In this digital age, room design apps have become a game-changer for renters and interior enthusiasts alike. With the convenience of just a few taps, you can now transform your ideas into visual representations, exploring various room layouts, color schemes and furniture arrangements. These apps also help unleash your creativity and give you the guidance you need to create the perfect ambiance for your space.
The difficulties with interior design
Designing an apartment is a challenging task, as there are a lot of factors to take into account. In an ideal world, there’s a perfect balance between functionality and aesthetics. Achieving this is tricky, especially with limited apartment space. Making efficient use of every inch becomes crucial, leading to tough choices about furniture selection, storage and overall layout.
Another struggle apartment renters run into is achieving a cohesive design. With a plethora of design styles and decor options available, it’s easy to become overwhelmed and end up with a mismatched look. Selecting the right color scheme, furniture pieces, lighting fixtures and decorative items is time-consuming and requires careful thought and even creativity.
Is there an app I can use for interior design?
In short, yes. In today’s digital age, a variety of applications exist to help facilitate interior design projects. They offer features like room planning, color matching and access to furniture catalogs, allowing the user to visualize their space and make informed decisions. There are plenty of options out there and it’s certainly worth researching to find the one that best fits your specific needs.
5 free room design apps to try
Apps have come into the picture when it comes to design, solving the common problems renters face when filling their space. With a simple download, these free apps help your ideas and designs come to life.
1. IKEA Place – spark ideas to create a better life at home
Developed by IKEA, this app allows you to virtually place furniture and decor from the IKEA catalog into your space using augmented reality (AR). It helps you visualize how IKEA products would look and fit in your room before making a purchase. Learn more about IKEA Place here.
2. Houzz – whether you’re building, remodeling or decorating, Houzz has you covered
Houzz is a platform that offers a wide range of home design ideas and connects users with interior designers. The app lets you browse millions of interior design photos, save your favorites and use them as inspiration for your own room design projects. Experiment with interior design using Houzz here.
3. Home Design 3D – create your dream home
This app focuses more on creating and visualizing your room designs in 3D. You can draw floor plans, add furniture and decorations and get a real-time 3D view of your project. It’s a great tool for DIY design enthusiasts. Play with Home Design 3D here.
4. The Landing – the place for community-powered inspiration
This app platform offers tailored recommendations using a personalized quiz and an interactive digital design planner. Embark on a virtual journey to plan out your space thoroughly for free. Explore The Landing design universe here.
5. Planner 5D – home planning in your pocket
Planner 5D is an intuitive and feature-rich home design and interior decorating tool that allows users to create detailed 2D and 3D floor plans and designs. Whether you want to design your dream home, renovate an existing space or experiment with out-of-the-box interior decorating ideas, Planner 5D provides a user-friendly platform to bring your vision to life. Plan your space with Planner 5D here.
Unleash your inner designer
Room design apps have revolutionized the way we approach interior design and home decoration. With their user-friendly interfaces and powerful features, these design apps are great tools for anyone looking to transform their living spaces. Dive into the world of virtual room design, let your creativity soar and embrace the convenience these apps have to offer. Find your dream blank canvas apartment today!
Wesley is a Charlotte-based writer with a degree in Mass Communication from the University of South Carolina. Her background includes 6 years in non-profit communication and 4 years in editorial writing. She’s passionate about traveling, volunteering, cooking and drinking her morning iced coffee. When she’s not writing, you can find her relaxing with family or exploring Charlotte with her friends.
The stars have aligned for you to read this article.
There’s no denying that the stars above can significantly influence our preferences and styles, especially in the world of decor. Your zodiac sign offers valuable insights into your unique tastes, making it worthy of understanding. Whether you’re a fiery Aries seeking bold hues or a dreamy Pisces leaning towards serene shades, let the stars be your guide to turn your bedroom into an aligned area that helps fulfill your astrological destiny. Start your transformation journey with these bedroom color ideas.
Curating your celestial vibe through color
The history of the zodiac is wide and vast. However, what has remained through its evolution is the integral part it plays in many cultures. It’s viewed as a captivating lens through individuals’ personalities, relationships and destinies based on the stars’ placement on their birthdays.
It’s important to understand that the zodiac signs are connected with four elements: air, fire, water and earth. These elemental associations play a crucial role in shaping the unique traits and overall vibe of each sign, making it easier to associate colors with concepts. We frequently refer to their corresponding element as a key factor influencing their nature. Zodiac signs also have symbols which you’ll see in parathesis next to each sign.
