Debt-to-income ratio shows how your debt stacks up against your income. Lenders use DTI to assess your ability to repay a loan.
Nerdy takeaways
Debt-to-income ratio represents the percentage of your monthly income that goes to debt payments.
Lenders use DTI — along with credit history and other factors — to evaluate if a borrower can repay a loan.
Lenders have different DTI requirements. Personal loan companies may allow higher DTIs than mortgage lenders.
Debt-to-income ratio divides your total monthly debt payments by your gross monthly income, giving you a percentage. Here’s what to know about DTI and how to calculate it.
How to calculate your debt-to-income ratio
To manually calculate DTI, divide your total monthly debt payments by your monthly income before taxes and deductions are taken out. Multiply that number by 100 to get your DTI expressed as a percentage.
Here’s an example: A borrower with rent of $1,200, a car payment of $400, a minimum credit card payment of $200, and a gross monthly income of $6,000 has a debt-to-income ratio of 30%. In this example, $1,800 is the sum of all debt payments. When you divide $1,800 by $6,000 and then multiply that answer by 100, you get 30.
To get the most accurate DTI ratio, make sure to include all your debt payments and income sources.
Debt payments can include:
Rent or mortgage payments.
Auto loan payments.
Student loan payments.
Minimum credit card payments.
Personal loan payments.
Other debt payments, such as the minimum payment on a home equity line of credit.
Child support, alimony, or other court-ordered payments.
Don’t include other monthly expenses, such as:
Groceries.
Gas.
Utility payments.
Phone bills.
Health insurance.
Auto insurance.
Child care payments.
Recreational spending.
Include all sources of income, such as:
Salary from full-time work.
Part-time wages.
Freelance income.
Bonuses.
Child support or alimony received.
Social security benefits.
Rental property income.
How lenders view your DTI ratio
Lenders look at debt-to-income ratios because research shows borrowers with high DTIs have more trouble making consistent payments.
Each lender sets its own DTI requirement, but not all creditors publish them. Generally, a personal loan can have a higher allowable maximum DTI than a mortgage.
You may find personal loan companies willing to lend money to consumers with debt-to-income ratios of 50% or more, and some exclude mortgage debt from the DTI calculation. That’s because one of the most common uses of personal loans is to consolidate credit card debt, which can help you pay off debt faster and lower your DTI.
Does your DTI affect your credit score?
Your debt-to-income ratio does not affect your credit scores; credit-reporting agencies may know your income, but they don’t include it in their calculations.
Credit utilization, or the amount of credit you’re using compared with your credit limits, does affect your credit scores. Credit reporting agencies know your available credit limits, both on individual loan accounts and in total. Most experts advise keeping the balances on your cards no higher than 30% of your credit limit, and lower is better.
How to understand DTI ratio
DTI can help you determine how to handle your debt and whether you have too much debt.
Here’s a general breakdown:
DTI is less than 36%: Your debt is likely manageable, relative to your income. You shouldn’t have trouble accessing new lines of credit.
DTI is 36% to 42%: This level of debt could cause lenders concern, and you may have trouble borrowing money. Consider paying down what you owe. You can probably take a do-it-yourself approach; two common methods are debt avalanche and debt snowball.
DTI is 43% to 50%: Paying off this level of debt may be difficult, and some creditors may decline applications for more credit. If you have primarily credit card debt, consider a credit card consolidation loan. You may also want to look into a debt management plan from a nonprofit credit counseling agency. Such agencies typically offer free consultations and will help you understand all of your debt relief options.
DTI is over 50%: Paying down this level of debt will be difficult, and your borrowing options will be limited. Weigh different debt relief options, including bankruptcy, which may be the fastest and least damaging option.
Ways to lower your DTI ratio
Reduce your debt-to-income ratio to improve your chances of qualifying for future credit.
Increase your income. Make more money by selling items online or starting a side gig, even for a short period, like babysitting or dog walking.
Reduce your debt. Paying down your credit card balance can reduce your minimum monthly payments. Your DTI will also go down if you pay off installment loans, like student loans or a car loan.
Refinance or consolidate debt. Refinancing or consolidating debt at a lower interest rate could lower your monthly payments and therefore reduce your DTI. Negotiating a longer repayment term could also lower your monthly debt payments, though you may wind up paying more interest over time.
Avoid taking on additional debt. Try not to add to your credit card balance or take out additional loans if you want to lower your DTI.
We’ve all been there: Looking forward to Saturday all week long, only for it to arrive accompanied by torrents of rain. While a rainstorm can foil certain plans, it certainly doesn’t need to ruin your hopes of having a fun-filled weekend. There are plenty of ways for kids and families to enjoy each other’s company on a rainy day—both safe from the raindrops and amidst them.
Here, you’ll find 50 rainy day activities that will keep your kids entertained and happy.
Wavebreakmedia / Getty Images
Indoor Activities for Families
When the rain is coming down in sheets, settle in and try one of these activities.
Have storytime. You can’t go wrong with a good old-fashioned storytime. If your kids are old enough, they can take turns reading.
Sort through old toys. Your playroom will be much more organized at the end, plus you may discover some old toys that you can put in storage or donate.
Go to the library. When you want to get everyone out of the house for free, the local library can’t be beaten. “We have books, audiobooks, DVDs, and fun kits and backpacks to check out,” says Marty Mason, a youth services librarian at Chelmsford Public Library in Chelmsford, MA. “Plus a full programming schedule for kids.”
Bake cookies. Tie on your aprons and let little ones help with mixing, rolling out dough, and decorating.
Make pizza. While cookies are nice and easy for younger children, more advanced baking or cooking projects can be fun for elementary or middle school-aged kids, suggests Mason. Pizza is a fun one, as it’s easy to roll out the dough, spread on the sauce, and layer on the toppings.
Play a board game. The classics are great, but there are also tons of newer board games great for kids. Some of our favorites include Blank Slate, UNO Attack!, and Clue Junior.
Try mindfulness exercises. “Have kids reflect on how their week is going,” suggests Christopher Lacroix, MEd, a history teacher at Whittier Regional Vocational Technical High School in Haverhill, MA. “This can be very beneficial for kids to help promote time management skills and set a daily schedule.”
