Queen Anne homes were popularized in the later Victorian era, beginning around 1880. This style is the quintessential Victorian home for many, with ornate woodworking and decor inside and out.

Queen Anne homes have key regional differences across the country, but maintain these essentials:

• Textured walls with decorative shingles or half-timbering
• Large round or polygonal tower at the home’s corner
• Steeply pitched and asymmetrical roof
• Decorative spindles on porches and trim
• Decorative single-pane or stained glass windows

Queen Anne architecture is most common in homes, but can also be seen in schools, churches, and office buildings.

Contemporary homes resemble the modern homes of the mid-20th century with a renewed emphasis on sustainability. Current contemporary styles are rooted in minimalism, which you can see in these key features:

• Asymmetrical exterior
• Clean lines
• Open floor plan layout
• Geometry highlighted in its structure
• Sustainable building materials and features

Contemporary homes aim to find beauty in a simple and appealing design with ties to nature and more warmth than modern home styles offer.

Shingle-style homes took influence from Colonial architecture rather than Medieval Europe. Ornamentation became simpler towards the end of the Victorian-era and Shingle-style homes are best known for their creative floor plans and signature shingles on exterior walls.

Shingle Victorian homes are identified by these interior and exterior features:

• Shingles cover the entire exterior
• Asymmetrical interior layouts without a central hallway
• Emphasis on horizontal planes
• Custom built to meld with the nature surrounding the house

Shingle-style houses were designed as a work of art and encouraged creativity in their use of shapes and features.

House styles will continue to evolve with influences from history, culture, and our lifestyles. All of these house styles can be seen and celebrated across the US and have their own stories to tell. Choose the house style that fits your lifestyle, location, and, of course, personal style best. Then check your credit score, get pre-approved, and start house-hunting.

Despite the car initially being built in 1885 in Germany, American manufacturers completely dominated the automotive industry of the mid-twentieth century. Applaud be to Henry Ford, who established the first conveyor assembly line for his Model T on December 1, 1913. This creation reduced the production time of one vehicle from 12 hours to an hour and 33 minutes, making it a lot cheaper. Ford’s goal was to make automobiles accessible to everyone, and he achieved it. Nowadays, around 91% of American households own at least one car. 

Suburbanization

Before vehicles became widely available, people who lived in the city worked in the city, while most of those who settled in the country were farmers. Now that it was possible to travel vast distances in a short amount of time, the thought of dwelling away from the bustling downtown while still being able to work there looked tempting. After World War II, many soldiers received an opportunity to live on their property in a single-family home, resulting in a baby boom and a surge in demand for tract houses. Seventy-seven million children had been born by the end of 1964. At that time, the suburbs were booming, with over a third of the population residing there. 

The American Road Trip

Cars turned into a symbol of personal freedom and independence, allowing us to travel throughout the nation at will. For many families, the famous American road trip is a ritual. The destination itself, often overlooked, holds little value, as that feeling of liberty and the ability to travel to any desired location in the country alongside your family and friends is what brings immense joy. The complex infrastructure designed around your car makes this activity even better.

New Business Categories

Many new businesses started along with the development of automobiles. Getting hungry in the middle of the trip stopped being a problem. Just hit the local drive-in or drive-thru where carhops, sometimes on roller skates, will take care of the food orders, letting you stay inside the car. After everyone is full and satisfied, the desire to watch a good movie kicks in. So, our next destination is the drive-in theater. This gigantic outdoor screen with a parking area next to it was popular in the 1950s, romanticized by TV series such as Happy Days, American Graffiti, and Grease. Once again, there was no need to leave the vehicle unless you wanted to get some snacks from the concession stand. On the way home, let’s stop at a mall for some shopping. It is convenient to have many different stores gathered for us in one place. However, the distance from the downtown is reasonable. That is why we have cars; otherwise, such shopping centers wouldn’t exist. 

Hot Rodding, Drag Racing, and NASCAR

Coming back home from a heartwarming, peaceful family trip, it feels like there is a need for something more out of your car. What if it could go faster? Solely add an enormous engine and get a fancy paint job, turning it into a hot rod. Hot rodding and drag racing are motorsports that gained popularity in the 1950s and remain relevant. Another is NASCAR, where racers compete on slightly tilted speedways using stock cars. It is, by the way, the second most spectated sport in the USA behind the NFL (National Football League).

