The pandemic has catalyzed a re-evaluation of our priorities, ushering in an era of conscious living. As we veer towards sustainable lifestyle, home décor and furnishings assume an impactful role in reducing carbon footprint while also sprucing interiors. Décor and furnishings brand, Objectry takes the center stage in the narrative, bringing sleek, eco-friendly, and luxury décor pieces. Its creations highlight traditional crafts like woodwork, ceramics, metalwork, and stonework which are given a contemporary spin with minimalist design.
Amongst its ouvre, the brand unveils a limited edition sustainable collection, Organic. It includes furniture made from various solid woods, adorned with twigs and branches that appear effortlessly crafted by nature itself. The biophilic and functional design is evident in articles such as the live edge shelf, which can serve as a TV console or a wall-mounted shelf, unique opposite chairs, shelf mirrors, salt and pepper cellars, uneven cake sets, and stools.
The pieces make the spaces feel homely and decluttered, thanks to the design vision of founder Aanchal Goel. The graduate from Symbiosis Institute of Design has travelled the globe to bring craft, traditions, modernity, architecture and practicality, together in a décor piece. Telling us what inspires her for design, Aanchal shares, “I think my curiosity began while travelling abroad. There was a dearth of designed products and furniture for homes in India while it was available in abundance all over Europe and America. When I started with Objectry in 2015, the idea was to explore a very minimal and clean aesthetic in a country that loved to decorate everything. Reducing elements down to the essentials of a material and function is something we’ve actively participated in as a design studio.”
Aanchal’s sense of minimalism is influenced by modern buildings like Martyr’s Memorial in Baghdad, Lous Kahn’s work in Dhaka, Frank LLyod Wright’s Mousetrap and many more. She tells us, “The simplicity of form and function displayed in such buildings were a starting point for the studio. Besides that, I come from a family of design enthusiasts who would redo the interiors of the house every few years, which helped reimagine the same space many times over. Something about that helped build a sense of imagination to recreate and reimagine an existing space with many permutations and combinations.”
The same philosophy of minimal and geometric décor guides the pieces so they look like extensions of nature. Elaborating more on the sustainable aspect of the edit, Aanchal shares, “Anything that can find its way back into the earth without harming the planet, is what sustainability means for us. This collection is a limited edit that cannot be replicated since no two pieces will ever look the same. Besides that, the materials used are biodegradable. That makes the natural ageing process of the wood evident in each piece.”
On styling spaces with the collection’s pieces, Aanchal suggests, “Keep them in a space with ample natural light to be able to marvel at the rawness of nature. The promised imperfection in every piece is worthy of being seen through the many shades of light during the day.”
Rs. 1,175 upwards. Available online. Mail: [email protected] Twitter: @RanaPriyamvada
California is known for its varied, lush landscapes, rich history, and high quality of life. It has 16 climate zones, ranging from dry desert basins and coastal hills, to snowy peaks and ancient forests. There’s a climate for everyone in California, which has made it a very appealing place to live.
Weather patterns generally range from mild and wet in coastal metros like San Francisco, to more dry and extreme in southern and mountainous cities like Palm Springs and Truckee. However, weather can often turn into natural disasters like flooding, heat waves, and wildfires. When these happen, it’s essential to be prepared. So what are the most common natural disasters in California, how are they changing, and what can you do to prepare? Whether you’re planning a move to San Diego or are looking at apartments in San Jose, read on for everything you need to know.
1. California wildfires
Wildfires are the major disaster in California and have catastrophic impacts. They are by far the most common and destructive type of disaster in the state, and most years, California leads the nation in wildfires and acres burned. Most recently, the August Complex and Dixie Fires burned nearly 2 million acres.These fires cost hundreds of millions of dollars to fight, and created dangerous air quality across the Western US.
California is also unique in how frequently fires affect people’s homes. From 2000-2019, over 70% of people living within the perimeter of wildfires in the US lived in California. Additionally, according to data from First Street Foundation, 71% (8.15 million) of properties in the state are at risk of being affected by wildfires.
The state’s dry season from spring through late autumn, combined with parched forests throughout the state, sets the stage for devastating fires that can spread incredibly quickly. Prolonged drought, heat waves, and windy weather are the primary causes of wildfires, which are becoming increasingly common as climate change progresses. Aging electrical infrastructure also plays a role.
Wildfires can also devastate landscapes and hillsides, making them more susceptible to flooding, landslides, and mudslides.
How to prepare for wildfires in California
If you’re planning on moving to California or already live in the Golden State, preparing for wildfires is essential. Here are key tips to help:
Create a defensible space around your property by removing flammable materials and trimming or removing dry vegetation.
Develop an emergency plan that includes evacuation routes and a communication strategy.
Install interior and exterior sprinkler systems, if you have access to enough water.
Install a generator to keep the power running in case of power outages.
Stay updated on fire weather forecasts and follow all fire restrictions.
Prepare for poor air quality by purchasing an air purifier and installing HEPA air filters on air conditioning units.
Assemble an emergency kit with essentials and valuable documents.
Ensure your insurance adequately covers fire damage, or, if the rising premiums are too high, understand the risks of going uninsured. Unfortunately, due to more frequent disasters, high interest rates, and a desire for less regulation, many insurance companies are no longer offering insurance to homeowners in California.
Collaborate with your community to prevent fires. This is the most successful way to mitigate fire risk in your neighborhood.
2. California drought
Drought has been a severe issue in California for decades. From 2011 to 2022, the issue was extremely acute as reservoirs were drying up, prompting many water conservation regulations. California is one of many Southwestern states dealing with a megadrought that has plagued the region since 1990, primarily due to rising average temperatures and significantly reduced rainfall.
However, because of record snowfall and a wet spring in 2023, most of California is no longer experiencing a drought. That said, this will likely be short-lived due to climate change, chronic groundwater overuse, and a declining Colorado River.
Droughts differ from other natural disasters because they are often long-term events, rather than flooding or snowstorms that will generally pass in a day to a few weeks. However, the effects can be dramatic and significantly alter daily life. For example, some towns in the San Joaquin Valley have no access to fresh water and must rely on private companies and bottled water.
Droughts can also increase the frequency and severity of other disasters, such as forest fires, dust storms, and heat waves.
How to prepare for drought in California
Because drought has already existed in California for decades, it’s important to adapt your lifestyle to accommodate lower water use and prepare for future restrictions. For example:
3. California flooding
California is known for its pleasant weather, but it’s actually very prone to flooding. In fact, from 1950-2017, floods prompted the second most disaster declarations, after wildfires. Floods have also affected people; 23% of properties in California have a chance of being severely damaged by flooding in the next 30 years.
A large portion of California is susceptible to flooding because much of it lies in an old lakebed and subsequent drainage areas. For example, a large portion of the Central Valley lies in an ancient lakebed that helped drain the Sierra Nevadas. Due to urbanization, dams, and agriculture, the lake was slowly drained and parts of it remain as dangerous floodplains during wet years.
In California, flooding is generally caused by dramatic rainfall, dam failures, snowmelt, and high tides. Most recently, from October 2022 to March 2023, California was battered by 31 atmospheric rivers, bringing record rainfall and snowpack to the state. While this dramatically improved the state’s drought outlook, it caused flooding and widespread damage. Flooding continued into the spring as the massive snowpack began to melt.
Climate change is causing precipitation in California to fall more irregularly but intensely, leading to more flooding.
How to prepare for flooding in California
Flood risks are different throughout the state, and preparation varies depending on where you live. For example, San Francisco and Sacramento are more susceptible to riverine flooding and levee failure, while Los Angeles is prone to flash flooding. Regardless, here are a few tips to help you prepare for floods:
Review the flood risk map for your area to see your potential risks.
Consider flood insurance if you’re in a high-risk zone.
Keep emergency supplies on hand, including non-perishable food, water, medications, and important documents.
Elevate valuable items in flood-prone areas of your home, and install sandbags or barriers if necessary.
Stay tuned to weather forecasts and alerts, and have a communication plan with your family.
4. California landslides and mudslides
Landslides pose a significant risk to homeowners in California. They are a particularly bad natural disaster in regions with steep terrain, on the coast, and areas that have been affected by wildfires. Factors such as heavy rainfall, earthquakes, rapid snowmelt, and even construction or excavation can trigger landslides. Mudslides are similar to landslides and can develop in tandem or on their own after heavy rainfall or snowmelt. Importantly, mudslides are generally caused by weather events, as opposed to landslides which can be caused by naturally shifting rock.
Many areas of Southern California are at a higher risk of landslides and mudslides due to more severe fires followed by heavier rains. And as the fire season gets longer and the rainy season gets shorter but more intense, this is expected to worsen. Small landslides will now likely occur throughout the state every year, while major landslides are expected every 10-13 years.