Create a treasure hunt. If your kids are too small to figure out scavenger hunt-style clues, simply give them a list of household items that they have to track down and collect.
Visit a museum. Children’s museums with interactive and engaging activities are a great way to pass the time on a rainy day. Before you buy tickets, check to see if you can get a discount through your local library.
See a movie—at home. Pop some popcorn, pull out the blankets and settle in to watch a new movie or an old favorite.
Play Globle. “This is an online geography-based guessing game that allows kids to practice and
grow their geographic knowledge on a global scale,” says Lacroix. “The object is to figure out which country is the mystery country by guessing the names of other countries that are close to it. You can play it once a day or use the practice mode function to play as many times as you want. My grade nine students absolutely love it.”
Have a living room dance party. “This is a great way to get the wiggles out,” says Mason. Everyone in your family can take turns putting on their favorite songs.
Have an indoor picnic. You don’t have to be outside to eat on the ground. Pack a picnic basket with your children, spread out a blanket in the living room, and enjoy the meal you prepared.
Solve some riddles. “Riddles are a great way to pass the time and get kids to think outside of the box,” says Lacroix. His favorite ones force kids to call on their math skills.
Play school. As a fun twist, let your kid be the teacher and you be the student.
Jose Luiz Pelaez Inc / Getty Images
Indoor Activities for Siblings
If all of your kids are stuck inside, these activities will make for great bonding and even more fun.
Choreograph a dance. They can also learn the choreography of a popular dance online, then record it with a phone or perform it for the family.
Build a fort. “Building a blanket fort is great imaginative play,” says Mason. Couch cushions, pillows, and chairs are also encouraged.
Put on a play. Acting out a favorite picture book will make for engaging theater. Or, depending on how old your oldest is, they can come up with a story of their own, suggests Mason. Costumes are a must for the final performance.
Transform cardboard boxes. We all have that giant stack of recycling in our garages—challenge your kids to use the cardboard (and/or other materials like plastic bottles and egg cartons) to build new things to play with.
Play with playdough. Playdough can provide endless fun for kids from preschool age all the way to middle school, Mason says. Plus, it’s a cinch to clean up.
Make puppets and put on a show. Stuffed animals, socks, and cut-out shapes on popsicle sticks can all become puppets, while the back of a couch or a table covered with a cloth makes for a fine stage.
Build a masking tape city. Use masking tape to create roads and buildings on the floor (this works particularly well in carpeted rooms, as the tape will come off very easily), then grab some toy cars and go to town.
Write a poem or a song. Older siblings can help smaller ones think of words that rhyme with one another.
Stephen Welstead / Getty Images
Solo Indoor Activities for Kids
For times when the adults have other things to do and there’s only one child at home, these activities will keep your child engaged.
Write postcards or letters. For children who can write, give them the tools to write letters or postcards to their friends, siblings, or relatives.
Make greeting cards. Part arts-and-crafts and part writing exercise, kids can cut out words and pictures from magazines to paste on the front of their cards before writing inside. Or they can break out the crayons to make a hand-drawn card.
Line up dominos. The more dominos you have, the longer your child can spend creating designs with them and then watching them fall.
Read a book. The perfect indoor activity. Audiobooks are also great for downtime, notes Mason, if kids prefer to listen.
Put together a puzzle. Breaking out a brand-new puzzle on a rainy day can keep kids of all ages occupied for hours, says Mason.
Draw. Kids can have fun with crayons and colored pencils no matter their age. Depending on their skill level, you can print out coloring pages or pictures that they can trace or replicate—or you can just spread out the paper and see what they create.
Play video games. With adult permission and limits, educational video games and apps are an engaging way to pass the time, says Mason.
Expand a picture. A fun twist on drawing, you can have your child cut out a picture from a magazine, print out an image, or use a photo you have lying around. They will paste that photo in the center of a large sheet of paper or piece of poster board and then expand the picture around it, getting creative with the setting and anyone else in the image.
Build with Legos. Following a kit is fun, but challenging your child to build something new using all the pieces they have will help spark their creativity.
Practice an instrument. From the xylophone to the drums to the recorder to the trumpet, no child is too small to make some music, Mason says.
Cavan Images / Getty Images
Outdoor Activities for Families
A little rain never hurt anybody. As long as there isn’t any thunder or lightning in your area and you’re avoiding swimming pools and running water like creeks, which can rise quickly in the rain, throw on a raincoat and boots and try some of these fun outdoor activities.
Go for a walk. There’s just something about splashing through puddles that hits differently from a walk on a sunny day, says Mason.
Build a shelter. Head into the yard with a tarp and some rope and see if you can build a dry shelter.
Try to make a fire. This will take a while and requires the proper skills and tools, but finally seeing those flames lick upward will be incredibly satisfying.
Play with a water table. Water itself can be endlessly entertaining, especially for young children. Set up a table outside with cups, bowls, bottles, and funnels—then let them enjoy themselves.
Race “boats.” If your driveway or street slopes down, have your kids grab leaves, sticks, flowers, or pinecones and race them down the running water. This option is best for families who don’t live on busy roads, but no matter what, be sure to keep an eye out for cars.
Measure the rainfall. Set out containers of different sizes and see how long it takes for the rain to fill up each.
Have a water fight. Water balloons are fun, squirt guns are too. Everyone is wet already, after all.
Build dams in puddles. Use rocks, sticks, or your hands to flood holes and impressions in the yard or driveway, then try floating things in them.
Set up a slip and slide. If you don’t have an official slip and slide, a tarp works great—and you won’t even need the hose! Try adding some dish soap, baby soap or body wash to make things extra slippery.
Draw with chalk. Chalk will still draw great in the rain, but the colors will appear slightly different.
Play with sand or mud. They become natural molding materials when wet.
Shower in the rain. Little ones will get a kick out of this one! Bring shampoo and soap outside and lather up in the rain.