Bedroom color ideas to try, by zodiac sign
Note: Make sure to clear painting your walls with your landlord first before diving into decorating.
Whether you’re a curious beginner or a seasoned astrologer, uncovering your zodiac sign is the first step to gaining insights into your personality. If you’re unaware of your sign, look for your birthday below to determine your zodiac sign and paired bedroom color.
Aries (Ram): March 21–April 19: Scarlet red
As a fire sign, Aries are celebrated for their spark and bold personality. Embracing the principles of color theory, the vibrant hue of scarlet red, which symbolizes motivation and ambition, is perfect for Aries. This color captures the dynamic nature of this sign and is sure to further ignite the preexisting fire of an Aries.
Taurus (Bull): April 20–May 20: Olive green
Nature inspires Taurus, an earth element sign, and brings them comfort. Because of this appreciation for comfort and nature, a calming olive green shade is the perfect addition to their bedroom. This particular hue of green promotes relaxation and harmony, which are the exact emotions Taureans need to feel in their space.
Gemini (Twins): May 21–June 21: Yellow or Millennial pink
The symbol of a Gemini is twins, which makes it fitting to pick a color duo or at least give two options for their representative bedroom. Yellow, a color believed to bring luck to the lively Geminis, perfectly complements their curious and witty nature. The vibrant hues of Millennial pink capture the essence of their vivacious character, making their bedroom come to life.
Cancer (Crab): June 22–July 22: Sky blue
Cancer is a water sign, and sky blue reflects the calming and healing properties of water. This color creates a connection to the natural element of water, enhancing the sense of emotional flow and fluidity in the room. This soothing color also calms and regulates highly emotional and sensitive individuals, such as Cancers.
Leo (Lion): July 23–August 22: Sienna orange
Ever so confident Leos deserve a bedroom color that reflects the boldness they exude. Sienna orange is a bold and attention-grabbing color, just like Leo’s natural ability to be the center of attention. It reflects their confidence and self-assuredness.
Virgo (Virgin): August 23–September 22: Sage green
Virgos are known for their practicality and appreciation for minimalism. Sage green is almost neutral, with its green-gray tones, that create a soothing and understated backdrop, allowing them to focus on other essential elements in the room without overwhelming their senses. Arguably the most organized and meticulous sign, this muted green contributes to a visually clean atmosphere as well.
Libra (Scales): September 23–October 23: Pastel wallpaper
Libras have an eye for beauty and aesthetics, so you have more room to play with Libran bedroom color ideas. Pastel wallpaper offers a wide range of visually pleasing colors, such as soft pinks, blues, greens and lavenders, which appeal to their refined taste. This creates a bedroom space that aligns with their appreciation for elegance and artistic sensibilities.
Source: flooringinc.com
Scorpio (Scorpion): October 24–November 21: Vermillion red
Scorpios are known for their passionate and intense nature. Vermillion red, being a deep and vibrant shade of red, reflects their fiery and powerful personality. Red is an energizing color, and vermillion red could provide Scorpios with an extra boost of energy.
Sagittarius (Archer): November 22–December 21: Indigo
Sagittarians, famously associated with adventure and risk-taking, are known for their explorative nature. This dark shade of purple evokes a sense of mystery and intrigue, creating an environment that encourages their curious spirit. Creating a space that is equally inspiring and calming is important for them.
Capricorn (Goat): December 22–January 19: Cream
A grounded earth sign, Capricorns are notoriously hard workers. Hard work leads to stress, making a calming, clean-looking place for this sign to unwind imperative. Cream is a calming color that promotes relaxation and tranquility, making it the ideal hue for this practical and disciplined sign.
Aquarius (Water Bearer): January 20–February 18: Seafoam green
Contrary to “aqua” being in their name, Aquarius is a sign ruled by air. They’re best known for their imaginative and creative nature with an emphasis on strong mental focus and unapologetic pursuit of whatever quirky hobby catches their attention. Seafoam green pairs well with this sign because it evokes a dreamy and ethereal ambiance, which can inspire and further advance their creative thinking.
Pisces (Fish): February 19–March 20: Very Peri
Pisces, as a water sign, associates with the element of water. Periwinkle’s blue tones align well with this element, symbolizing flow, adaptability and emotional depth. The gentle and nurturing vibe of periwinkle can support their emotions while encouraging relaxation and destressing.