We could write a book on the tremendous impact cars made on American culture and society. However, a piece of paper could never fully convey all the experiences, as every automobile becomes unique in our hands. At Tempus Logix, we offer auto transportation across the nation, no matter if it is a hot rod, a family van, or a tractor: so that your motor vehicle can always stay by your side. (Quelle:tempuslogix.com)

A college endowment refers to all the money that an institution receives in donations. However, endowment funds are not ‘no-questions-asked’ cash boosts for the college. Instead, endowments are tightly controlled investments that are supposed to be grown so that the interest can be used to upgrade facilities, hire new staff, provide scholarships or aid the college or its students in some way.

Over the past three decades, the total market value of the 20 largest college endowments has grown nearly tenfold — from $30.6 billion to $302.1 billion. As the size of college endowments has increased, so too has the debate over their purpose, management and ethical obligations.

To get a better idea of how college endowments have changed over the last 30 years, DegreeQuery looked at the market value of the 20 largest U.S. college endowments from 1990 to 2020.

30 Years of U.S. college endowments

Based on the most recent NACUBO survey of 810 universities, the total market value of endowments in 2018 was $624.3 billion. 48.3% of that is held by just 20 colleges. But why the huge growth in market value over the past 30 years? It might be something to do with how much of the endowment the university chooses to spend on operations or the return rates of the endowment’s investment portfolio. Due to their often wealthy donor base and long-term investment horizons, the largest university endowments can invest in a diverse array of asset classes, and often grow faster than the economy as a whole.

From 1990 to 2020, the market value of the 20 largest college endowments grew at an average annual rate of 8.5% — faster than the 6.6% average annual growth rate for the Fortune 500 over the same period. The universities with the fastest growth over the past 30 years include the University of Michigan, Duke University and the University of Notre Dame. Meanwhile, the endowments with the slowest growth include Emory University, Rice University and Washington University in St. Louis.

1. U.S. college endowments in the 1990s

From 1990 to 1999, the market value of the 20 largest U.S. college endowments grew at an average annual rate of 12.5% — the fastest of the last three decades. As you can see from our graph, over this period, the University of Michigan endowment rose from the 20th largest to the 17th largest, and the University of Pennsylvania rose from the 16th largest to the 12th largest. Meanwhile, the Columbia University endowment fell from the sixth-largest to the 11th largest. Although the University of Texas System endowment had the slowest growth of the 20 largest endowments over this period, it remained the second-largest endowment overall.

2. U.S. college endowments in the 2000s

Endowment growth is closely connected with the overall health of the economy. As of 2018, just 4% of endowment assets were held as cash, the rest invested in equities, fixed income instruments and alternative investment vehicles. In the lead up to the 2008 financial crisis — university endowments had increasingly invested in high-risk, illiquid investments like private equity, real estate and hedge funds. As a result, endowments lost tens of billions of dollars in value, with some schools losing more than 25% of their total endowment value. From 2008 to 2009, the total value of the 20 largest endowments fell 3.4%. Yale posted the largest percentage decline, losing 28.6% of its market value. Other university endowments that posted big losses from the recession include Harvard, Duke and Stanford.

3. U.S. college endowments in the 2010s

Endowment growth rates rebounded in the wake of the Great Recession, although growth was still slow compared to the 1990s. From 2010 to 2018, the market value of the 20 largest endowments grew at an average annual rate of 7.6%. This is more than the 3.5% average annual growth rate for 2000 to 2009, yet less than the 12.5% rate for 1990 to 1999. During this period, the biggest winners were the University of Pennsylvania, rising from 11th to 7th largest, and the Texas A&M University System, which rose from 10th to 8th largest. Lackluster performance at some of the wealthiest schools has prompted some universities to make major changes to their endowment management. In 2017, for example, Harvard announced it would lay off roughly half of its 230-person staff in the wake of poor investment performance.

As you can see, university endowments were big business over the past 30 years. Nowadays, students, policymakers and the general public are increasingly involved in the conversation surrounding their management, mission and societal impact. For example, the 2017 Tax Cuts and Jobs Act, which imposed a 1.4% tax on the net investment income of the wealthiest endowments, recently sparked a wave of criticism from university administrators. Elsewhere on campus, protesting students demanded their universities divest from fossil fuel companies.