Create a water band. This one works especially well if it’s raining hard. Bring out buckets, cups, covers, and other containers made of plastic or tin and see what sounds they make as the water hits them—or grab some shovels and spoons and make music of your own.
Hunt for rain-loving critters. Frogs, toads, worms, snails, and slugs all come out in the rain. See how many you can find—without hurting them, of course.
Dance with umbrellas. There’s something about twirling with an umbrella that makes the activity that much more fun.
Cloud peep. Check out the clouds around your house and your neighborhood and see if you can tell the difference between those that are dumping rain and those that will bring dry skies.
Go rainbow hunting. As the storm is letting up, pull on your boots and head out around the neighborhood to see if you can spot a rainbow.
By Alyssa Sybertz
Alyssa has been writing about health and wellness since 2013. Her work has appeared in print in publications like FIRST for Women, Woman’s World, and Closer Weekly and online at places like TheHealthy.com, Allrecipes.com, and OnePeloton.com. She is the author of The OMAD Diet and has served as editor-in-chief for two magazines about intermittent fasting.
Valentine’s Day is a great day to show your appreciation for the one you love. Often, it’s through greeting cards, romantic dates, flowers, and gifts. But for some couples, the key to a loved one’s heart just might be in a few framed wedding photos around your home or a new fireplace for a cozy night. And better yet, your Valentine home improvement projects can be enjoyed for years rather than just a few moments or days. Start now on these home improvement projects to show you care for Valentine’s Day.
Add a couple rocking chairs to your porch: Whether you have space on your front porch or out back, make your outdoor areas more couple friendly with a pair of chairs you can enjoy together.
Update your lighting: Swap out harsh lighting for something softer and more flattering. Install dimmer switches to set the mood, update outdated fixtures with a new, more romantic design, and put in new bulbs with softer light.
Install a wine fridge: Love to share wine together? Enjoy an even better experience with a new wine fridge for your kitchen.
Hang an outdoor swing: Get ready for the spring and summer seasons with a cozy outdoor swing or hammock that you can enjoy together.
Frame your bathroom mirror: Update the look of your bathroom quickly — and remind your loved one of your hard work and caring in completing this projct every morning when they look in the mirror. Reveal your finished project with a love note on the mirror.
Organize kitchen cabinets: It hardly sounds romantic, but ask any harried home chef with messy cabinets, and they’ll tell you this gesture would win their hearts over. Invest in organizational tools such as divided storage, hangers, and even drawers for cabinets, and wow your loved one with kitchen storage they’ll enjoy using.
Build a piece of furniture: Nothing says love more than spending the time to create a quality handcrafted piece of furniture made with the recipient in mind. Build a bookshelf for a book lover, a jewelry hanger, or even a practical storage solution for your entryway.
Hang photos on your walls: Chances are, you have plenty of photos of you and your significant other together. But do you have them framed and hung in a place of honor? Show your loved one that you care and cherish your relationship by taking the time to print, frame, and hang photos of them or the both of you together on your walls at home. Need ideas? Look for photos from your wedding day, honeymoon, favorite vacation, or early days in your relationship to make them (and you) feel nostalgic.
Upgrade bath fixtures: Turn your master bathroom into a more romantic haven with updated fixtures. Add a new fixture for faucets and put in new fixtures in your shower and tub for a new, more inviting look. Then plan a big reveal with a bubble bath.
Plant a flower garden: Cut flowers are a nice gesture, but in the right climate, a garden of flowers that will last for weeks or months is a more enduring reminder of your love. Or, plant rose bushes for something more permanent. Plus, you can select flowers from your garden or rose bush for a home made bouquet.
Buy new bedding: Refresh your bedroom and make your bed more enticing with fresh, new sheets. Take it a step further with a new bedspread or even a new headboard.
Put in a fireplace: Nothing says cozy and romantic like a fireplace at home. But even if your home doesn’t already have one, it is possible to get one installed. Freestanding units can be purchased and enjoyed within moments, and local installers can add one to your home as well. Rather take it outside? An outdoor fire pit is romantic, too.
Carve out a ladies’ retreat or man cave: Have a space in your home that you’re not really using? Clear out the junk and make it a place for your loved one to enjoy instead. Add furniture and touches that you know they’ll enjoy, such as wall paint in their favorite color, or the perfect storage solution for their favorite collection.
Just fix it: Practically every couple has a project or two on their honey do list that gets overlooked. Think about the project that your loved one has been wanting to see done and make it happen.
You can throw a legendary Super Bowl party—even when you’re only watching for the commercials. Here’s what to do!
Every editorial product is independently selected, though we may be compensated or receive an affiliate commission if you buy something through our links. Ratings and prices are accurate and items are in stock as of time of publication.
It seems that the best parties in the winter all revolve around football. Even if you don’t love sports, fear not. Throwing a Super Bowl party can be just as fun for the host as it is for sports fans. Stock up on tailgate snacks and slammin’ Super Bowl cocktails and let’s get going!
BRIANNA GRIEPENTROG/TASTE OF HOME
Bring on the Drinks
Football wouldn’t be a great American sport without a great American beverage. Before the party, snag a local beer from the cities of the teams competing or pick up one of our favorite cheap beer brands for your shindig. If they’re not into beer, pick a signature cocktail for each team based on their city, mascot or team colors. Mix up a pitcher of each drink ahead of time with a little splash of food coloring to match each team’s jerseys.
TASTE OF HOME
Do a Dip
Cheesy dips are a staple of any legendary tailgate, and a Super Bowl party is no different. Look for a few creative recipes and choose one that is cheesy, one that is meaty, one that is spicy and one that is vegan to appease all the different taste preferences of your group. Look to these dip recipes for inspiration.
To be the envy of all your friends (and the star of their Instagram stories) build yourself a snack stadium. Fill a few cardboard boxes or aluminum pans with all your favorite snacks (including some of these healthy Super Bowl recipes, for a well-balanced selection). Make a field out of a frosted cake and place it in the center. Learn how to build a snack stadium with our step-by-step guide.