How to prepare for mudslides in California
The most important part of preparing for a landslide is thinking ahead and familiarizing yourself with the landscape. Importantly, don’t build a home or structure near steep slopes, close to mountain edges, or along natural erosion valleys. This helps you minimize your risk without retrofitting or additional procedures. Here are some additional tips to help:
Consult a professional for retrofitting, such as flexible pipe fittings.
Plant ground cover on slopes, and build retaining walls around your property.
Build channels or deflection walls to direct mudflow around your home. However, if you build walls that direct flow into a neighbor’s property, you may be liable for damages.
Consider purchasing additional insurance coverage, as standard homeowners insurance policies generally don’t cover damage from landslides or mudslides. If the landslide was the result of an earthquake or flooding, earthquake insurance or flood insurance may cover it.
Stay alert during periods of heavy rain or seismic activity and follow any warnings from local authorities.
Recognize warning signs, such as new or widening cracks in your home’s structure, bulging ground, or unusual sounds.
5. California snowstorms and blizzards
Winter storms and blizzards are significant concerns in California, especially in the Sierra Nevadas. Recently, in February and March 2023, a string of storms brought many feet of snow to a majority of the state, prompting blizzard warnings throughout the state, including San Diego and Los Angeles counties. However, even though the storms were destructive, they helped increase the state’s snowpack to a record high.
In California, snowstorms often come from atmospheric rivers hitting the tall Sierra Nevada mountains. Sometimes, storms can also affect the San Gabriel and San Bernardino mountains. These can bring many feet of snow over the course of a few hours to days, leading to road closures, power outages, downed trees, stranded travelers, and limited access to emergency services.
Snowstorms can also turn into blizzards, which means that there are high sustained winds and low visibility (below ¼ of a mile for at least three hours).
How to prepare for snowstorms and blizzards in California
Preparing for severe winter weather events is crucial to ensuring your safety and minimizing impact on your home and family. Here are a few tips to help you prepare for winter:
The first thing you should do is winterize your home by inspecting your roof, clearing gutters, cleaning your chimney, insulating your attic, checking your heating system, and insulating your pipes.
Update your emergency kit to include extra warmth.
Keep a supply of firewood or alternative heating sources in case the power goes out.
Equip your vehicle with chains, extra blankets, a shovel, and emergency supplies.
Stay updated on weather forecasts and make sure you have a reliable method of communication.
6. California earthquakes
Earthquakes are a major risk in California. The state is home to over 15,700 fault lines, and many regions experience dozens of tiny earthquakes every day. If you move to the state, you’ll likely live within 30 miles of an active fault zone. Additionally, many Californians are anxiously awaiting the next “Big One,” which is predicted to occur along the southern section of the San Andreas Fault and would likely be devastating.
There have been 16 notable earthquakes since 2010, with the most recent being the Ferndale quake in 2022. The California State Government offers an interactive map that shows all fault lines in the state, along with cities at risk. If you’re planning on moving to California and want to avoid areas at risk of shaking, use this map to help.
How to prepare for earthquakes in California
Earthquakes are irregular but destructive and can cause significant damage to structures, utilities, and water systems. Main shocks can last for minutes, while aftershocks can last for years. They can also strike suddenly, at any time, with only seconds of warning, so preparing your home is critical. Here are a few tips to help:
Purchase earthquake insurance to cover some losses in the event of a quake. This is a separate policy that you purchase in addition to regular homeowners’ insurance. It’s also available to renters.
Download the MyShake App and make sure you have a durable, charged communication device in case of an emergency.
If you rent, ask your landlord about the building’s seismic history.
Practice drop, cover, and hold on, so you are ready when a quake hits.
Keep your emergency kit stocked, updated, and accessible.
Anchor heavy items to the wall, strap down expensive electronics, and secure small valuables.
Brace your water heater according to state law
Ensure your gas lines have flexible connections.
If you live in a house built before 1980, it will likely need to be retrofitted. Don’t do this yourself; hire a seismic retrofitting professional.
If you live near the coast, you should also prepare for a possible tsunami following an earthquake. Understand your evacuation routes and be on the watch for official warnings.
Final thoughts on natural disasters in California
California’s climate is known as the land of extremes. Winter storms, summer heat, earthquakes, landslides, drought, wind, and more make it a varied and unpredictable place to live. While it has historically been one of the top migration destinations, recently, it’s a state many people are moving out of (partly due to the high cost of living in coastal cities). Because of this, the state’s population has declined by over 1.5% since 2020.
If you’re considering moving to California or already call the Golden State home, make sure you’re prepared for natural disasters and long-term weather events. Understanding your risks and adequately preparing are helpful to make the most out of living in California. The National Weather Service also offers an experimental map that shows all forecasted risks for the upcoming seven days.
Lastly, many natural disasters are worsened by climate change.So no matter how you prepare, reducing your carbon footprint and fighting for systemic change are the best long-term solutions.
This article is for informational purposes only. Individual results may vary. This is not intended as a substitute for the services of a licensed and bonded home services or disaster prevention professional. Always seek expert advice and follow all official guidance before, during, and after a disaster.
Arizona is known for its dry, warm weather and scenic desert vistas. It has a wide range of climate zones, from dry desert basins, to tall, snowy highlands. This has made the state a very appealing place to live, especially during the spring and fall.
Weather is typically on the extreme end throughout the state, from hot summers in Phoenix to cold winters in Flagstaff and the nearby Grand Canyon. However, sometimes these extremes turn into natural disasters, ranging from extreme heat to flash floods. When these happen, it’s essential to be prepared.
So what are the most common natural disasters in Arizona, how are they changing, and what can you do to prepare if you live in the state? Whether you already own a home in Scottsdale or are looking at apartments in Tucson, read on for everything you need to know.
1. Arizona heat waves
Hot, dry weather is common throughout Arizona, especially in the Southern parts of the state, where most of the population lives. Summer temperatures often reach well over 100 degrees Fahrenheit in Phoenix, and in July 2023, temperatures were above 110 degrees for a record 31 straight days.
According to First Street Foundation, nearly 53% (1.7 million) of homes in Arizona currently have an Extreme Heat Factor, meaning the average daily temperature is at least 104 degrees Fahrenheit for the hottest month of the year. This is expected to grow.
Cities often feel the heat worse than other areas due to the urban heat island effect. Phoenix, for example, can be 10-15 degrees Fahrenheit warmer in the evenings than nearby rural areas. The state government is taking an active role in mitigating this issue, such as utilizing cooling technologies and incorporating more native plants.
How to prepare for Arizona heat waves
Heat waves can be intense and last for days, so preparing is essential. Here are a few ways to stay cool in extreme heat:
Stay updated on forecasts and advisories.
Prepare a meal plan that doesn’t involve cooking indoors.
Stay hydrated before, during, and after a heat event.
Make sure your air conditioning is functioning properly.
Switch from incandescent to LED light bulbs.
Stock up on lightweight, protective clothing.
Close blinds, shades, and curtains.
2. Arizona drought
Arizona is especially sensitive to drought, even during average rainfall years. Unfortunately, much of the state is currently dealing with a long-term drought that has been affecting the Southwestern US since 1990. This “megadrought” is due to rising average temperatures and significantly reduced rainfall, which has been exacerbated by human-caused climate change.
Droughts are complicated events that are usually the result of dozens of factors. In Arizona, the primary factors have been reduced rainfall and a shrinking Colorado River, which supplies 36% of Arizona’s water.
Droughts are different from other natural disasters because they are usually long-term events, rather than flooding or dust storms that will generally pass in a day. However, the effects can be dramatic and significantly alter daily life. For example, the Arizona government was recently forced to limit or halt new construction projects around Phoenix due to lack of available groundwater.
Droughts can also increase the frequency and severity of other disasters, such as forest fires, dust storms, and heat waves.
How to prepare for Arizona drought
Because drought has been in place in Arizona for decades already, it’s important to adapt your lifestyle to accommodate lower water use and prepare for future restrictions. For example:
3. Arizona wildfires
Wildfires are common in Arizona. In fact, 74% of properties are at risk of being affected by a wildfire within the next 30 years, one of the highest percentages in the country.
The state’s hot and dry climate, combined with forested mountains in the northern parks of the state, sets the stage for potentially devastating fires. Prolonged droughts, scorching temperatures, and intermittent high winds create a recipe for ignition and rapid fire spread.
The risk of wildfires is worse in May and June until the monsoon season arrives. This is usually when it’s hottest and driest, which helps fuel monsoon activity but leads to dangerous conditions for weeks to months until rain comes.
Wildfires can also lead to parched landscapes, which makes them more susceptible to flooding.
