opportunity

More time at home means more opportunity for you to design your personal kitchen, bath :: WRAL.com

Every year we consider the colors and styles homeowners are gravitating towards when personalizing their new home kitchen and baths. The 2020 season, more so than ever, has given us the most poignant glimpse into how everyday living can affect our design choices. 

The global pandemic we continue to experience has resulted in families spending more time at home, altering both their needs and wants with regards to aesthetics, technology, innovative design options and energy-saving features.  

Buyers may have also found a little extra time to spend on Pinterest or watching HGTV to get inspired on the design of their new home.

“I have buyers that come in after months of being stuck at home with social distancing/COVID restrictions and they have learned what they don’t like,” said Rachel Anne Phelps, design consultant for Drees Homes.  “Through staying home, COVID has helped buyers learn how they truly function at home and that carries over to their choices they make with me.”

So, in the spirit of how form and function merge to create a space that your family desires to spend a lot of time in, let’s take a look at what homeowners are currently asking for in their kitchen and bath design!

Lighting

As evenings may include more home-based activities like menu planning, reading, board games or puzzles, proper lighting is of the utmost importance. Undercabinet lighting and stacked cabinetry lighting remain popular in the kitchen as well as the classic look of clear glass options in the bathroom.

Other lighting must-haves include exposed bulbs, sconces everywhere, and drop-down pendants, especially in the ever-popular black and chrome.

“We are also seeing larger pendants and linear lights over the islands in the kitchen,” said Phelps. “A lot of homebuyers

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Home Bancshares: Relatively Cheap Valuation Sets Up A H-O-M-B Run Opportunity (NASDAQ:HOMB)

Investment Thesis

Headquartered in Conway, Arkansas, Home BancShares, Inc. (HOMB) is a $16.9 billion asset holding company and parent to Centennial Bank, a Southeastern commercial and retail bank. Centennial provides a wide range of commercial and retail banking services to businesses, developers, and individuals. With its more than 165 branch location, Centennial offers services across the state of Arkansas, the panhandle and south Florida, Alabama’s Gulf Coast and New York City.

While HOMB has continued to grow much faster than bank peers, some have called into question the long-term net interest margin (NIM) potential juxtaposed against the rate of future earnings growth. While credit is difficult to forecast, I do believe future net charge-offs (NCOs) are going to be limited in nature. Expense management has been a clear priority for the management team, and in my mind, it will be the swing factor for future profitability.

Today, my bullish stance is driven by two major variables. First, upon further review of the credit portfolio, I believe that HOMB is set up well to absorb all future NCOs that might hide in the lending portfolio. Second, and this one is geared more for the longer term, I believe the NIM is rather resilient at a ~4.00% level. While it is clear that I do have it working lower, HOMB’s niche lending and superior deal placement should warrant higher loan yields.

It’s always frustrating to see banks prove their strong profitability ratios, only to have shareholders compress valuation simply due to peers working lower. Banks often trade in tandem with one another and their valuations rarely get out of sync, at least from a relative comparison. In my mind, once there are some signs of sustainable economic growth, or a more productive yield curve improvement, I believe HOMB will be one of

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Golden opportunity unites Glace Bay best friends in business | Regional-Business | Business

GLACE BAY, N.S. —

Two best friends say they found a golden opportunity for employment together.

Kim Somerton and her best friend Melissa Andrews, both of Glace Bay, opened The Golden Girls Private Homecare Services on Sept. 2.

Their services are all non-medical, providing everything from personal care to transportation, preparing meals, cleaning, shopping to even decorating a Christmas tree or shoveling a driveway. 

So far, they have 20 employees, all with different skills to fit any need in the Cape Breton Regional Municipality.

“We even do hoarders jobs,” Somerton said. “We just finished one. It took us three days. We gutted a whole house out and we did a miracle job. The satisfaction we got when we finished was the most amazing feeling.”

Kim Somerton, left, and her best friend Melissa Andrews, both of Glace Bay, show a cartoon drawing they had created of themselves, symbolizing their bond as part of their new business, ‘The Golden Girls Private Homecare Services.’ The business allows for not only homecare services but beyond, from shoveling a driveway to transportation or even Christmas shopping. Sharon Montgomery-Dupe/Cape Breton Post
Kim Somerton, left, and her best friend Melissa Andrews, both of Glace Bay, show a cartoon drawing they had created of themselves, symbolizing their bond as part of their new business, ‘The Golden Girls Private Homecare Services.’ The business allows for not only homecare services but beyond, from shoveling a driveway to transportation or even Christmas shopping. Sharon Montgomery-Dupe/Cape Breton Post

 

IT ALL STARTED WITH THE VON

The idea for the business came from their 20 years combined working as VON community nurses.

The women actually met while working for the VON and often would be together assisting the same client. Although they loved working for the VON, during the course of their duties they noticed a need for services that went beyond medical and what they as community nurses could provide. Somerton said as a result they’d often go above and beyond doing things they perhaps shouldn’t have, beyond their scope. 

“Like pick up their pills,” she said. “We’re not supposed to do that, but a lot of people’s families live away nowadays. Some

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