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BMI’s new ager, who just responsibilities r running proTexas Library n Austin, Texas, will be the first writer to live at Juhl under the new program. She and her partner, Steve Siwinski, will host several gatherings this summer in the Juhl studio space for community members, writers, artists, arts leaders and other arts and literary stakeholders as she focuses on fully integrating into the Southern Nevada community.

Starting Aug. 1, writer Niela Orr, interviews editor for The Believer, a bimonthly literary magazine of interviews, essays and reviews published by BMI in Las Vegas, will take up residency at Juhl. A writer with credits in The New York Times, BuzzFeed, Elle and McSweeney’s, Orr has coordinated interviews for The Believer with such cultural luminaries as David Byrne, Paul Beatty and others.

Juhl is an urban destination, complete with 20,000 square feet of curated ground-level retail that complements the neighborhood’s existing retail, seamlessly connecting downtown districts, including the Arts District, from which it draws significant inspiration. Juhl is a popular residential choice for professionals and entrepreneurs, especially many who work at firms and courthouses throughout downtown’s expansive legal community.

“Juhl is an exciting addition to downtown’s evolution as a true urban center within the heart of our city,” Vaknin said. “It provides myriad cosmopolitan living options for like-minded residents drawn to the area’s growing vibrancy.”

To learn more about Juhl, visit juhllv.com.

To learn more about the Beverly Rogers, Carol C. Harter Black Mountain Institute and join its mailing list, visit blackmountaininstitute.org.

Of all the changes that take place in people’s life the first time they get the keys to their very own home, two things stand out in particular: first, a sense of accomplishment and second, security for their family. To be sure, achieving homeownership and putting down roots in a community come with benefits too numerous to list. But they include stability, community and an improved financial future.

“How ironic, then, that during that journey from finding the perfect home to making it your own, so many people end up paying much more money than they should simply by failing to shop around for the best mortgage loan,” said Rick Piette, owner of Las Vegas-based Premier Mortgage Lending.

It’s surprising but true. At the very time buyers are negotiating the cost of perhaps the largest purchase they will ever make, they are often inadvertently leaving several thousand of their own dollars on the negotiating table. Instead of keeping that money in their own bank account, buyers end up paying it to a lender — often unnecessarily.

“The sad thing is that it only happens because they don’t know the right questions to ask or the right people to ask them of,” Piette said.

“I get it. Buying a home is a lot of work,” Piette said. “There are so many things to get done in addition to preparing to move, which is an ordeal all its own. When you’re overwhelmed, it’s only natural to lean on others for help and advice, especially if you believe they’re more familiar with the subject, like where to get the best mortgage loan.

“But if that person happens to be your real estate agent or homebuilder, buyers need to remember this: They are not mortgage lenders. They may have an obligation to you in their role as an agent or builder, but their advice about where to get your mortgage loan is likely going to be based on the best experience for them, not for you.”

A recent Wall Street Journal article reported that the Consumer Financial Protection Bureau collected interesting financial information about mortgage loans from 2014 data. Over the

gram manager, Black Mountain Institute