How to prepare for Arizona wildfires
In Arizona, preparing your home and yourself for wildfires is crucial, especially during the summer. Here are a few tips to prepare:
Create a defensible space around your property by removing flammable materials and trimming or removing dry vegetation.
Develop an emergency plan that includes evacuation routes and a communication strategy.
Stay updated on fire weather forecasts and adhere to fire restrictions.
Assemble an emergency kit with essentials and valuable documents.
Ensure your insurance adequately covers fire damage, or if the rising premiums are too high, understand the risks of going uninsured.
Collaborate with your community to prevent fires. This is the most successful way to mitigate fire risk in your neighborhood.
4. Arizona flooding
Arizona is a relatively dry state, but flooding is actually a major threat; 18% of properties are at risk of flooding in the next 30 years. Arizona’s flood risk profile is marked by its arid climate, which makes it particularly susceptible to regional and flash floods despite its reputation for low rainfall. The state is also home to many rivers, mountains, and valleys, which can lead to flooding.
Much of the state’s rugged topography, concrete cities, and dry soil cannot easily absorb sudden heavy downpours, causing water to rush across the surface and overwhelm drainage systems. Even sporadic, intense rainfall events in the highlands during the summer monsoon season can trigger devastating flash floods that pose serious threats to communities and infrastructure.
How to prepare for Arizona flooding
In Arizona, being prepared for flooding is essential, particularly during sudden intense rain and snowmelt events. Because Arizona is prone to flash flooding, you may not have much time to prepare, so it’s critical to practice and have supplies ready during the spring and summer. Here are a few tips to help:
Familiarize yourself with flood risk maps for your area to see your potential risks.
Consider flood insurance if you’re in a high-risk zone.
Keep emergency supplies on hand, including non-perishable food, water, medications, and important documents.
Elevate valuable items in flood-prone areas of your home, and install sandbags or barriers if necessary.
Stay tuned to weather forecasts and alerts, and have a communication plan in place with your family.
5. Arizona dust storms
Arizona is renowned for its breathtaking landscapes and arid climate, but it also faces the looming threat of dust storms, known as “haboobs.” The state’s arid desert terrain, characterized by vast open spaces and loose, dry soil, creates the ideal conditions for these intense dust storms to form. They most often occur during the summer monsoon season and are created by strong downdrafts associated with thunderstorms.
Dust storms are often unpredictable, can be miles long and thousands of feet high, and may last up to an hour. When they hit, it’s essential to protect yourself; inhaling too much dust can be dangerous and may cause valley fever, which is caused by fungal spores that live in dry soil.
How to prepare for Arizona dust storms
You may receive official warnings for dust storms, but they’re often unpredictable. Here are a few tips to help you prepare:
To ensure you’re always prepared, follow commonsense preventive measures and make sure to keep a mask with you at all times during the summer months.
If you plan on driving, remember to pull off the road, turn off your lights, and turn off your car if a dust storm is approaching.
In your home, close windows, doors, vents, and any other opening to prevent dust from getting inside.
Final thoughts on natural disasters in Arizona
Arizona is a rich state full of history and abundant nature, making it a very appealing place to live. Phoenix has consistently been one of the fastest growing cities in the US, and is a top migration destination for homebuyers seeking the sun.
If you’re planning on moving to Arizona or already call the state home, make sure you’re prepared for possible natural disasters and long-term weather events. Understanding the risks and adequately preparing will help you make the most out of living in Arizona. The National Weather Service also offers an experimental map that shows forecasted risks for the current seven-day period. This may be helpful as you prepare for a disaster.
It’s important to note that many natural disasters are worsened by climate change.So no matter how you prepare, reducing your carbon footprint is the best long-term solution.
This article is for informational purposes only. Individual results may vary. This is not intended as a substitute for the services of a licensed and bonded home services or disaster prevention professional. Always seek expert advice and follow all official guidance before, during, and after a disaster.
The ruling, effective August 1, phases out incandescent bulbs in favor of efficient LEDs.
Fast facts:
Homeowners can still use existing incandescents, but can no longer purchase replacements (with a few exceptions) and should start switching to LEDs.
Switching to efficient light bulbs is estimated to cut US emissions by 222 million metric tons and save consumers around $3 billion over 30 years ($100 every month per home).
Retailers have already been pulling inefficient bulbs off shelves for over a year in preparation, so consumers won’t notice a large shift.
What happened?
In April 2022, the Department of Energy (DOE) passed a new rule requiring all new light bulbs to emit at least 45 lumens per watt(with a few exceptions), essentially phasing out incandescents. The rule went into effect on August 1, 2023, but has been in the works since 2007. The European Union passed a similar law in 2012.
Because most light bulbs other than LEDs (Light Emitting Diodes) don’t meet these standards, this rule bans all inefficient light bulbs, including incandescents. Businesses can no longer sell inefficient bulbs after August 1, and manufacturers haven’t been allowed to produce inefficient bulbs since January 1, 2023.
Consumers likely won’t see a difference in product selection, however; most retailers have been taking inefficient bulbs off of shelves for a year in anticipation of this ruling.
Why did the government ban incandescent light bulbs?
DOE passed this ruling to help reduce the country’s carbon emissions. Importantly, this isn’t an outright ban on incandescent lights, and some specific ones are exempt, such as those in vehicles, appliances, traffic signals, and emergency lighting. However, all other new incandescents (including halogen lights) will become illegal to sell and purchase if they don’t meet the new efficiency standards. Many compact fluorescent lights technically meet the new standards, but will also be outlawed soon.
Joel Worthington, President of Mr. Electric, a Neighborly company, notes that the government is phasing out incandescent light bulbs because they are very inefficient. “They only convert about 10% of the energy they use into light,” he says. “The rest of the energy is wasted as heat.” In addition to being inefficient, incandescent light bulbs also have a relatively short lifespan; most only last about 1,000 hours.
By contrast, LED light bulbs usually last well over 10 years (with a few outliers). They’re also extremely efficient, converting up to 90% of the energy they use into light. This efficiency helps dramatically reduce waste, cut carbon emissions, and lower consumers’ utility bills. ENERGY STAR rated LEDs provide the most efficiency.
Can you still buy incandescent light bulbs?
Starting August 1, 2023, lightbulbs that don’t meet the efficiency requirements are illegal to sell and purchase(except for a few specialty bulbs). This means it will be very difficult to find new incandescent and halogen light bulbs.
You don’t have to destroy your inefficient light bulbs, though. “As your incandescent light bulbs go out, you can replace them with energy-efficient bulbs,” notes Joel Worthington. If you have a backstock at home, you can continue installing and using them until you run out.
What the incandescent ban means for homeowners
Transitioning from incandescents to LEDs is good for everyone. It helps save you money, lower your carbon footprint, and reduce unnecessary waste. In fact, nearly half of US households already primarily use LEDs.
The new ruling doesn’t mean you have to test and get rid of your inefficient light bulbs immediately. “It simply means that when they burn out and when your supply runs out, you will have to find a more efficient replacement, most likely an LED,” says Joel Worthington. And because LEDs last up to 30 times longer than incandescent lighting, you won’t have to replace them nearly as often.
This decision matters most for those with lower incomes, who generally spend a larger percentage of their income on utility bills. Incandescent lights are cheap but inefficient, and are often the only option in budget stores. This leads to higher electric bills.
Luckily, LEDs have been dropping in price for years. And with new rules, they will likely decrease even more. making them more accessible and helping reduce electricity costs for everyone.
How will switching to LEDs affect your home?
If you primarily use incandescent light bulbs, you may be worried about how switching to LEDs will affect your home’s aesthetic. Luckily, Joel has some good news: “The regulation exempts a few specific incandescent bulbs that you may have around your home, such as chandelier bulbs, grow lights (for gardening), and holiday lights,” he says. “Yes, your holiday lighting is safe.”
For the large majority of bulbs, though, you will have to switch to an efficient option when your current bulbs go out, most likely LEDs.
Some people prefer incandescent lighting because of the quality of light it produces. However, LEDs actually offer a much wider range of color temperatures than most other bulbs, and are highly flexible, with dimmable, multicolored, string, or strip options available.
What happens next?
The incandescent light bulb ban is just one step in a larger effort to make lighting even more energy-efficient. The DOE recently proposed significantly higher efficiency standards, pushing the requirement to 120 lumens per watt. This would essentially phase out every option except LEDs, including fluorescents.
The DOE is also considering new efficiency standards for other types of appliances, such as refrigerators, dishwashers, and washing machines. These standards are designed to help consumers save energy and money, and to reduce greenhouse gas emissions.
It’s important to note that the DOE is not the only organization that is working on energy efficiency standards. The US Environmental Protection Agency (EPA) also sets energy efficiency standards for appliances, such as through the ENERGY STAR program. In addition, many states and local governments have their own energy efficiency standards.
