GE has a bright idea

GE has a bright idea all right and a pretty helpful website when it comes to lighting design. If you go to GE Lighting's website, there's a hot link on the right side with the title Design with Light. That Design with Light section offers a wealth of practical ideas and applications of lighting design. Accurate and sensible approaches to lighting design from a consumer's perspective are next to impossible to find. From my perspective, I'm happy to see that there's a lot on that site for me to learn too. It's a win win and GE deserves some praise for getting this right.

So far as practicality goes, there's a section titled Mood Lighting. Mood Lighting takes a lighting goal for a room, explains how to go about achieving that goal and then recommends GE products to make it all happen. Unlike a lot of corporate how-to stuff on the web, this one's pretty transparent and they don't go overboard on the corporate BS. Check it out and learn how to make a room

Welcoming

Cozy

Creative

Peaceful

Motivated

Dramatic

Intimate

Pretty cool stuff if you ask me.

Pixar's architect lamp goes blind

This is hilarious! Kind of an interior design joke but funny funny never-the-less.

Sinks by Kanera, pure love in the form of a plumbing fixture

My pals over at Web Urbanist gave me a hot tip the other day. And the tip was this: sinks by Kanera. I mean, look at these things.

Even without any water in it, just looking at these sinks makes my blood pressure drop.

These sinks are designed and manufactured by the German company Kanera and here's Kanera's website. Web Urbanist highlighted them in a piece they ran about new directions in sink design. For the life of me I can't find any price information, but they're sure pretty.

Not something you're likely to run across at Home Depot any time soon, but isn't that the point?

As with anything new and exciting like this, what's always interesting to me is watching these kinds of innovations trickle their way through the market place. I doubt American Standard will be offering a knock off of this any time soon, but rest assured they'll start playing with free-form shapes in the next couple of years.

In the meantime, I'll keep looking at these babies.

What on earth is in my FICO Score anyway?

My car insurance premium just went down. It was a nominal decrease, but I'll take what I can get. I called my insurer just to make sure that it wasn't a mistake and the customer service rep chirped that my FICO had gone up and my rates dropped accordingly. I still fail to understand the connection between my credit rating and my car insurance rates, but I'm sure there's an actuary somewhere who can prove that the two things are related. And I'm equally sure that when presented with this evidence I'll dismiss it. Anyhow, the whole thing got me thinking about the FICO thing.

I know what my number is, but I still don't know what it means or how it's derived. Well, enter my pal Ben Popken and Consumerist again. He ran a story on Monday with this pie chart:

He found it on a website called MyFICO.com. Check it out.

This is from MyFICO.com:

Payment History

• Account payment information on specific types of accounts (credit cards, retail accounts, installment loans, finance company accounts, mortgage, etc.)
  
• Presence of adverse public records (bankruptcy, judgements, suits, liens, wage attachments, etc.), collection items, and/or delinquency (past due items)
  
• Severity of delinquency (how long past due)
  
• Amount past due on delinquent accounts or collection items
  
• Time since (recency of) past due items (delinquency), adverse public records (if any), or collection items (if any)
  
• Number of past due items on file
  
• Number of accounts paid as agreed
  

Amounts Owed

• Amount owing on accounts
  
• Amount owing on specific types of accounts
  
• Lack of a specific type of balance, in some cases
  
• Number of accounts with balances
  
• Proportion of credit lines used (proportion of balances to total credit limits on certain types of revolving accounts)
  
• Proportion of installment loan amounts still owing (proportion of balance to original loan amount on certain types of installment loans)
  

Length of Credit History

• Time since accounts opened
  
• Time since accounts opened, by specific type of account
  
• Time since account activity
  

New Credit

• Number of recently opened accounts, and proportion of accounts that are recently opened, by type of account
  
• Number of recent credit inquiries
  
• Time since recent account opening(s), by type of account
  
• Time since credit inquiry(s)
  
• Re-establishment of positive credit history following past payment problems
  

Types of Credit Used

• Number of (presence, prevalence, and recent information on) various types of accounts (credit cards, retail accounts, installment loans, mortgage, consumer finance accounts, etc.)
  

Top down blinds from Smith and Noble

I had a request form a reader over the weekend, and he asked me about where to find blinds that opened from the top down like these ones I'm showing here.

This is called a "top-down" mounting and it's usually done with honeycomb blinds, wood blinds and sometimes on Roman shades. I'm sure that it's done on other kinds of window treatments as well, but I'm skating out onto some pretty thin ice when it comes to offering advice on how to treat a window. The point of top-down mountings is to admit light while preserving privacy at the same time. I always think of modern spaces when I'm asked about this kind of window treatment, but there's no rule stating that you can't do something like this in any room. Go for it, and if you're going to go for it, spend some time with Smith and Noble.

Anyhow, the images I'm showing here are all from Smith and Noble, the mail-order window treatment pros. Their top-down mountings are sold as an upgrade to their custom blinds and shades. I can vouch for these people personally --I've been thrilled with every transaction I've ever done with them. Check it out.