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Set the Scene
Make your guests feel like they’re watching the game from the sidelines with plenty of creative decorations. From AstroTurf coasters to football drink stirrers to a festive concession stand sign, decorating for your party can be just as fun as the party itself. Decorate one half of the living room with one team’s colors, and the other half of the living room with the other team’s colors. Your guests can choose where they want to sit and cheer on their favorite team.
TASTE OF HOME
Wing It
The staple of any great sports viewing party is a tray of sticky, sweet and tangy chicken wings. Prepare a range of flavors from extra spicy to sweet and mild and have a few dipping sauces (like ranch or blue cheese dressing) on the side. Wings are the perfect finger food, but be sure to have plenty of cocktail napkins ready for these fall off the bone, finger-licking goods!
VIA AMAZON.COM
Show Your Spirit
Throw a competition to see who has the most (and most creative) team spirit in the group. Have a face painting kit at the ready with some colorful streamers and spray on hair dye. Challenge your friends to create the craziest costumes and have a makeshift catwalk for them to show off their team spirit.
TASTE OF HOME
Pick a Winning Dessert
What better way to wash down all those wings and beers than with sweet and decadent Super Bowl desserts! Help ease the pain for the losing team with a crowd-pleasing classic like caramel brownies or ice cream and cookie pie. Even if their team lost the game, we bet your guests will leave with a full belly and happy heart.
Laura is a New York-based freelance food writer with a degree in Culinary Arts from the Institute of Culinary Education and a degree in Journalism from Penn State. Her work has appeared in Taste of Home, Chowhound, the Culture Trip and Patch.
Dustin Hadley @that40yearguy is floored that this common household item (not baking soda) can erase fridge stink! You need to try this!! Check out the comments at what others are sharing! 🤯 WATCH HERE
ORANGE COUNTY, CA — Valentine’s Day this year falls smack in the middle of the week — Wednesday, Feb. 14.
Whether your celebrations are swanky or low-key, reservations are imperative.
So check out our annual, V-Day dining guide for some of the sweetest offers — for all tastes and budgets —at restaurants, bakeries and pizzerias throughout Orange County.
Find what appeals, scroll through the photo show above for visual inspiration, then get to booking.
And XOXO, from Patch!
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ACAPULCO: Celebrate V-Day Feb. 14-17 with three-course, “Sweetheart Menu for Two” ($55). Begin with tortilla soup or Caesar salad, then choose entrée of chicken, shrimp or steak fajitas, a fajitas duo, crab & shrimp enchiladas, or Muy Grande Platter (chicken, carnitas, enchilada, vegetables, refried beans & rice). Shareable desserts selections: Mrs. Field’s Sizzling Cookie; Oreo cookie ice cream torta; flan; or caramelo cheesecake. Info/bookings. Find restaurant here in Costa Mesa.
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BAYSIDE RESTAURANT: Wow your sweetheart Valentine’s Day at this harbor-front spot with three-course dinner. Selections for lobster bisque, beef tartare, filet mignon, mushroom-crusted seabass & flourless chocolate tarte or crowd-favorite, lemon meringue tart. Live music, too. Plus seating options for inside dining room or covered & heated open-air terrace. $125 per person. Reservations. At 900 Bayside Drive, Newport Beach.
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BISTANGO: Cue the romance on V-Day with this eatery’s art gallery walls & live music, plus a chef-curated, three-course dinner with surf-n-turf focus. Served Feb. 14 from 4:30 p.m. to 10 p.m. $125/person. Seatings either under palms on open-air, heated patio, or in dining room’s private booth. Reservations. At 19100 Von Karman Ave., Irvine.
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BLACK ANGUS STEAKHOUSE: Choices here! Valentine’s Day options include “Campfire Feast Dinner for Two”($68), with starter, two entrees including prime rib & salmon, two sidekicks, broccoli & mashed potatoes, plus dessert. For couples wanting a little more “Surf ‘n’ Turf Dinner for Two” ($115), with two filet mignons, two lobster tails, starter, four sides, molasses bread, dessert & two prosecco splits. Bookings. Find locales in Buena Park, Fountain Valley, Santa Ana.
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CAFE SEVILLA: Spanish-inspired menu, Latin music & flamenco entertainment are planned Valentine’s Day. Choose from four-course, prix-fixe special, with warm goat cheese dip & Spanish charcuterie to start, followed by lobster cake & citrus salad, pan-seared duck with Spanish beer glaze or lobster paella, and orange tart dessert with raspberry meringue. ($150/couple with live music 6 p.m. to 9 p.m.) Evening options include dazzling, flamenco show & dinner with three-course, lobster paella feast. ($119/person.) Plus, all Feb. 14 diners receive complimentary entry to Sevilla Ultra Lounge with live DJ & dancing. Details/reservations. At 1870 Harbor Blvd., Costa Mesa.
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CALIFORNIA PIZZA KITCHEN: Specials, including heart-shaped pizzas with crispy, thin crust, are back Feb. 9 to Feb. 14, for Valentine’s week. “Sweet Deal for Two” offers one appetizer, two entrees & one dessert for $50 (classic) or $60 for “Adventure Package.” Sweet Deal diners also score BOGO-offer bounceback card, redeemable Feb. 15 to Feb. 22. Details. Find locations here.
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EDDIE V’S PRIME SEAFOOD: Dine in style Valentine’s Day with such menu options as oysters, crab cakes, lobster, steaks, scallops, sea bass & more. And don’t miss new V-Day cocktail: “With Love, Eddie,” a bourbon indulgence. Reservations. Location in Newport Beach.
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EL TORITO: Treat your sweetheart Feb. 14-17 to three-course, Valentine special for two ($55), featuring options for tortilla soup, Caesar salad, entrées of fajitas, salmon or Macho Combo (pasilla chile relleno, chicken & sour cream enchilada, beef barbacoa taco & chicken tamale). Finish with shareable dessert of mudd pie, deep fried ice cream or cinnamon-crisp cheesecake. Website. See locales.
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FARMER BOYS: Award-winning burger chain plays Cupid this Valentine’s Day with debut of “Burger Bouquet.” As alternative to roses & chocolates, this “bouquet” ($30) is five Big Cheese burgers in special box with V-Day card. Sold via drive-thru, dine-in or phone-ahead, while supplies last. Website. Find restaurants in Orange County.