The future of energy efficiency standards is uncertain, but it’s clear that the trend is towards more stringent standards.
The numbers to know about the world’s biggest cryptocurrency.
This article originally appeared on Finder.com and has been republished here with permission.
The first digital currency and the largest, Bitcoin makes up 39% of the total value of the biggest 250 cryptocurrency coins as of September 2022.
Bitcoin’s founding is the stuff of legend: It was created in 2009 under the alias Satoshi Nakamoto – an unknown entity who believes future currencies shouldn’t be controlled by a central government or agency.
The first Bitcoin hit the market in July 2010 at a cost of under $0.01. It took three years for the currency to reach more than $1,000. Since 2013, Bitcoin has smashed all records. It peaked at $69,045 back in November 2021. The current price of Bitcoin is around $22,259 — or 8.8% lower than what it was just one month ago. All prices are quoted in US dollars.
The price of Bitcoin has changed by -$1,963 over the past day, with yesterday’s price of about $31,818 and today’s price of $29,855. The number of Bitcoin currently in circulation is 19,055,843. While there can only be 21 million Bitcoin created, it’s estimated that this maximum won’t be reached within the next 100 years.
Bitcoin is by far the biggest cryptocurrency in terms of market capitalization — or total value in existence. Currently, $424 billion worth of Bitcoin is out in the wild. Bitcoin surpassed a market cap of $1 trillion for the first time in February 2021. Ethereum, the second most popular currency, has a market cap of $210 billion.
Some $36 billion worth of Bitcoin has been traded over the past 24 hours. The graph below depicts the volume of Bitcoin traded daily. This figure can be somewhat volatile, with $12 billion traded on one of its worst days and $72 billion traded on one of its best.
The price of Bitcoin can also be volatile. Elon Musk announced in February 2021 that Tesla had purchased $1.5 billion worth of Bitcoin and would be accepting the currency as payment, paving the way for larger companies to adopt Bitcoin and sending the price soaring. Musk reversed that announcement in May and declared that Tesla would no longer accept Bitcoin due to its high carbon footprint, leading to an immediate crash of the Bitcoin price to roughly where it was before his first tweet.
While you’ll find excellent guides covering how to invest in Bitcoin, as with any cryptocurrency, it’s wise to invest with caution.
Wildfires are destructive and can be catastrophic for homeowners, especially those who are lower income. And unfortunately, fires are getting more frequent, larger, and stronger. The wildfire season in the western US has increased by more than 100 days since 1970, along with larger and more frequent fires. These fires are expensive, too; from 2017-2021, they have cost governments more than $90 billion and have dramatically altered landscapes in forests across the country. As such, it’s important to be prepared.
Regardless of whether you live in a high fire-risk area, like Brentwood, CA, or somewhere with very little risk, such as Duluth, MN, these tips are essential. Climate change is accelerating, helping to prolong and intensify droughts and heat waves throughout the country. This creates a greater risk for wildfires anywhere in the US. So no matter where you live, read on for essential tips from Redfin to learn how to prepare for a wildfire.
1. Clear the ignition zones around your home
First, it’s essential to create defensible zones around your home to reduce the fuel sources for a wildfire. This is called the Home Ignition Zone (HIZ), which is broken up into three subsections ranging from 0-200 feet away from your house. Here’s a quick breakdown of the zones.
Immediate zone (0-5 feet)
The immediate zone is the area directly adjacent to your home, including the structure itself and its immediate surroundings. This is the most important zone to take immediate action on. Make sure to clear your house first and then work your way around your property. The goal of this zone is to eliminate fire risk as completely as possible.
Keep this zone free of all flammable vegetation and materials, especially anything underneath decks and between cracks in patios. Ideally, you shouldn’t have any vegetation in this zone.
If you have trees with long branches, make sure none of them get within five feet of your home.
Clean roofs and gutters regularly to prevent a buildup of flammable debris.
Use non-flammable landscaping materials and high-moisture-content plants.
Store firewood, propane tanks, and other flammable materials away from this zone.
Make sure your home siding is at least six inches off the ground.
Intermediate zone (5-30 feet)
This zone acts as a buffer and is primarily focused on landscaping and creating breaks that can reduce fire spread. Depending on where you live, it may still be beneficial to keep vegetation to a minimum.
Use “fire-resistant” plants that are strategically spaced to prevent the fire from spreading continuously.
Remove dead vegetation and prune trees regularly to keep them away from the ground (creating a separation between low-level vegetation and tree canopies).
Space trees so they have a minimum of 18 feet between crowns and are no closer than ten feet from your home.
You can have grass in this area, but it should be mowed to a maximum of four inches.
If possible, create breaks with driveways, walkways, and lawns.
Extended zone (30-100 feet, 200 feet in sloped areas)
The goal of this zone is to disrupt a fire’s path, not eliminate it entirely. Landscaping should be maintained, but doesn’t necessarily have to be fire-resistant.
Remove ladder fuels (vegetation that can carry a ground fire to treetops) by pruning and maintaining space between shrubs and trees.
Remove any vegetation adjacent to sheds or other small structures within this area.
Keep grass and other vegetation mowed to a short height.
Regularly remove dead plant and tree material.
Keep at least 6-12 feet between the canopy tops of trees.
2. Update your landscaping
Landscaping plays a crucial role in preparing for a wildfire, especially in areas prone to wildfires, like San Bernardino and Riverside counties. Apart from creating a defensible space using the HIZ, there’s a lot you can do. Here are a few suggestions.
Plant selection: Opt for fire-resistant plants that are native to your region. These plants typically have a high moisture content, are low-growing, and don’t accumulate dead branches or leaves. Examples include succulents, some species of rockrose, lavender, and yarrow. Avoid plants that produce resins, oils, or waxes, as they can be highly flammable.
Hardscaping: Use hardscaping elements like stone walls, pavers, concrete pathways, and patios to create firebreaks in your yard. These non-flammable elements can act as barriers, slowing or stopping the progress of a fire, and are great elements to add to your intermediate zone.
Water features: Water features aren’t viable for every home, especially if you live in a drought-ridden region. However, if you are able to install them, consider ponds, streams, fountains, or even birdbaths. These can act as barriers to wildfires and can be a water source for firefighting if needed.
Yard equipment: Avoid storing equipment with fuel still in the tank, such as lawnmowers, chainsaws, leaf blowers, and other gas-powered tools.
3. Use fire-resistant building materials
You can retrofit your home to prepare it for a wildfire, but installing fire-resistant materials at the outset is much more cost-effective.
Regardless of when you fireproof your home, it’s important to note the Flame Spread Index, which measures how far and how fast flames spread across the surface of a material. There are three ratings from best to worst: Class 1 (A), Class 2 (B), and Class 3 (C). Ideally, most of your home would exclusively contain materials in the Class 1 and 2 categories.
Ensure you never use non-treated materials, especially not fiberboard, hardboard, and plywood. Additionally, some types of wood are more flammable than others, such as pine, oak, and douglas fir. Here’s a list of essential fire-resistant building materials to consider.
Roofing and siding: Metal sheeting, fiber cement, slate tiles, fiberglass-based asphalt shingles, and brick and stone. Brick and metal are some of the most fire-resistant materials commonly available.
Decking and framing: Composite wood, Structural INsulated Panels (SIPs), aerated concrete, steel, and Fire-Retardant Treated (FRT) wood. You can treat wood after installation, as well as purchase pre-treated wood.
Windows and doors: Insulated, double pane, tempered glass windows; steel; fiber-cement; and fire-rated wooden doors. Fire-rated doors have cores that can limit fire and smoke for up to three hours, although 20 minutes is the most common. If you have a garage door, metal is the best choice.
Insulation: Fiberglass, radiant/reflective barriers, foam, and mineral wool. There are many types of wool to choose from, including glass, rock, and slag. It’s also important to note that reflective foil insulation conducts electricity.
4. Consider Insulated Concrete Forms (ICFs)
Insulated Concrete Forms (ICFs) are a material and system that consists of hollow blocks or panels made of insulating materials, which are stacked to form the shape of the walls of a building. Once in place, these forms are filled with concrete, creating a solid, insulated wall system. ICFs are extremely energy efficient, durable, and resistant to various natural disasters, including wildfires.
ICFs have unique properties that can withstand wildfires for up to four hours. While a bit more expensive than traditional wood, if you’re building a new home, ICF may be the most fire-safe option.
5. Install fire alarms and monitors
Your next step should be to know when a fire is happening in your home. In the case of a wildfire, you’ll likely know when it’s coming, but it’s still useful to install alarms and protection, so you can help limit the spread to other homes. And without fire detection, you are at increased risk of harm and damage to your home.
