments would monitor and restrict citizens’ movements.

Recent controversies aside, the concept likely has staying power. City leaders around the globe included 15-minute cities on their list of steps communities can take to recover from the COVID-19 pandemic in a way that promotes health, sustainability, inclusivity, and economic resilience. Here’s what you need to know if you’re planning a move and want to consider a 15-minute city.

The Pros and Cons of 15-Minute Cities

Proponents say 15-minute cities have numerous benefits. Because they’re designed for walking and biking, they should help reduce our reliance on fuel-guzzling, greenhouse-gas-emitting vehicles amid human-caused climate change.

“The concept of a 15-minute city is very much on brand with the current interest in reducing our carbon footprint and mitigating the negative human impact on the planet,” says real estate broker Julia Hoagland. “When people are within a short distance of work, shopping, play, and entertainment, they don’t need to drive a car as often and might not even need a car at all.”

A prominent example of a 15-minute city in the U.S. is Portland, Oregon. Living in a 15-minute city can also help residents stay active and spend more time outdoors, which has been linked with mental health benefits. And because people are out and about (instead of alone in their cars) they’re more likely to socialize and foster connections, says real estate broker Louise Phillips Forbes. “When everything is condensed in a mini-community, people flourish through relationships that might not happen otherwise,” she says.

With key destinations so close together, residents can spend less of their time and energy on commuting and focus more on leisure activities, says real estate broker Stephane Guerrier. Buying a house in a 15-minute city can also be a savvy financial move, she adds.

“The convenience and accessibility of essential services make your neighborhood more attractive to potential buyers or renters,” she says. “When people see they can have everything they need close by, they’re willing to pay more for a home in that area.”

The flip side of this, of course, is that you’ll likely pay higher prices when you’re hunting for a house to buy. A home in a 15-minute city may simply be out of your price range.

“The closer you are to the action, the higher the prices are — that’s the typical give-and-take scenario,” says real estate agent Ivan Chorney. “If you want it all, you better be prepared to give more from your wallet.”

Depending on the type of development, you may also have to settle for a smaller home and property, and that just won’t work for everyone. “If having a big home and a big yard are the most important things to a buyer, then they’ll likely need to be farther away from the action,” Chorney says.

But if location — and, more specifically, proximity — is at the top of your real estate wish list, then buying in a 15-minute city could help you really hone in on what’s important to you in a home. This is true in New York City, which is sort of like a 15-minute city on steroids. There, residents treat public spaces, like parks and playgrounds, and shared spaces, like restaurants and gyms, as extensions of their living space, says real estate agent Kate Wollman-Mahan.

“Most New Yorkers do not have the luxury of thinking of their home as a place that can meet all of their desires, but they learn to prioritize what they really need at home,” she says.

Keep reading on Apartment Therapy.

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What Homebuyers Need To Know About Credit Scores

 
 

If you’re thinking about buying a home, you should know your credit score’s a critical piece of the puzzle when it comes to qualifying for a home loan.

Lenders review your credit to assess your ability to make payments on time, to pay back debts, and more. It’s also a factor that helps determine your mortgage rate. An article from Bankrate explains:

 “Your credit score is one of the most important factors lenders consider when you apply for a mortgage. Not just to qualify for the loan itself, but for the conditions: Typically, the higher your score, the lower the interest rates and better terms you’ll qualify for.”

This means your credit score may feel even more important to your homebuying plans right now since mortgage rates are a key factor in affordability, especially today. According to the Federal Reserve Bank of New York, the median credit score in the U.S. for those taking out a mortgage is 765. But, that doesn’t mean your credit score has to be perfect. An article from Business Insider explains generally how your FICO score range can make an impact:

“. . . you don’t need a perfect credit score to buy a house. . . . Aiming to get your credit score in the ‘Good’ range (670 to 739) would be a great start towards qualifying for a mortgage. But if you’re wanting to qualify for the lowest rates, try to get your score within the ‘Very Good’ range (740 to 799).” 

Working with a trusted lender’s the best way to get more information on how your credit score could factor into your home loan and the mortgage rate you’re able to get. As FICO says:

“While many lenders use credit scores like FICO Scores to help them make lending decisions, each lender has its own strategy, including the level of risk it finds acceptable. There is no single “cutoff score” used by all lenders and there are many additional factors that lenders may use to determine your actual interest rates.”

If you’re looking for ways to improve your score, Experian highlights some things you may want to focus on:

  • Your Payment History: Late payments can have a negative impact by dropping your score. Focus on making payments on time and paying any existing late charges quickly.

  • Your Debt Amount (relative to your credit limits): When it comes to your available credit amount, the less you’re using, the better. Focus on keeping this number as low as possible.

  • Credit Applications: If you’re looking to buy, don’t apply for other credit. When you apply for new credit, it could result in a hard inquiry on your credit that drops your score.

When you’re ready to start the homebuying process, a lender will be able to assess which range your score falls in and tell you more about the specifics for each loan type.

Bottom Line

With affordability challenges today, prioritizing ways you can have a positive impact on your credit score could help you get a better mortgage rate. If you want to learn more, connect with a trusted lender.

Read on.

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