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FLEMING’S PRIME STEAKHOUSE & WINE BAR: Three-course, V-Day menu for two — starring Prime Surf & Turf — will be served Feb. 8-19. Included: oysters Rockefeller & shrimp cocktail starters; bone-in NY strip; filet mignon; two crab-stuffed lobster tails; & dark chocolate torte dessert. ($230 for two.) Specialty cocktail: the Berry Basil Bliss, with gin, sherry, lemon juice & strawberry ($17). Per-guest menu options for filet mignon with crab-stuffed shrimp or Chilean sea bass available. Eateries open early at 3 p.m. Wednesday, Feb. 14. Details. Locations here in Anaheim, Newport Beach.
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GELSON’S MARKETS: Create romantic V-Day celebration at home with to-go dinners for two. Options: steak & lobster; salmon & lobster tail; or cordon bleu with lobster tail. Sides include pomegranate apple salad & roasted garlic asparagus. Floral arrangements & chocolate-dipped strawberries also available for a finishing touch. Place orders online for pick-up Feb. 13-14. See info here. Find stores near you.
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KHAN SAAB DESI CRAFT KITCHEN: This twice Michelin-recognized, 100% Halal restaurant is prepping a five-course, Valentine’s Day prix-fixe feast, for Feb. 14 from 4 p.m. to 11 p.m. $80 per person. Among highlights: sweet & sour potato chaat; Bazaar Salad of tomatoes, charred watermelon & cucumber; roast mashed eggplant bharta; such entrees as Manchigo corn kofta; lemon chili shrimp; chopal kabob & malai chicken tikka masala; plus banana crème brulee dessert. V-Day mocktail special is Chocolate Martini with Ghirardelli chocolate, caramel, cream & Seedlip Spice 94. Reservations. At 229 East Commonwealth Ave., Fullerton.
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KING’S FISH HOUSE: Celebrate Valentine’s Day at the “House that Seafood Built” with three-course menu starring steak & seafood specials. Among menu selections: eight-ounce filet mignon; South African lobster tail; plus appetizer, choice of sides & dessert. $80 per person. Regular menu, including Chilean sea bass, wild California spiny lobster & more, also available. Reservations. Locations here in Huntington Beach, Laguna Hills & Orange.
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KRISPY KREME: Sweeten V-Day with heart-shaped doughnuts in “Dough-Notes” box with your heart-felt sentiments. This year’s four, new flavors: You Color My World (cake batter filling, red icing & rainbow heart sprinkles); I Love You A Choco-Lot (chocolate filling & icing with rose piping); You’re Berry Sweet (white Kreme filling, strawberry icing & sprinkles); & Without You I’d Crumble (cookie dough filling, chocolate icing & cookie crumble). The Dough-Notes dozens box includes space for handwritten notes from giver to receiver. Available through Feb. 14. Details. Shop finder.
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LAS BRISAS: Enjoy romantic, waterfront setting, plus special five-course, prix-fixe dinner from 3 p.m. Wednesday, Feb. 14 through Sunday, Feb. 18. $140/person. Menu highlights include lamb chops, filet of beef & butternut squash tamale. Or select $325 per couple option, with tomahawk steak or lobster. Champagne upgrades available for all window tables, starting at $350 per person, on Valentine’s Day. Details/bookings. At 361 Cliff Drive, Laguna Beach.
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LUCIANA’S RISTORANTE: Indulge in romantic ambiance & Italian cuisine with four-course, prix-fixe, Valentine’s Day dinner in historic Lantern District. ($85/person.) Begin with crostini flight. Then select from options as: Insalata di Barbabietole (red & yellow beets, baby greens, balsamic reduction, whipped honey goat cheese); Zuppa di Aragosta with crème fraiche & lobster; filet mignon with porcini sauce, broccolini & Luciana’s famous butter beans; osso buco; braised chicken; salmon; Ravioli di Aragosta (homemade lobster ravioli); squid ink pasta with shrimp, scallops & crab; plus exotic desserts. Menu. Reservations. At 24312 Del Prado Ave., Dana Point.
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MARUFUKU RAMEN: This eatery is V-Day, date-night ready with menu featuring such dishes as: appetizers of pork cha-shu in Japanese steamed buns; pan-fried pot stickers; fried shishito peppers; authentic Hakata-style Tonkatsu ramen with ultra thin noodle, broth & pork & more. Night cap options include sake, imported beer & craft cocktails. Website. Location here at 8543 Irvine Center Drive, Irvine.
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MIX RESTAURANT AT HILTON ANAHEIM: Win your Valentine’s heart with deluxe, Feb. 14 dinner for two, served 5 p.m. to 10 p.m. & crafted by Executive Chef Juan Lopez & team. Menu highlights: lobster seafood bisque; beet salad; pan-seared “Naked Scallops” with saffron cauliflower puree; seafood ravioli; salmon; chicken; herb-crusted steak; plus “Amore” dessert of strawberry & chocolate. Reservations via OpenTable. At 777 W. Convention Way, Anaheim.
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MORTON’S THE STEAKHOUSE: Treat your Valentine to romantic dinner for two, served Feb. 9-17. Included are starters & sides, with entree choices of bone-in New York strip and twin, lobster tails. $169 for two. Dine-in only. Details/reservations. Find locations in Anaheim & Santa Ana.
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MOUNTAIN MIKE’S PIZZA: For entire month of February, heart-shaped pizzas are available for dine-in, takeout & delivery — with toppings of choice, like the chain’s signature crispy, curly pepperoni. To sweeten the deal, bite-sized Mini Churrs are $2.99 with purchase of any heart-shaped pizza. Details. Find stores.
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OJI SUSHI & SAKE BAR: Treat your sushi-loving sweetheart to luxury, all-you-can-eat Valentine’s Day dinner Feb. 14, from 4 p.m. to 11 p.m. Adults/$38.99; kids, 8-13/$19.99; kids, 4-7/$14.99; & 3 and under free. For reservations, call 949-515-7400. At 1870 Harbor Blvd., Costa Mesa.