Smoke detectors: Smoke detectors are legally required. Ensure you have working detectors in every room of your home, test them monthly, and replace batteries annually. Make sure to follow your local building codes when installing and maintaining detectors.
Heat sensors: These can detect unusual spikes in temperature and can be especially useful in garages or workshops where you might store flammable materials.
Remote monitoring: Some smart security systems can pair with smart smoke and carbon monoxide detectors to offer remote fire monitoring, allowing you to be alerted even if you’re not home. This can be crucial for early detection and response.
6. Purchase and maintain fire extinguishers
Home fire extinguishers may not be useful for large wildfires, but they can help suppress a fire and prevent it from spreading further. While not required for one- and two-family homes, they are invaluable tools.
Maintaining extinguishers is crucial. Every month, check the pressure gauge to ensure it’s in the “green” zone. And once per year, have a professional inspect it. After any use, recharge or replace the extinguisher. Over time, even if unused, extinguishers degrade; typically, you should have them served every six years and replaced every twelve
7. Invest in a home sprinkler system
Home sprinkler systems can be an invaluable tool to reduce your risk of fire damage inside and outside your home. There are two types of sprinkler systems that can be useful during a wildfire: interior and exterior.
Home sprinkler systems are similar to those found in commercial buildings but are tailored for residential environments. They can play a crucial role in saving lives, reducing property damage, and providing an added layer of safety to homeowners. Homes that had
Exterior sprinkler systems, sometimes called “wildfire sprinkler systems” or “defensible space sprinklers,” are designed to wet the home and its immediate surroundings. This helps prevent wind-blown embers, radiant heat, and direct flame contact.
The benefits of these systems usually outweigh the costs of installation and use, as damage from a fire or firefighters is often far worse. Remember that your system must also be able to deliver water for up to eight hours straight. So if you live in a region parched by drought, this may be impossible. And, if you live in a windy area, an exterior sprinkler system may not be able to reach as far or as consistently.
8. Install a generator for emergencies
Power outages are common during wildfires, as fires can damage infrastructure and utility service providers may perform Public Safety Power Shutoffs (PSPS) to prevent further fire spread.
A generator can provide power to a home or facility during these outages, ensuring that essential appliances and systems remain operational. This can include supporting medical equipment, running external sprinkler systems, and charging communication devices.
It’s also critical to keep an AM/FM/weather radio and battery-powered lanterns on hand for government communications.
9. Keep your emergency kit stocked
Your emergency kit should contain essential supplies that will last at least 72 hours. This includes food, water, a first aid kit, tools and supplies, clothing, shelter, identification, cash, and special needs products. It’s also critical to keep an AM/FM/weather radio on hand to communicate with authorities and emergency responders.
10. Make sure your community is prepared
Protecting your own home is the first step, but is ultimately futile if your neighbors aren’t protected as well. Even if you install state-of-the-art sprinkler and fire detection systems on your property and follow the HIZ guidelines perfectly, water can run out, the power can go out, and fires can spread from your neighbor’s house more quickly than an exterior sprinkler system can put them out.
To truly reduce your wildfire risk, it’s critical to talk to your neighbors and ask them to remove fire risks. For a community to survive a wind-driven fire, each household must properly prepare. One of the primary ways fires spread is by jumping from an unprotected house to a protected house. This means that even if you prepare your house using the HIZ, if your neighbors aren’t prepared, your home is still at risk.
Preparing for a wildfire hinges on small daily tasks and community responsibilities more than individual action. Communities must prepare together to reduce the risk of burning together.
How to prepare for a wildfire: final thoughts
While there is no surefire way to protect your home from wildfires, preparing individually and as a community can help reduce risk. While reducing your risk is the best short-term action, the best long-term solution is to reduce your carbon footprint and slow the effects of climate change. If you have any questions, contact your local authorities or utility company.
This article is for informational purposes only. Individual results may vary. This is not intended as a substitute for the services of a licensed and bonded home services or fire prevention professional. Always seek expert advice and follow all official guidance before, during, and after a fire.
Whether you’re planning to list your home for sale tomorrow or three years from now, it’s never too early to start making investments that will ultimately increase your home’s value.
According to the 2017 Cost vs. Value report, you will get the best return on your investment (ROI) from major renovations including: new attic insulation, basement and kitchen remodels, and adding a second story.
But even if you’re not in the position to start a major renovation—cost or time-wise—there are still plenty of smaller projects. Some you can do yourself, and they’ll help you increase your home’s value to better prepare you for the day you’re ready to sell.
Read on to learn about four small projects that you can work on (maybe this weekend) to boost your home value and make your home stand out in a crowded market.
1. Replace Your Front Door
Updating your front door is a great way to boost your curb appeal. First impressions can make or break your interactions with prospective buyers—especially since most buyers (51%) use the internet to find their home.
If you want would-be buyers to keep reading about your house and eventually schedule an in-person visit, the exterior of your home needs to look clean and inviting.
At a minimum, you’ll want to give your door a fresh coat of paint. Consider choosing a bright color that contrasts with the color of your home, but accentuates your landscaping. Upgrade the hardware on the door, too, for a simple makeover that packs a punch.
If you have more wiggle room in your budget, consider upgrading your front door to steel. Potential homebuyers will appreciate the added durability and security, and you’re likely to get a 90.7% return on your investment.
2. Upgrade Your Landscaping
Landscaping is another component of curb appeal that can really set your house apart from other listings. Prospective homebuyers tend to think (consciously or not) that if the exterior of a home looks well taken care of, the inside will be, too.
Make sure to get rid of any clutter like kids’ toys or bikes that could detract from your landscaping. You’ll also want to make minor repairs or upgrades to parts of your exterior, like painting a rusty gutter or replacing a broken fence panel.
Landscaping isn’t just about a well-manicured lawn and adding color with plants. It could include building a flagstone pathway to the backyard, installing a wrought-iron fence to increase the privacy of your front lawn, incorporating a zen water feature, or creating a peaceful place to relax (not to mention creating more living space) with the addition of a gazebo.
Quality landscaping can add up to 20% to your home’s value—a significant increase!
3. Let the Sun Shine
Maximizing natural light is a great way to make your home look larger and more inviting to prospective homebuyers. Skylights are great for brightening up dark spaces like hallways, kitchens, and bathrooms.
Keep in mind though, adding a skylight is similar to adding another window to your home in that it can increase the demand on your HVAC system. You can cut energy loss off at the pass by purchasing Energy Star no-leak skylights to keep your utility bills low. You may even be eligible for a tax credit.
If skylights are beyond your budget, check out solar tubes. Solar tubes are usually half the cost of skylights and as long as you are comfortable working on a roof, you can probably install one yourself. Even the smallest solar tube, 10-inches, is the equivalent of three 100-watt bulbs, which is enough to illuminate up to 200 square feet.
4. Increase Your Home’s Energy Efficiency
Today’s homebuyers are willing to pay a premium for a home with energy efficient features. According to Globst.com, buyers will pay up to $11,000 more for a home with well-insulated windows and Energy-star appliances because of the long-term savings they can expect to experience with their monthly utility bills.
Regardless of your budget, there are plenty of ways to make your home more energy efficient. On the lower end of the cost spectrum, you can start by installing ceiling fans, programmable thermostats, and efficient toilets and showerheads.
If you have more to invest, you could upgrade your insulation—fiberglass insulation ranks high with an ROI of 107.7%—or even install solar panels on your roof.
The best part of this investment is that you don’t have to wait until you sell your home to reap the benefits. You’ll benefit from lower utility bills (and a smaller carbon footprint) while you still live in your home.
No matter which home improvement projects you take on to increase your home value, none of them will be terribly effective if you neglect basic home maintenance.
If there are problems with your home’s exterior—like broken shutters or cracked concrete, or even the way your dryer only works if you shut the lid in a certain way, it will be a big red flag to buyers. Consider creating and sticking to a year-round maintenance plan for a trouble-free home.
As the world shifts toward a greener and more sustainable lifestyle, many people are looking to renewable energy sources to help reduce their environmental impact. One of the most popular methods is solar energy, using solar panels to harness the sun’s power. However, most people think solar panels are reserved for houses and businesses with lots of roof space. This isn’t true; the transition to solar is for everyone.
But can you use solar panels for apartments? In this Redfin guide, we have everything you need to know about using solar energy in your rental. So whether you live in a studio apartment in Tampa, FL, or a 2-bedroom apartment in Brentwood, CA, read on for everything you need to know.
Can you use solar panels in your apartment?
Yes, in most cases, you can benefit from solar power in your apartment. However, it may not be as straightforward as asking your landlord to install a solar panel on the roof or buying one yourself.
