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Emmanuel Fonte | Music | Art | Leadership
If music be the food of love, play on. Emmanuel Fonte website is about music, art, real estate, architecture, design and decor. Occasionally, I talk about my other passion, hockey.

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Home sales could turn out sunnier than expected this spring based on data coming out of the rental market, according to economists at the Mortgage Bankers Association.
Jay Brinkmann, the trade group’s chief economist, said Thursday that apartment owners have raised their rates, in particular large investment trust Equity Residential ($58.05 0.45%). That’s coupled with fewer people, roughly 60%, who intend to renew a lease, according to a study by Kingsley Associates.
"This means we might see a spring season better than the numbers are predicting," Brinkmann said at the MBA’s mortgage servicing conference in Orlando, Fla. The trade group forecasts 4.39 million single-family homes sold in the second quarter, already an increase from the seasonally adjusted 4.17 million a year earlier.
Many Americans ran to rentals during the worst of the housing crisis, pushing homeownership to a 14-year low, and more tenants elected to stay put.
"The question is not how did (homeownership) fall, but how it got so high in the first place," Brinkmann said.
The MBA adjusted its forecast for mortgage originations in 2012 to just more than $1 trillion with more refinances than initially expected, according to Mike Fratantoni, vice president of economics and research. That’s still below 2011 levels and would be the lowest since 1997.
Fratantoni expects home sales to grow 10% in 2013, though he predicted refinances will drop off considerably as MBA projects interest rates to slowly move off the lowest levels in 40 years.
Positive employment news, including a continued decline in jobless claims, could impact housing soon, but Brinkmann said uncertainty over business taxes in an election year and European debt could keep growth at bay.
"Everything is going to be based overall where the economy goes," Brinkmann said. "This is going to be a slow year. There are a number of headwinds we’re facing in terms of economic growth."
Source: “MBA: Rising Rental Costs May Drive Home Sales Up,” HousingWire (Feb. 23, 2012)
It may be the time for you to consider buying an investment property. Give me a call or email me.
Decorating boys room can be a little tricky affair. Their interests, favorite colors, sports teams, groups, inspirations etc. are certain things on which you can model the design and decor. In addition, boys room also need to have brightness and light to keep them active throughout the day. Moreover, the theme and design of the room should also match the personality and likings of the boy in order to keep his interest alive for the room.