Your celestial chamber awaits
Your bedroom should be a reflection of your true self, a space that resonates with your soul and brings you comfort and joy. The beauty of embracing zodiac signs lies in the opportunity to connect with something greater than oneself and to incorporate elements that make you feel the most like you.
While these bedroom color ideas are great options, individual preferences vary, as zodiac signs cover a wide range of personality traits. Let the stars inspire you to find your most authentic self through apartment decor today!
Wesley is a Charlotte-based writer with a degree in Mass Communication from the University of South Carolina. Her background includes 6 years in non-profit communication and 4 years in editorial writing. She’s passionate about traveling, volunteering, cooking and drinking her morning iced coffee. When she’s not writing, you can find her relaxing with family or exploring Charlotte with her friends.
The stars have aligned for you to read this article.
There’s no denying that the stars above can significantly influence our preferences and styles, especially in the world of decor. Your zodiac sign offers valuable insights into your unique tastes, making it worthy of understanding. Whether you’re a fiery Aries seeking bold hues or a dreamy Pisces leaning towards serene shades, let the stars be your guide to turn your bedroom into an aligned area that helps fulfill your astrological destiny. Start your transformation journey with these bedroom color ideas.
Curating your celestial vibe through color
The history of the zodiac is wide and vast. However, what has remained through its evolution is the integral part it plays in many cultures. It’s viewed as a captivating lens through individuals’ personalities, relationships and destinies based on the stars’ placement on their birthdays.
It’s important to understand that the zodiac signs are connected with four elements: air, fire, water and earth. These elemental associations play a crucial role in shaping the unique traits and overall vibe of each sign, making it easier to associate colors with concepts. We frequently refer to their corresponding element as a key factor influencing their nature. Zodiac signs also have symbols which you’ll see in parathesis next to each sign.
Bedroom color ideas to try, by zodiac sign
Note: Make sure to clear painting your walls with your landlord first before diving into decorating.
Whether you’re a curious beginner or a seasoned astrologer, uncovering your zodiac sign is the first step to gaining insights into your personality. If you’re unaware of your sign, look for your birthday below to determine your zodiac sign and paired bedroom color.
Aries (Ram): March 21–April 19: Scarlet red
As a fire sign, Aries are celebrated for their spark and bold personality. Embracing the principles of color theory, the vibrant hue of scarlet red, which symbolizes motivation and ambition, is perfect for Aries. This color captures the dynamic nature of this sign and is sure to further ignite the preexisting fire of an Aries.
Taurus (Bull): April 20–May 20: Olive green
Nature inspires Taurus, an earth element sign, and brings them comfort. Because of this appreciation for comfort and nature, a calming olive green shade is the perfect addition to their bedroom. This particular hue of green promotes relaxation and harmony, which are the exact emotions Taureans need to feel in their space.
Gemini (Twins): May 21–June 21: Yellow or Millennial pink
The symbol of a Gemini is twins, which makes it fitting to pick a color duo or at least give two options for their representative bedroom. Yellow, a color believed to bring luck to the lively Geminis, perfectly complements their curious and witty nature. The vibrant hues of Millennial pink capture the essence of their vivacious character, making their bedroom come to life.
Cancer (Crab): June 22–July 22: Sky blue
Cancer is a water sign, and sky blue reflects the calming and healing properties of water. This color creates a connection to the natural element of water, enhancing the sense of emotional flow and fluidity in the room. This soothing color also calms and regulates highly emotional and sensitive individuals, such as Cancers.
Leo (Lion): July 23–August 22: Sienna orange
Ever so confident Leos deserve a bedroom color that reflects the boldness they exude. Sienna orange is a bold and attention-grabbing color, just like Leo’s natural ability to be the center of attention. It reflects their confidence and self-assuredness.
Virgo (Virgin): August 23–September 22: Sage green
Virgos are known for their practicality and appreciation for minimalism. Sage green is almost neutral, with its green-gray tones, that create a soothing and understated backdrop, allowing them to focus on other essential elements in the room without overwhelming their senses. Arguably the most organized and meticulous sign, this muted green contributes to a visually clean atmosphere as well.
Libra (Scales): September 23–October 23: Pastel wallpaper
Libras have an eye for beauty and aesthetics, so you have more room to play with Libran bedroom color ideas. Pastel wallpaper offers a wide range of visually pleasing colors, such as soft pinks, blues, greens and lavenders, which appeal to their refined taste. This creates a bedroom space that aligns with their appreciation for elegance and artistic sensibilities.