Installing traditional rooftop solar panels in an apartment building is often impossible due to space constraints, ownership issues, management, state regulations, and your building’s location. It also may be difficult to use alternative methods of using solar energy, as every state has different laws and programs. However, don’t let these hurdles deter you from investing in renewable energy.
How to use solar power in your apartment
1. Convince your landlord to go solar
Probably the easiest way to get traditional solar panels for apartments is to talk with your landlord. There is no one way to go about this, and it may not be possible depending on your building’s location. However, if you decide to talk with your landlord, here are some benefits to highlight:
Start by educating your landlord about the financial benefits. Although the upfront cost can be substantial, federal, state, and local incentives can often help offset these costs, and the savings on electricity bills over time can make it a financially sound investment.
Solar panels can increase property value and appeal to future tenants. And for residents, solar panels can reduce monthly utility costs.
Landlords can also receive income from surplus energy and gain a reputation as forward-thinking property managers.
Solar energy is one of the most sustainable and cleanest sources of energy. By converting their properties to solar, landlords can significantly reduce the carbon footprint of their buildings, contributing to environmental conservation and sustainability.
No matter what, make sure to present your case professionally and respectfully. Your landlord will be more likely to seriously consider your proposal if it’s well-reasoned and clearly communicated.
2. Invest in miniature or alternative solar
Since you likely can’t install a solar panel system on your own, another option is to use miniature or alternative solar power systems. Here are a few of the most popular options.
Portable solar panels: Portable solar panels are another viable option. They’re essentially tiny solar panels that you place in your window. You can move them around to capture maximum sunlight throughout the day and can charge devices like your smartphone or laptop directly or store energy in a portable battery for later use. Portable panels are an excellent choice for renters since they can be taken with you when you move.
Solar batteries: Solar batteries can store energy to power your devices and appliances. They may not offer a large benefit, but every effort matters.
Solar water heaters: These are a great option if your landlord allows it. They use solar energy to heat water and store it for when you need it and can replace a traditional water heater, depending on your climate.
Solar air conditioners: If you have an area in your home that receives a lot of sunlight, you can use a window-mounted or portable air conditioner to cool a room.
3. Purchase SRECs
Another option is to purchase Solar Renewable Energy Credits (SRECs). SRECs are tradable commodities anyone can earn from generating solar energy or purchasing on the open market. States usually create SRECs to help utility companies meet their renewable energy goals more quickly, but they are also available to the general public through private companies. While SRECs don’t directly reduce your carbon footprint or generate power on their own, they can incentivize solar growth in your state and show your commitment to the environment.
SRECs aren’t available in every state, and prices vary widely depending on where you live. There is no nationwide governance on solar credits, which can lead to inflated prices and limited impact. Make sure you do your research before choosing to invest.
4. Join a community solar program
Community solar, also known as shared solar or solar gardens, is an increasingly popular option that allows multiple people to benefit from a single solar array. This setup can make solar power accessible to people with limited space and access, such as renters and small businesses.
Here’s how community solar generally works:
A third-party developer, often a solar installation company or a utility, builds a solar array, often on a large rooftop or unused piece of land. This array is usually larger than a typical residential solar panel system and can generate much more power.
States have unique laws limiting the size and capacity of community solar arrays. For example, in Washington State, these arrays can generate a maximum of 1 MW, designed to generate enough power for multiple households or buildings.
Once it’s built, individuals or businesses can buy (usually a monthly subscription) a portion of the electricity the solar array produces. A 5% share is fairly typical.
Once the solar array begins producing electricity, you can start saving money because the credit from your share of the solar project offsets the cost of the electricity you consume. Utility companies determine bill credits and generally have regulating power.
Community solar can be cheaper than individual solar panels because the cost is spread between many people. There are also government programs for low-income and HUD-assisted housing renters to utilize community solar at no extra cost. However, community solar projects are often full and aren’t widely available.
Pros and cons of solar panels for apartments
Investing in and taking advantage of solar energy as a renter is beneficial, but can be complicated. Here are some pros and cons to keep in mind.
Pros
Reducing your carbon footprint: If you’re able to get your landlord to install solar panels, or you’re able to use miniature solar generators, you are reducing your carbon footprint.
Saving money: If you can convince your landlord to install solar panels for your apartment, you could save money on utility bills.
Investing in your community: Purchasing solar credits and participating in a community solar program can have a big impact on your community. By investing money into renewable energy, you are helping it grow and become more widely available.
Cons
No tax credit: You can’t claim the solar federal tax credit if you use a community solar program or don’t own the property the panels are on.
Few solar options: In many cases, it’s very difficult to utilize solar energy as a renter. Dozens of states don’t offer community solar programs or SRECs, and your building may not receive enough sunlight for a portable panel.
Limited utility savings: You won’t receive anywhere near the financial benefits that your landlord will if they install solar panels. Additionally, community solar and miniature solar solutions offer little to no utility credits compared to traditional arrays.
Final thoughts on solar panels for apartments
While you may not be able to install solar panels on the roof of your apartment building, there are other ways to take advantage of solar energy and help reduce your carbon footprint. From talking with your landlord to joining a community solar program, there are plenty of options.
No matter your method, do your research and ensure you are following all rules and regulations. And if you’re unable to use any kind of solar energy, consider talking with your local city council, state government, or otherwise to get the ball rolling. Renewable energy is essential to lowering global emissions and slowing climate change, so every effort matters.
In recent years, the housing industry has witnessed a surge in interest towards innovative and sustainable solutions for affordable living. One such trend that has gained traction is modular homes. These homes, often referred to as “prefab modular homes,” have been praised for their versatility, cost-effectiveness, and environmental friendliness.
In this Redfin article, we will delve into the world of modular homes, exploring what they are, their benefits, and how they contribute to the future of housing. From bustling metropolises like New York City and Los Angeles to suburban areas such as Seattle and Dallas, the demand for innovative and sustainable housing solutions is on the rise. Let’s embark on this journey to uncover the hidden potential of modular homes.
What are modular homes?
Modular homes, also known as prefabricated homes, are structures that are built in sections (modules) at a factory, before being transported and assembled on-site. These modules are constructed in a controlled environment, ensuring precision and quality, and then transported to the building site, where they are pieced together like building blocks to form the final dwelling.
These homes can vary greatly in size and style, ranging from single-story bungalows to multi-story houses with unique architectural designs. The ability to customize the layout and aesthetics makes them an attractive option for homebuyers seeking personalization within their budget.
Types of modular homes
Single-section homes
Also known as “single-wide” homes, these are the simplest and most compact modular homes available. They consist of a single unit and are well-suited for individuals or small families with limited space requirements.
Multi-section homes
Multi-section homes, often referred to as “double-wides” or “triple-wides,” are larger than single-section homes. They are constructed in multiple sections and are joined together during on-site assembly. Multi-section homes offer more spacious living areas and can accommodate larger families.
Custom modular homes
Custom modular homes are tailored to the specific needs and preferences of the homeowner. From unique floor plans to high-end finishes and custom architectural features, these homes offer endless possibilities for personalization.
Panelized homes
Panelized homes fall under the broader category of modular construction. They are built in panels, such as walls and roof sections, which are assembled on-site to create the entire home. Panelized construction allows for more flexibility in design and can cater to complex architectural styles.
Prefab accessory dwelling units (ADUs)
Prefab ADUs are smaller modular homes designed to serve as secondary dwelling units on an existing property. They are an ideal solution for homeowners looking to create rental income, house elderly family members, or have a private home office space.
The Advantages of Modular Homes
Cost-effectiveness: One of the primary advantages of modular homes is their cost-effectiveness. Compared to traditional stick-built homes, modular homes often come at a lower price point due to the economies of scale achieved through factory construction and reduced labor costs.
Reduced construction time: Since most of the construction occurs in a factory setting, the overall building process is significantly faster than conventional methods. On-site assembly usually takes only a few weeks, cutting down on construction time and saving both money and resources.
Quality and durability: Factory construction ensures a higher level of quality control. These homes are engineered to withstand transportation stresses and must adhere to strict building codes and standards. As a result, modular homes often exhibit greater durability and structural integrity.
Eco-friendly: Prefab modular homes are built with sustainability in mind. The controlled manufacturing environment reduces waste and energy consumption. Additionally, some manufacturers use eco-friendly materials and offer energy-efficient options for appliances and insulation, making them an environmentally responsible housing choice.
Customization: Modular homes offer a surprising degree of customization. Homebuyers can choose from various floor plans, finishes, fixtures, and architectural styles to create a home that suits their preferences and lifestyle perfectly.
Flexibility and expandability: Another attractive feature of modular homes is their flexibility. They can easily be expanded in the future by adding additional modules or reconfiguring the existing space, providing homeowners with the option to accommodate their evolving needs.