Placing a wooden fire truck bed can easily attract the mind and interest of your young boy. When you decide to put a fire-fighting crisp red bed in his bedroom, remember to use light color paint on the walls to cool down the warm effect of red bed. In addition, you can also create firefighter pattern on the walls to complete the look of the room.
If your boy adores sport, you can put little fanciful sports stick art or wall murals on display. Don’t go in deep by providing a full-fledged sports theme to the room. Create a grown-up space and decorate it with fancy sports items. Moreover, sporty wall murals also deck up the look beautifully. Furthermore, these can also be replaced effortlessly as a boy’s preference change.
From centuries, we have been linking shades of blue with boys. Decorating boys bedroom in various hues of blue offers a striking look and feel to the bedroom. You can create blue patterns on the wall or ceilings. Throwing down a simple blue rug or carpet can also do the look. Moreover, blue spreadsheets or curtains can also help you in completing this interesting blue theme for your boy’s bedroom.
If your teen boy is Rugby freak, then why not give his room a brilliant Rugby-inspired look. To create this look, paint the walls in solid colors along with lots of interesting textures in furnishings. In addition, you can add various Rugby materials and accessories to enliven the room with the effect of this cool sport. Drape the pillows with a Rugby-shirt stripes inspired covers to finish the look.
Jungle or Safari look always fascinates young boys. To keep their fascination growing, decorate the room in a highly interesting Jungle theme. Start with covering the walls with colorful animal wallpapers. If you are not comfortable in using the wallpapers, you can paint the room in bright colors and can use stick-ons to accessorize the walls. Furthermore, pillows and spreadsheets in leopard or zebra prints will offer a more realistic jungle feel to the room. To finish the look, accessorize the room with various safari hats, nets or binoculars.
Offering a rustic look to a boy’s bedroom can refresh the mood and interest of your teen boy. Why not use the scenic beauty of nature on display in his room to offer a brilliant rustic look to the bedroom. Use playful and colorful nature-inspired wallpapers in his room along with artworks that show mountains, sun, bears and birds. Use natural accessories, such as pine cones, sticks, leaves and flowers to glamorize the room.
If bugs, bees, ants or reptiles capture your boy’s attention, then doing his room in bug’s style can be really fascinating for him. You can place a table or chair inspired by the bugs and reptiles. Even placing a lamp besides his bed, which looks like a frog or bug, can also be a good idea. Bed linens and pillow covers in the bright, colorful bug prints will complete the look.
If your teen boy is an avid fan of the Army, Navy or Air Force, then salute his fondness by decorating his room in a military way. Camouflage theme can be really intriguing for your boy as it would catalyze his fondness towards military. Drench the walls in desert colors and throw down a rug in nude color. Complete the look by spreading bed linens in camouflage prints. You can also deck up the room with flags and patriotic sayings or posters.
Anything which is related with speed is always loved by growing boys. So, decking up their room in American airplane style is not a bad idea. Bring the magic of airplane alive with the striking palette of reds, blues and creams- a color scheme perfect for creating something really adventurous. Hang on various miniature airplanes and choppers in a corner of the room to offer a super interesting look. Various stickers and stencils of airplanes will also make the room come alive with the magic of American airplanes.
Start with plaid flannel bedding along with coordinating window treatments. In the next step, accessorize the room with fishing rods and paddles to bring in the beauty of wilderness. Posters or stencils of moose, fish, mountains or a flowing river will complete the look in a beautiful way.
If you want to keep the décor of your boy’s room simple and elegant but striking at the same time, then going for bold look can be your perfect choice. Put down a prominent bed sheet on his bed or throw down an exquisite rug in a solid vivacious color. If you are using bold colors in room accessories then try to keep the wall colors light and soothing, otherwise it will muddle up the entire look.
Shelves and furniture are as important as the décor of a boy’s room. Shelves are a great way to pile up the belonging of your growing boy in a complete neat way. Try to use thick and durable shelves to store his collectibles and mementos. The furniture for boy’s room should be strong, durable and exciting. Furthermore, they should also match the décor and theme of your growing boy’s room.
Roughly $25 billion in relief for distressed borrowers, states and federal government.
After many months of negotiation, 49 state attorneys general and the federal government have reached agreement on a historic joint state-federal settlement with the country’s five largest loan servicers:
The settlement will provide as much as $25 billion in relief to distressed borrowers and direct payments to states and the federal government. It’s the largest multistate settlement since the Tobacco Settlement in 1998.
The agreement settles state and federal investigations finding that the country’s five largest loan servicers routinely signed foreclosure related documents outside the presence of a notary public and without really knowing whether the facts they contained were correct. Both of these practices violate the law. The settlement provides benefits to borrowers whose loans are owned by the settling banks as well as to many of the borrowers whose loans they service.
About the Settlement: Learn about the settlement, who is affected and what claims may still be pursued against the banks. Find links to your state Attorney General’s Office to find state-specific information and contacts.
Help for Borrowers: Learn how to find out if your loan is affected by this settlement, the timeline for relief, how you will know if you are eligible. Find links to your state Attorney General’s Office to find state-specific information and contacts.
News: Read the national news release and find links to your state Attorney General’s Web site for state-specific news.
The Surfside Residence, designed by Steven Harris Architects is a contemporary residence in Montauk Point, at the Hamptons. With views of dawn’s first light at Montauk Point to the setting sun over Shadmoor covered bluffs and the surf below, this ocean front modern masterpiece dissolves boundaries between interior and exterior. The house features stairs that lead down to a private beach with some of the county’s best surfing and fishing. This stunning property is on sale now listed at $9,950,00 via Sothebys.




From my favourite (intentional spelling) Canadian poet. Learn more bout Margaret.
One Hundred Dollars
$100 – Most counterfeited money denomination in the world. Keeps the world moving.
Ten Thousand Dollars
$10,000 – Enough for a great vacation or to buy a used car. Approximately one year of work for the average human on earth.
One Million Dollars
$1,000,000 – Not as big of a pile as you thought, huh? Still this is 92 years of work for the average human on earth.
One Hundred Million Dollars
$100,000,000 – Plenty to go around for everyone. Fits nicely on an ISO / Military standard sized pallet.
One Billion Dollars
$1,000,000,000 – You will need some help when robbing the bank. Now we are getting serious!
One Trillion Dollars
$1,000,000,000,000 This is double stacked pallets of $100 million dollars each, full of $100 dollar bills. You are going to need a lot of trucks to freight this around.
If you spent $1 million a day since Jesus was born, you would have not spent $1 trillion by now…but around $700 billion.
One Trillion Dollars
Comparison of $1,000,000,000,000 dollars to a standard-sized American Football field and European Football field. Say hello to the Boeing 747-400 transcontinental airliner that’s hiding on the right. This was until recently the biggest passenger plane in the world.
15 Trillion Dollars
$15,000,000,000,000 Statue of Liberty seems rather small in comparison.
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