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PIEOLOGY PIZZERIA: V-Day special, Red Velvet Cookies, are back for limited time beginning Feb. 13. Freshly baked with white chocolate chips, Hershey’s milk chocolate, semisweet chocolate chunks & milk chocolate chunks, they are available for purchase & also as free “perk” option for “Pies and Perks” members. Find locations statewide.
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POLLY’S PIES: Add a delicious twist to Valentine’s Day with heart-shaped, hand pies — in boysenberry, apple & cherry — from family-owned legacy business, founded in 1968 in Fullerton. $7.99 each. Pre-order for pick-up, or schedule a delivery/shipment of four for $35.99. Details. With 13 SoCal locations in Los Angeles, Orange & Riverside counties.
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POSTINO WINE CAFE: Make V-Day a date night to remember with “Takeout & Makeout” & “Snacks in The City” to-go packs available through Feb. 18. Or book reservation for parties up to eight from Feb. 10-18. “Takeout & Makeout” ($55) includes one “snacky thing,” bruschetta, board & salad and feeds two. “Snacks in The City” feeds four to six ($80) with three “snacky things,” one bruschetta, board & salad. Reservations/order info. At 2981 Michelson Drive, Irvine.
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ROUND TABLE PIZZA: Heart-shaped pizzas are on the menu for Valentine’s Day, plus get $5 off a large, heart-shaped pizza OR regular XL pizza with code HEART5 at checkout. Find locales statewide.
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RUTH’S CHRIS STEAK HOUSE: Treat your Valentine to “Porterhouse Dinner for Two” or “T-Bone with Horseradish Crust.” Porterhouse is paired with lobster tails & offered only Wednesday, Feb. 14. T-bone special is served Feb.9-18. Details. See sites in Anaheim, Irvine.
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SEASONS 52: Celebrate V-Day with elegant, on-site dining of seasonal favorites & rotating wine flights, or plan romantic, at-home dinner for two with takeout option. To-go meal offers filet mignon, Yukon gold mashed potatoes, broccolini, salad, two Mini Indulgence desserts & bottle of wine for $115. Pre-order takeout 24 hours in advance for Feb. 10-18 pickup. Reservations/ordering details. Location in Costa Mesa.
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SKÅL PIZZA: “Pizza My Heart: Valentine’s Day Specials” planned Feb. 9 through Feb. 14 (closed Feb. 13) at the health-conscious, stylishly casual eatery, AKA Malibu Farm’s cool “little sister” restaurant along Lido Marina Village boardwalk. Enjoy chef/restaurateur Helene Henderson’s offerings, including two heart-shaped pizzas: Everything Crust & Lox Pizza: white sauce, smoked salmon, tomatoes, cucumber, dill, caper berries & pickled onions; and Tomato & Spanish Chorizo: tomato sauce, mozzarella, cherry tomatoes, chorizo & oregano. Half-off bottles of wine, too. Website. At 3400 Via Oporto, Newport Beach.
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SNOOZE A.M. EATERY: Celebrate your Valentine with limited-time, sweet treat — Double Chocolate Brownie Pancakes. Offered Feb. 8 through V-Day, Feb. 14, this decadent dish features brownie buttermilk pancake topped with chocolate ganache, strawberries, blueberries & powdered sugar. Find locations in Huntington Beach, Laguna Niguel, Orange, Tustin.
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SUSIECAKES: Keep it sweet & bring home cookies, cupcakes, mini-cupcakes & cakes decorated with Valentine’s Day themes. A super cute, bakery highlight is 4-inch, “Sweetheart Cake,” perfect for two with vanilla buttercream & red and pink hearts. ($42.99.) Order info. Find shops statewide in Costa Mesa, Laguna Niguel, Newport Beach.
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TAVERN + BOWL: For a fun, V-Day with friends & family, book a lane & enjoy dinner & bowling. Menu offerings range from steak & burgers to pizza & vegetarian options. Open Feb. 14, on Valentine’s Day, from 4 p.m. to 11 p.m. For more information, call 949-438-2320. OC reservations. At 1875 Newport Blvd., Costa Mesa.
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TENDER GREENS: Sweet, V-Day freebie! Diners at the chef-drive, healthy living, sustainable-focused eateries score free dessert of choice with any entree purchase on Valentine’s Day, Feb. 14. Website. Locations at UC Irvine & Irvine Spectrum.
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THE CAPITAL GRILLE: Valentine’s Day dining promises a chef-prepared, dining experience, featuring variety of wine & champagne selections, dry-aged steaks & complimentary, chocolate-covered strawberries, prepared by in-house pastry chef. Bookings. Location here in Costa Mesa.
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URBAN PLATES: Three-course, Valentine’s special ($55) will be served Feb. 9-19 for dine-in or takeout. Selections include: tomato basil soup, house or Caesar salad; char-grilled steak; chimichurri steak; salmon; two sides; rustic bread; & dessert of cookies, cakes or mango tarts. In-house diners get half-off bottles of wine, too. Find locales statewide in Aliso Viejo, Brea, Fountain Valley, Irvine, Tustin.
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WATER GRILL: Book a Valentine’s date night with chef-curated, four-course menu, along with interactive photo booth & commemorative hand-poured candle ($135/person). Dinner highlights: oyster sampler or jumbo lump crab cake; clam chowder & roasted beet salad; plus such surf n’ turf entrées as filet mignon or lobster. Dessert array offered, too, including New York cheesecake & caramel bread pudding. Optional wine pairing: $50. Reservations. At 3300 Bristol St., Costa Mesa.
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WATERTABLE AT HYATT REGENCY HUNTINGTON BEACH: Cue the romance with three-course, Valentine’s Day dinner, featuring such options as hamachi crudo, pan-seared scallops, lamb chops, tiger prawns, elk loin, NY steak, tofu, fennel & squash, plus dessert selections of orange almond cake, Six Degrees of Chocolate Cake, berry torte & more. Reservations. At Hyatt Regency Huntington Beach Resort & Spa, 21500 Pacific Coast Hwy., Huntington Beach.