“When exploring modular homes, consider the benefits they offer, such as rapid construction, customization options, and sustainability,” insists smart house builder DEEPBLUE. “Embrace the flexibility of modular design to create a living space that perfectly suits your preferences and lifestyle. By prioritizing your needs and carefully considering the layout, finishes, and features, you can make the most of the advantages modular homes provide, ensuring an efficient and enjoyable living experience.”
Prefab modular homes: the process
The construction process of prefab modular homes is an intricate combination of advanced technology, skilled labor, and creative design. Here is a step-by-step overview of how these homes are built:
Design and planning: The process begins with the design phase, where the homebuyer collaborates with architects and designers to create a customized floor plan and select the desired features and finishes. The design is then translated into a detailed plan for factory construction.
“When considering modular or prefab homes, it’s best to think modular from day one,” mentions Built Prefab. “Avoid designing a traditional home with hopes of adapting it for modular construction. Engage industry experts early on to ensure a smoother and more successful project. Planning with a modular mindset from the beginning will save time, resources, and potential headaches, leading to a seamless and efficient homebuilding experience.”
Factory construction: In a climate-controlled factory, skilled workers assemble the modules. Advanced machinery and techniques are used to ensure precision and quality during each stage of construction, from framing and insulation to plumbing and electrical work.
Transportation and assembly: Once the modules are complete, they are carefully transported to the building site using specialized trucks. On-site, a crane is employed to lift and place the modules onto the foundation. The modules are then fastened together, and the home’s final touches are completed.
Finishing touches: After the modules are assembled, the finishing touches are added, including interior and exterior trim work, painting, flooring, and installation of fixtures and appliances.
Inspection and certification: Before the home is handed over to the homebuyer, it undergoes a rigorous inspection process to ensure compliance with local building codes and safety standards. Once approved, the home is ready for occupancy.
“Modular construction offers a fast and customizable way to build your dream home,” shares Affinity Modular Homes. “Adhering to state and local codes, including high wind requirements, modular homes can be placed almost anywhere. With minimal on-site hassles, homeowners can actively participate in the construction process. These homes arrive at the property 85%-90% complete, and you can choose floor plans and special options for a custom touch. Enjoy the benefits of moving into your perfect home within approximately 6 months from start to finish.”
Selecting the perfect location for your modular home
When building a modular home, choosing the right location is paramount to ensure it aligns with your lifestyle and preferences. Consider proximity to amenities like grocery stores, healthcare, schools, and recreational areas to enhance daily life. Evaluate transportation options for easy commuting and access to nearby regions. Examine natural surroundings for a peaceful living environment. Research local regulations to ensure the site is suitable, and look into potential future developments to gauge their impact. By considering these factors, you can find the perfect location that complements your modular home design and enriches your overall living experience.
“When selecting the ideal location for your modular home, consider the benefits of building on vacant land, as it provides customization options, cost savings, and the freedom to choose the perfect spot,” notes Discount Lots. “To make an informed decision, weigh the pros and cons between raw land and developed lots, considering factors like cost, infrastructure, customization possibilities, and potential limitations. By carefully evaluating these aspects, you can ensure your modular home fits seamlessly into your desired location and meets your lifestyle preferences.”
The future of modular homes
As the demand for sustainable and affordable housing grows, modular homes are expected to play a significant role in the future of the housing industry. Several factors contribute to this projection. Continued advancements in construction technology, including 3D printing and robotics, are likely to enhance the efficiency and precision of modular home manufacturing. With an increasing focus on environmental conservation, modular home manufacturers are likely to adopt even more eco-friendly construction materials and practices, further reducing the carbon footprint of these homes.
Moreover, modular homes are no longer limited to simple designs, as architectural firms are exploring creative and stylish options, allowing homeowners to enjoy unique and aesthetically appealing living spaces. Additionally, in regions facing housing shortages, modular homes offer a viable solution to quickly provide affordable and high-quality housing for a growing population. The combination of these factors positions modular homes as a sustainable, innovative, and practical choice for meeting the housing needs of the future.
There’s more to banking than low monthly fees, high yield savings, and a large ATM network. More Americans today seek banks and credit unions that align with their values when it comes to sustainability and social responsibility.
The U.S. banking system tends to disregard lower income and rural communities, with traditional banks establishing multiple branches in the country’s largest and wealthiest cities. The most socially responsible banks, on the other hand, provide online banking, low monthly fees, and no minimum deposit requirements, making them accessible to lower income individuals and families. They may also support efforts to help lower income individuals qualify for personal loans, auto loans or mortgages at fair interest rates.
But that’s not all that comes with socially responsible banking. Socially responsible banks emphasize financial literacy for those in their local community. They might also consider their organization a green bank, committed to fighting climate change and avoiding projects that support fossil fuels.
10 Best Socially Responsible Banks and Credit Unions
The best socially responsible banking institutions combine sustainability, accessibility, transparency and ethics to help make the world a better place. Yet, you won’t sacrifice top-notch personal checking and savings or even high-quality business banking when you choose one of the financial institutions on our list. You can have the best of all worlds – and do what’s best for the world – by choosing a socially responsible bank or credit union.
1. Aspiration: Best for Online and Mobile Banking Services
Aspiration is not a bank. But it’s one of the best cash management accounts offered anywhere online, with no monthly fee and a host of money management features. The Aspiration Plus Spend Save account that offers 3% interest on savings.
Aspiration is a certified B-Corp that shows its commitment to socially responsible banking with a variety of programs. Aspiration will plant a tree each time you round up a debit card purchase to deposit the difference in your Save account. It pays 3% to 5% cash back on debit card purchases with companies that are members of the Conscience Coalition, a group of small businesses devoted to social responsibility and sustainability.
Aspiration offers two accounts: One asks members to “Pay-What-Is-Fair,” which means you can use the account for free if you choose. Aspiration Plus costs $7.99 monthly or $71.88 annually (save $24 when you pay upfront.) Save accounts in the Pay What Is Fair model earn 1% APY, while Aspiration Plus savings accounts earn 3% APY.
2. Amalgamated Bank: Best for Investment Planning
Amalgamated Bank has branch locations in the nation’s largest cities: Boston, New York, San Francisco and Washington D.C. The bank offers personal checking and savings accounts with no monthly fees.
Amalgamated Bank offers four checking account tiers, including three interest bearing accounts. Two of the accounts have no minimum opening deposit. If you choose the interest earning Give-Back Checking account, you’ll earn a high APY of 0.90% – 0.95%, with an additional contribution of one-half of your interest earnings going to the charitable organization of your choice.
In addition to its choices in checking and savings accounts, Amalgamated Bank stands out when it comes to helping new retail investors choose ESG companies to invest in and plan for their future.
3. Spring Bank: Best for New Yorkers
Hailed as New York’s first B Corp bank, Spring Bank offers personal and business banking online and at branches in Harlem and the Bronx. The Green Checking account offers no monthly fee with direct deposit, paperless statements and no overdraft fees. If you need an account to write checks, you’ll want to choose the Basic Checking account.
Spring Bank deposits are insured by the Federal Deposit Insurance Corporation, up to $250,000 per depositor, per account. But the bank works with the IntraFi Network to also insure multi-million dollar deposits across multiple reputable U.S. banks.
Spring Bank offers CDs with terms from 90 days up to five years with a minimum deposit of just $250 and interest rates ranging from1.50% APY up to 3.25% APY. The bank also has a high-yield Vacation/Club savings account for short-term savings.
Spring Bank ranks in the top 5% of all 3,000 B Corps across the world and earned awards for its Governance and Customer Service in 2022. The company strives to provide affordable financial products, enabling its customers to avoid what it calls “fringe” financial products like check-cashing services and payday loans.
The bank also supports small businesses in New York and beyond with business checking accounts, money market accounts, and business loans.
4. Beneficial State Bank: Best for West Coast Residents
With seven locations across California, Oregon, and Washington, Beneficial State Bank is the B Corp bank of choice for those on the West Coast. The bank’s majority owner is Beneficial State Foundation, a nonprofit organization serving the public interest.
Beneficial State Bank offers three checking accounts, all with a $50 minimum opening balance and a low monthly service charge. eChecking waives the monthly fee if you sign up for eStatements. Checking and Interest Checking products have low monthly service charges that are easy to waive if you meet certain criteria. The bank also has savings, money market, CD, and IRA accounts to help you meet your long-term and short-term savings goals.
With an emphasis on ethical, equitable banking, Beneficial State Bank is a green bank that does not support or lend fossil fuel companies. The bank shows where every percentage of your deposit goes and says that 75% of its lending occurs within its mission categories. The other 25% supports other categories, but never to projects or organizations that cause harm to the planet or the people on it.