As the debate rages on and endowments continue to grow, these visualizations help us see how we got to this point.

Methodology

To get a better idea of how college endowments have changed over the last 30 years, DegreeQuery looked at the market value of the 20 largest U.S. college endowments from 1990 to 2018. Data on endowment asset value by university came from the National Association of College and University Business Officers (NACUBO) and is unadjusted for inflation. In years when certain universities did not participate in the NACUBO survey, we estimated the endowment value based on the compound annual growth rate for all available years. Estimated figures include the market value of the endowment assets for the Texas A&M University System for 1990, as well as the market value of the endowment assets for the University of California system for the years 1990 through 1992.

SOURCES
Fortune 500. (n.d.) Fortune 500 2018. fortune.com
NACUBO. (2019). Detailed Asset Allocations for U.S. College and University Endowments and Affiliated Foundations, FY18. nacubo.org
Miller, C. & Fabrikant, G. (2008). Universities retrench as endowments suffer from financial crisis. nytimes.com
Humphreys, J. et al. (2010). Educational Endowments and the Financial Crisis: Social Costs and Systemic Risks in the Shadow Banking System. tellus.org
Plender, J. (2014). There is a history lesson to be learnt from Yale endowment. ft.com
Fabrikant, G. (2017). Harvard Makes Changes in Managing a Lagging Endowment. nytimes.com
Tax Policy Center. (n.d.). What is the tax treatment of college and university endowments? taxpolicycenter.org

Around the 1820s, Americans experienced a renewed interest in classic Greek and Roman culture. This cultural shift was a natural fit for architects, who brought the Greek Revival house style to life.

Greek Revival architecture became popular in homes as well as businesses, banks, and churches. Prominent features include:

• Easy to identify shapes, including a rectangular building and triangular roofs
• Gable-front designs
• Large porches and protected entryways
• Greek-inspired columns both square and round

Greek Revival homes often have decorative trim and moulding around the front door and windows. These ornate features and columns are easy ways to identify Greek Revival architecture.

1. From this valley they say you are going, I will miss your bright eyes and sweet smile, For they say you are taking the sunshine, that brightens our pathways awhile. (CHORUS) Come and sit by my side if you love me, do not hasten to bid me a-dieu, but remember the Red River Valley, and the cowboy who loved you so true.

2. I’ve been thinking a long time, my darlin’, Of the sweet words you never would say, now, alas, all my fond hopes must vanish. For they say you are going away. Repeat Chorus: Come and sit by my side if you love me, do not hasten to bid me a-dieu, but remember the Red River Valley, and the cowboy who loved you so true.

3. Do you think of the valley you’re leaving? Oh, how lonely and sad it will be! Do you think of the kind hearts you’re breaking, and the pain you are causing to me? Repeat Chorus: Come and sit by my side if you love me, do not hasten to bid me a-dieu, but remember the Red River Valley, and the cowboy who loved you so true.

4. I have promised you, darlin’, that never, will a word from my lips cause you pain; And my life, it will be yours forever If you only will love me again. Repeat Chorus: Come and sit by my side if you love me, do not hasten to bid me a-dieu, but remember the Red River Valley, and the cowboy who loved you so true.

The Royal Exchange in London was founded in the 16th century by the merchant Sir Thomas Gresham on the suggestion of his factor Richard Clough to act as a centre of commerce for the City of London.[1] The site was provided by the City of London Corporation and the Worshipful Company of Mercers, who still jointly own the freehold. It is trapezoidal in shape and is flanked by Cornhill and Threadneedle Street, which converge at Bank junction in the heart of the city. It lies in the ward of Cornhill.

It has twice been destroyed by fire and subsequently rebuilt. The present building was designed by Sir William Tite in the 1840s. The site was notably occupied by the Lloyd's insurance market for nearly 150 years. Today the Royal Exchange contains Fortnum & Mason The Bar & Restaurant, luxury shops, and offices.

Traditionally, the steps of the Royal Exchange are the place where certain royal proclamations (such as the dissolution of parliament) are read out by either a herald or a crier. Following the death or abdication of a monarch and the confirmation of the next monarch's accession to the throne by the Accession Council, the Royal Exchange Building is one of the locations where a herald proclaims the new monarch's reign to the public.