Source: flooringinc.com
Scorpio (Scorpion): October 24–November 21: Vermillion red
Scorpios are known for their passionate and intense nature. Vermillion red, being a deep and vibrant shade of red, reflects their fiery and powerful personality. Red is an energizing color, and vermillion red could provide Scorpios with an extra boost of energy.
Sagittarius (Archer): November 22–December 21: Indigo
Sagittarians, famously associated with adventure and risk-taking, are known for their explorative nature. This dark shade of purple evokes a sense of mystery and intrigue, creating an environment that encourages their curious spirit. Creating a space that is equally inspiring and calming is important for them.
Capricorn (Goat): December 22–January 19: Cream
A grounded earth sign, Capricorns are notoriously hard workers. Hard work leads to stress, making a calming, clean-looking place for this sign to unwind imperative. Cream is a calming color that promotes relaxation and tranquility, making it the ideal hue for this practical and disciplined sign.
Aquarius (Water Bearer): January 20–February 18: Seafoam green
Contrary to “aqua” being in their name, Aquarius is a sign ruled by air. They’re best known for their imaginative and creative nature with an emphasis on strong mental focus and unapologetic pursuit of whatever quirky hobby catches their attention. Seafoam green pairs well with this sign because it evokes a dreamy and ethereal ambiance, which can inspire and further advance their creative thinking.
Pisces (Fish): February 19–March 20: Very Peri
Pisces, as a water sign, associates with the element of water. Periwinkle’s blue tones align well with this element, symbolizing flow, adaptability and emotional depth. The gentle and nurturing vibe of periwinkle can support their emotions while encouraging relaxation and destressing.
Your celestial chamber awaits
Your bedroom should be a reflection of your true self, a space that resonates with your soul and brings you comfort and joy. The beauty of embracing zodiac signs lies in the opportunity to connect with something greater than oneself and to incorporate elements that make you feel the most like you.
While these bedroom color ideas are great options, individual preferences vary, as zodiac signs cover a wide range of personality traits. Let the stars inspire you to find your most authentic self through apartment decor today!
Wesley is a Charlotte-based writer with a degree in Mass Communication from the University of South Carolina. Her background includes 6 years in non-profit communication and 4 years in editorial writing. She’s passionate about traveling, volunteering, cooking and drinking her morning iced coffee. When she’s not writing, you can find her relaxing with family or exploring Charlotte with her friends.
Floods are among the most common and devastating natural disasters, causing extensive damage to homes and properties. They are also extremely expensive to recover from – in 2022 alone, property damage from flood events in the US cost people and governments more than $13 billion. This amount will likely rise as people continue moving to flood-prone areas at a record rate.
If your home was recently flooded, it’s important to start the recovery as soon as the waters recede to avoid further damage to your home and belongings. So what do you do after a flood, and how do you protect your home in the future?
To help, we put together ten essential steps for homeowners so you can be better prepared. So whether you live in a house Tampa, FL, and are recovering from a flood, or an apartment in Wilmington, NC, and just want to learn more, read on for ten important flood safety tips.
1. Prioritize your safety
Safety comes first. Only return to your home once authorities say it’s safe, and use abundant caution. Avoid rushing into your home, as there could be hidden dangers. When you first enter, watch out for downed power lines, gas leaks, standing water, and structural damage. If your power isn’t already out, turn off the electricity if you suspect it’s not safe.
As you move through your home, it’s essential to wear protective gear, like rubber boots and gloves, to prevent injuries. You should also have a first aid kit at hand in case of minor injuries.
2. Assess water quality
Water contamination is extremely common during and after a flood. This is because floodwaters often carry a wide range of pollutants, including bacteria, chemicals, heavy metals, and sewage that can significantly contaminate a home or community’s drinking water supply. This contamination poses serious health risks, especially when used for drinking, cooking, or hygiene purposes.
To reduce risk after a flood, it’s essential to have your water tested to ensure its safety. Local health departments often offer testing services or can recommend a reliable lab. Until your water has been tested and deemed safe, use bottled water for drinking and cooking.
Importantly, if your home uses a private well and it was inundated by floodwater, it’s likely contaminated. You must have your well cleaned, disinfected, and tested by a professional before using the water again. The Environmental Protection Agency provides guidelines on how to disinfect wells after a flood
3. Look out for mold
Mold is a common and serious issue following floods. It can develop within 24 to 48 hours in damp, warm conditions, infesting walls, carpets, and furniture. Mold not only compromises the structural integrity of your home, but it can also pose significant health risks. These can range from allergic reactions and asthma attacks to more serious respiratory infections, especially in individuals with weakened immune systems.