It’s never too early to start planning for Valentine’s Day or just having a handy list of ideas for a romantic date with your sweetheart! We’ve gathered ideas with the help of an old OC Register post. We hope you’ll enjoy this list! Though we’ve taken steps to ensure these places are still operating, definitely do your due diligence before heading out! 🙂
1. Find a lookout point: There are plenty of romantic views around the region, from cliffs that overlook the glistening Pacific Ocean to quiet places where you can park your car and gaze over shining city lights.
Trails that sit above the ocean, such as Point Vicente in Palos Verdes, Corona del Mar’s Inspiration Point, Crystal Cove State Beach’s cliffside trails or the Dana Point Headlands, offer ocean vistas for light daytime strolls. Hilltop Park in Signal Hill is known for its epic city views above the twinkling lights. Further inland, check out the Mt. Rubidoux Trail just west of downtown Riverside, which showcases mountain ranges and the city below, but note that parking and the trial close at dusk.
Several boat charters will offer sunset rides in the Dana Point Harbor this weekend for Valentine’s Day weekend. (File photo by Ed Crisostomo, Orange County Register)
2. Take a mini cruise: Southern California has several harbors and a vast coastline for special trips out on the water.
In Long Beach, check out Harbor Breeze Cruises’ historical tour of the Los Angeles Harbor, a 45-minute narrated cruise that includes the Long Beach skyline, the Queen Mary and wildlife hanging out in the harbor like sea lions or, if you’re lucky, gray whales.
In Newport Beach, you can charter your own Duffy boat for a more intimate cruise, packing wine and cheese or grabbing a meal from a dockside restaurant at Lido Marina Village.
In Dana Point, stop by the harbor’s “Love Wall” mural for a photo op with your own love before heading out on a cocktail cruise on Saturday or Sunday with Aventura Sailing. Captain Dave’s Dolphin & Whale Watching Safari will host sunset safaris for sweethearts and also offers romantic private charters, or join Dana Wharf Sportfishing & Whale Watching all weekend for cruises at sunset with a complimentary drink and treats.
Picturesque views of Avalon. (Photo by David Dickstein)
3. Catalina Express now boarding: If you want a longer excursion, Catalina Express has charters from San Pedro, Long Beach, and Dana Point. Cruise around the island on a golf cart to take in the sights, or take some hiking shoes to traverse the scenic trails.
A gondola cruises through the Naples Island canals on an excursion booked through Gondola Getaway, which offer couples romantic gondolier boat rides through the canals in Naples. Other gondolas offer rides in Redondo, Newport and Huntington Harbour, but space is limited on Valentine’s Day weekend. (File photo by Bill Alkofer, Contributing Photographer)
4. Romantic gondola ride: Taking a romantic trip to Italy might not be in the cards this year, but you can enjoy a gondola ride around Naples in Long Beach, Huntington Harbor, or Newport Beach in Orange County. Most companies offer Valentine’s Day specials, though some are already sold out, so you may need to be flexible and book an excursion on a different day.
The UCR Botanical Gardens can be a great, scenic way to enjoy an afternoon with a loved one. (File photo by Stan Lim, The Press-Enterprise/SCNG)
5. Visit a lush garden: Botanical gardens can be beautiful places to explore, filled with flora and fauna of the region. Check out UC Riverside’s impressive garden located in the foothills of the Box Springs Mountains. The 40 acres on the east side of the campus feature four miles of trails, or just soak in the beauty of its 3,500 plant species from one of the benches.
Smaller botanical gardens can be found throughout the region, such as the Niguel Botanical Garden in Laguna Niguel. In the South Bay, check out the Manhattan Beach Botanical Garden in Polliwog Park or South Coast Botanical Garden in Palos Verdes.
6. Movie under the stars: Southern California is home to a handful of still operating drive-ins, including in the City of Industry, Montclair, Paramount and Riverside, that are easily found with an internet search and there are pop-ups that bring outdoor screens to even more communities. Or watch a romantic movie from the comfort of your own car at The Roadium in Torrance!
A bundled up couple takes a walk on the trail by the Point Vicente Lighthouse in Rancho Palos Verdes. Walking trails near the ocean can be a great place for a romantic stroll. (Photo by Chuck Bennett, Contributing Photographer)
7. Soak in the beach scenes: There’s nothing more simple or romantic than a leisurely stroll on one of the region’s idyllic piers. Grab a meal from a local restaurant and head to the Malibu, Huntington Beach or San Clemente piers and find a spot to sit while watching surfers ride waves. The region’s other piers – from Hermosa Beach to Newport Beach and beyond – have eateries with a view or that can pack up food to go for a picnic in the sand.
Another beach-themed idea? Snuggle up with your loved one at a fire ring with the flames keeping you warm. Grab some S’mores fixings, a few hot dogs and watch the sun go down at any Huntington Beach stretch, Bolsa Chica or Aliso Beach in South Laguna, which have rows of fire rings available. Another popular place is Corona del Mar, but make sure you bring charcoal to burn, wood is not allowed.
Tides will be low at around sunset this weekend, making for great exploration at areas like Royal Palms Beach in San Pedro. (Photo by Brittany Murray, Press-Telegram/SCNG)
8. Explore tidepools: Plan a great sunset stroll to explore sea creatures at local tidepools in Palos Verdes, San Pedro, Newport Beach, Corona Del Mar, Laguna Beach and Dana Point. You can look up the tide report at U.S. Harbors.
9. Shop an open-air market: Been limiting your time shopping inside? There are a few open air markets where you can stroll with your loved one to pick up something special, while at the same time supporting small businesses. Check out our Farmer’s Market post or our Shopping Center Guide to get ideas!
Snowplay at Alpine Slide At Magic Mountain recreation park is one way to enjoy the Southern California mountain town. (File photo by Rachel Luna, San Bernardino Sun/SCNG)
10. Snuggle in the snow: Get cozy with your loved one on a ski lift or maybe take a scenic chair lift ride, but make sure to bundle up. If you want a snowboard or ski getaway, be warned…with President’s Day the following Monday, it’ll be busy. Snow Summit, Bear Mountain, and Snow Valley are the local ski resorts.