Some of the bank’s top lending categories for businesses and consumers include environmental sustainability, affordable housing, auto loans with fair interest rates, and health and well-being. The bank is also a preferred lender for clean vehicle programs in the state of California.
5. City First Bank, A Subsidiary of Broadway Federal Bank: Best for Commercial and Nonprofit Banking
City First Bank is part of a family of companies devoted to socially responsible lending and personal and business banking in low to moderate income communities. City First Bank, based in Washington, D.C., is a black-led, minority depository institute (MDI), as well as a B Corp and a member of Global Alliance for Banking on Values.
City First Bank offers a variety of personal and business banking products, as well as accounts for nonprofit organizations. The personal checking account has no monthly fee if you meet any of four criteria:
One monthly direct deposit
10 debit card transactions
eStatement enrollment
Minimum monthly balance of $100
The bank also offers a personal savings account, CDs, money market accounts and savings accounts for minors.
6. Sunrise Banks: Best for Mortgages
Sunrise Banks offers a full range of personal banking products, including personal checking, savings accounts, credit cards, and a pre-paid Mastercard. But it is best known for its Pathway2Home affordable mortgage product, as well as other mortgages with down payments as low as 3%. The bank also writes VA loans with no down payment required.
By supporting affordable housing and helping Minnesota residents get into homes of their own and begin building generational wealth, Sunrise Banks shows its commitment to socially responsible banking. Like many of the socially responsible banks on this list, Sunrise Banks is a member of GBAV, a Community Development Financial Institution, and a B corporation.
7. Clean Energy Credit Union: Best for Clean Energy Loans
Most of the banks on our list support efforts to reduce climate change, do not help fund or support fossil fuel companies, and run their organization sustainably. Clean Energy Credit Union works to fund renewable energy through personal loans for electric bicycles, solar electric systems, geothermal heat pump systems, and green home improvements. Clean Energy Credit Union also offers auto loans for electric vehicles.
While the credit union specializes in funding renewable energy and other loans, it also offers options for personal checking and savings accounts. Checking accounts offer dividends from .01% APY to 3.56% APY with a minimum opening balance of just $25 and no monthly fees if you meet certain requirements, including having a Clean Energy loan.
Savings accounts include a bank account with a 0.15% APY and a minimum opening deposit of $100, certificates, and a money market account with dividends ranging from 0.95% up to 1.61% APY, with a minimum deposit of $2,500.
As part of its commitment to green living, the credit union offers bio-based, compostable debit cards that are eco-friendly. It is also one of the few banks or credit unions on our list that offers a Carbon Zero Teen Account online, which shows your teen the carbon offsets their deposits can fund.
8. National Cooperative Bank
National Cooperative Bank offers high yield CDs, and money market accounts, as well as checking and savings accounts and business products. The bank offers an interest earning checking account with a 0.90% APY and no minimum opening deposit. There is a $15 monthly fee if the balance falls below $500.
The money market account has a high 2.28% APY, with a minimum balance of $5,000 to avoid the $25 monthly fee. You will need just $100 to open the account. You can earn a 4.34% APY on with a 12-month CD with a $2,500 minimum opening deposit.
While the bank is committed to helping its customers earn money through high interest rates, it is equally committed to its duties as a socially responsible bank. The bank has donated $8 billion to support underserved communities nationwide, and provided loans and investments of $475 million to low and moderate income families, including mortgage loans.
9. Clearwater Credit Union: Best for Previously Unbanked Consumers
Clearwater Credit Union is a certified Community Development Financial Institution and a member GBAV. While most credit unions are devoted to serving their local communities, Clearwater takes it a step further by donating $1.6 million to 290 non-profit organizations in 2022. Employees donated more than 1,340 volunteer hours within their local communities, and the credit union awarded $20,000 in scholarships to students in the credit union’s home state of Montana.
Clearwater CU offers multiple choices in bank accounts, including a basic checking with no monthly fee, a premium checking that pays dividends, and a SmartSpend checking account with a low, $5 monthly fee for previously unbanked consumers.
The SmartSpend account can help lower income individuals and families avoid the fees that come with check cashing services or prepaid debit cards. It also gives them the opportunity to avoid overdraft fees while gaining the convenience of a deposit account, debit card, and access to mobile banking.
10. Carver Federal Savings Bank: Best for Small Business Banking
Many of the banks on our list devote time and money to sustainability, equality, and other social causes. But they don’t necessarily offer the highest interest rates available in online banking today. Carver Federal Savings Bank, however, is a Black-operated, socially responsible bank that also delivers high-yield savings of 4.00% APY.
But there is a catch. You’ll need a $5,000 minimum opening deposit. This might make the Carver savings account inaccessible to many in underserved communities seeking personal checking and savings accounts. However, for those on firm financial footing who want to support a socially responsible bank, Carver’s high yield savings is a solid choice.
Beyond the high yield savings, Carver is known for an array of checking and savings products for small business owners, including a money market account with 2.00% APY and a business interest checking account.
Start-up businesses or those with low-to-moderate balances might prefer the Carver Community Business Free Checking with no minimum balance, no monthly fee, and 200 free transactions per month. The bank focuses on Black- and Minority-owned businesses as well as women-owned businesses across New York City.
Carver is a designated CDFI and has reinvested 80% of every dollar deposited into NYC communities. It also donated $149 million in New Market Tax credit and more than $259 million in leveraged loans across the New York metro area.
How to Choose Socially Responsible or Sustainable Banks and Credit Unions
When you’re shopping around for a socially responsible bank, first consider what aspects of ethical banking are most important to you. Are you looking for a bank committed to serving low income communities, or one that puts a focus on renewable energy? Maybe sustainability is the most significant aspect to finding a socially responsible bank that aligns with your values.
Of course, you also want to think about all the other elements that you would consider for your personal banking needs. These include low fees, online banking capabilities and an intuitive mobile app, early availability of your direct deposits, and a high yield savings account.
Our list of the best socially responsible banks takes all these factors into consideration and showcases banks that back up their values with investments – in their communities and in the environment.
Organizations That Support Sustainability and Social Responsibility
The best socially responsible banks often showcase their commitment to ethical banking through certifications or membership in organizations that support and reflect their values. If a bank is a member of the Global Alliance for Banking on Values, recognized as a community development financial institution (CDFI) or a Certified B corp, you know the bank has demonstrated its commitment to ethical banking.
Global Alliance for Banking on Values (GABV)
The Global Alliance for Banking on Values (GABV) is a worldwide network of socially responsible banks committed to ESG values. GABV banks focus on three pillars:
Finance change
Do no harm
Sustainable products and services
To join the Global Alliance for Banking on Values (GABV), banks must show their commitment to sustainability, and have a balance sheet of at least $50 million. They must be a full service bank and show financial stability and stable governance. Many of the best socially responsible banks are members of the Global Alliance for Banking on Values (GABV).
Community Development Financial Institutions (CDFIs)
A Community Development Financial Institution is a bank, cash management account, or credit union that is certified by the U.S. government. It’s a bank that has shown a commitment to providing banking services in low income communities and underserved communities across the U.S.
Unlike many other financial institutions, Community Development Financial Institutions focus on areas such as economic development, affordable housing and supporting small businesses in their local community.
Certified B Corp
A Certified B Corp is any organization or socially responsible financial institution that successfully balances purpose and profit. Organizations can apply for B Corp certification if they demonstrate transparency, social responsibility, and show high social and environmental sustainability standards. Banks and credit unions must pass rigorous certification standards to become recognized as a B Corp.
FAQs
Still have questions about the best socially responsible banks? Check out some commonly asked questions below.
Which banks are eco-friendly?
Many U.S. banks meet eco-friendly requirements in a variety of ways. Some, like Clean Energy Credit Union, refuse to support fossil fuel companies. Aspiration plants a tree whenever customers round up their debit card purchases to deposit into a savings account.
To find eco-friendly banks, you can look up their ESG (Environmental, Social & Governance) ratings on their websites, in their financial statements, or on a website like Sustainalytics.
Remember, ESG ratings are derived from many factors, including a company’s diversity & inclusion practices, sustainability, charitable donations, and more. You may have to dig deeper to see which banks employ sustainable practices to reduce their carbon footprint.
How Can You Determine Which Banks Are Committed to Ethical Banking?
A search on a company website should help you find the best socially responsible banks committed to ethical banking. Check online to see if the bank helps underserved communities or the unbanked or underbanked population. Ethical banks may be recognized as a community development financial institution.
What is responsible banking?
Responsible banking or ethical banking typically focuses on three key areas:
Banking access and community development
Environmental impact and climate change
Holistic social responsibility
What is an ESG bank?
An ESG bank focuses on environmental sustainability, social responsibility and ethical governance.