Enjoy a day of snow play at Alpine Slide at Magic Mountain recreation park in Big Bear Lake if you want to avoid the resort crowds, but still want a thrill. There is a bobsled experience and snow play areas where you can tube down the hill.
If you’re not into playing in the snow, but want to enjoy the mountain views, check out Mount Baldy’s scenic lift rides, which take people to the Top of the Notch Recreation Area. It’s a 20-minute ride to 7,800 feet that has views all the way to the Pacific Ocean.
If you’ve been holding off on selling your house to make a move because you felt mortgage rates were too high, their recent downward trend is exciting news for you. Mortgage rates have descended since last October when they hit 7.79%. In fact, they’ve been below 7% for over a month now (see graph below):
And while they’re not going back to the 3% we saw during the ‘unicorn’ years, they are expected to continue to go down from where they are now in the near future. As Dean Baker, Senior Economist at the Center for Economic Research, explains:
“It also appears that mortgage rates are now falling again. They will almost certainly not fall to pandemic lows, although we may soon see rates under 6.0 percent, which would be low by pre-Great Recession standards.”
Here are two reasons why this recent trend, and the expectation it’ll continue, is such good news for you.
You May Not Feel as Locked-In to Your Current Mortgage Rate
With mortgage rates already significantly lower than they were just a few months ago, you may feel less locked-in to the current mortgage rate you have on your house. When mortgage rates were higher, moving to a new home meant possibly trading in a low rate for one up near 8%.
However, with rates dropping, the difference between your current mortgage rate and the new rate you’d be taking on isn’t as big as it was. That makes moving more affordable than it was just a few months ago. As Lance Lambert, Founder of ResiClub, explains:
“We might be at peak “lock-in effect.” Some move-up or lifestyle sellers might be coming to terms with the fact 3% and 4% mortgage rates aren’t returning anytime soon.”
More Buyers Will Be Coming to the Market
According to data from Bright MLS, the top reason buyers have been waiting to take the plunge into homeownership is high mortgage rates (see graph below):
Lower mortgage rates mean buyers can potentially save money on their home loans, making the prospect of purchasing a home more attractive and affordable. Now that rates are easing, more buyers are likely to feel they’re ready to jump back into the market and make their move. And more buyers mean more demand for your house.
Bottom Line
If you’ve been waiting to sell because you didn’t want to take on a larger mortgage rate or you thought buyers weren’t out there, the recent decline in mortgage rates may be your sign it’s time to move. When you’re ready, let’s connect.
Living in a country with a tropical climate such as the Philippines is the dream vacation or even retirement plan for many people across different countries all over the globe. For one, we never have to thaw ice from snow build-ups nor wear over 3 layers of clothing. However, tropical climate comes with its share of mishaps such as low-pressure areas and typhoons that bring with them strong winds, rain, and chances of flash floods that can last for days at a time.
This can happen at any time but is more common during the rainy season, which is usually from June till October. The good news is, there are ways to possibly spare your home from the dangers of flash floods or at least make preparations sturdy enough to prevent any major damages. As the famous saying goes, it is better to be safe than sorry. It is a known fact that even the sturdiest homes can suffer from cracks and leakages despite being built with good quality materials. This regular wear and tear are inevitable and worth maintaining to avoid much bigger problems in the future. After all, our home is an extension of ourselves and should be maintained regularly.
In this article, we will tackle a few home maintenance tips, just in time for this year’s rainy season.
1. Inspect those roofs and gutters
It is a fact that our roof is the first line of defense from strong winds and heavy rains, so even if there is not much impact on the home’s overall feel, it plays a big role in keeping you and everyone else in your home safe.
The gutters also play an important part in draining the water and shielding us from great inconveniences brought about by natural disasters. If one of our gutters breaks, then the house would most likely experience flooding in some areas.
A month before the rainy season begins is the perfect time to check for any holes or cracks in the roof and gutters. Be sure to reseal everything and avoid any downpipe clogs. Make sure you do this inspection yearly to avoid any further damage caused by future typhoons.
2. Inspect your electrical systems
From the sockets to the wires, to the main switches, check all your electrical systems. This will help you create an extra layer of safety in your home, especially from unwanted water leaks which could lead to accidental fires.
If you do not know how to do it yourself, don’t fret! Not everyone does. It is best to hire an electrician to do the inspection at least twice a year. Just like your roofing and plumbing, these may not be aesthetic fixes, but instead, they are practical fixes that can save you a lot of money.
3. Be wary of pests, mosquitos, and the dangers they come with
The World Health Organization has declared over 169,000 dengue virus cases in 2015. Although those numbers are significantly lower now, the fact remains that this is due to mosquitoes that breed in murky and stagnant water in our homes, and most of the time, this happens during the rainy season whether we are aware of it or not.
It is best to keep our whole home free from stagnant waters and puddles that may form in different areas of our home during the rainy season, especially outdoors. These attract bugs and become ideal environments for mosquitoes to breed. It is best to be mindful of these and keep our family safe by cleaning the entire garden, swimming pools, aquariums or fish ponds after a few days of consistent rainfall.
4. Update your storage solutions
If possible, elevate your furniture and electrical appliances, especially if your home has a basement or lower floor, or if your house is not elevated. This is for the purpose of sudden flash floods.
If you are still in the process of designing your dream home, find heavy, sturdy, and waterproof storage solutions that will protect your most valuable belongings from getting wet or destroyed in case of rain or strong winds getting inside the house through a leak on the roof or flooding like our marbled boxes. Always choose sturdy furniture made of high-quality materials like metal, stone, wood, or marble that would more likely outlast a flood, and come out with no health risks like mold infestation unlike upholstered furniture.
We deserve to feel safe, no matter the seasons or weather conditions, and there should be no place on earth that would make you feel safer than your own home and personal sanctuary.
Thanks!
Please fill out the form below and we will be contacting you shortly with information about your home.
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