Identifying mold can be tricky since it’s not always visible and it grows in hidden areas, such as behind walls or underneath floors. Common signs include a musty odor, discoloration on surfaces, and worsening allergy symptoms. If you spot or suspect mold growth, don’t attempt to handle it yourself, especially if it covers a large area. It’s best to call in a professional mold remediation company, as they have the appropriate equipment and expertise to remove mold safely and thoroughly, and can advise on preventing future mold growth.
4. Contact your insurance company
If you have a flood insurance policy, it’s crucial to contact your insurance company as soon as possible after a flood. They can guide you through the process of filing a claim. Be prepared to provide comprehensive documentation of the damage, which includes taking pictures and videos of the floodwater, damaged structures, and destroyed items. If you can, try to include water levels in your photos. This documentation helps expedite the claim process and helps ensure that you receive a fair settlement.
It’s important to understand that standard homeowners’ insurance policies typically do not cover flood damage. This is a common misunderstanding and can lead to unpleasant surprises in the event of a flood. Coverage for flood damage requires a separate flood insurance policy, often provided through the National Flood Insurance Program (NFIP), a program managed by the Federal Emergency Management Agency (FEMA).
5. Seek additional financial assistance
Dealing with the aftermath of a flood can be financially challenging, especially if your policy coverage falls short, or you don’t have one at all. If this is the case, you may qualify for assistance from federal, state, or local entities.
The Federal Emergency Management Agency (FEMA) provides the majority of assistance after declared disasters, including floods. This assistance can take many forms, including grants for temporary housing, home repairs, and low-interest loans to cover uninsured property losses. You may also qualify for assistance programs through the U.S. Small Business Administration (SBA), even as a homeowner or renter. The SBA provides low-interest disaster loans to help cover the cost of repairing or replacing damaged property.
Lastly, local charities, non-profit organizations, and community groups often offer free emergency aid in the aftermath of a flood. This could include distributing supplies, organizing volunteer cleanup crews, and offering temporary housing.
No matter your method, make sure to reach out for help proactively and promptly; there can often be application deadlines for disaster assistance programs, especially for major events
6. Thoroughly clean your home
Next, it’s time to begin cleaning up. This step is crucial as stagnant water can lead to mold growth, which poses serious health risks. Remove water-damaged items from your home and start drying out the property. Utilize fans, dehumidifiers, and heaters to speed up the process.
Cleaning up after a flood is a monumental task. You might consider hiring a professional restoration company that specializes in post-flood cleanups. They have the expertise and equipment to handle the situation effectively and safely.
7. Repair and renovate
Once everything is dry and clean, it’s time to repair and renovate your home as necessary. This process could range from replacing drywall and flooring to more extensive structural repairs, such as replacing your roof. Consider hiring a contractor who has experience in restoring homes after a flood.
You can take this opportunity to make your home more flood-resistant so you’re prepared for the future. Options include elevating utilities, waterproofing your basement, or even raising your home, depending on your budget and local building codes.
8. Be aware of scams
Unfortunately, disasters can bring out scammers who prey on vulnerable homeowners. Scammers can take many forms, including charity, government, and insurance impersonators. One of the most common types are home renovation contractors who come unsolicited offering repairs. They will often ask for a downpayment for work that they never end up completing.
To be safe, always verify the credentials of anyone you hire or divulge information to. You can also check with your local Better Business Bureau or your state’s licensing board to ensure you’re working with a legitimate professional. If you’re unsure, ask plenty of questions and contact local authorities.
Insurance adjusters and government officials will never ask for money, collect down payments, or charge a fee for their services.
9. Take care of your emotional health
Don’t neglect your emotional wellbeing in the wake of a flood. It’s normal to feel a variety of emotions, including sadness, frustration, and anxiety. If you feel like you need support, reach out to local community organizations or a mental health professional. Taking care of your emotional health will help you better navigate the recovery process and emerge stronger.
10. Prepare for the future
While you can’t control the weather, you can prepare for surprises. Even if you felt prepared for this flood, it’s essential to prepare for the next as soon as you can. Here are some important steps to take:
Review your insurance policies: Ensure you have appropriate coverage by revisiting your insurance policies. If you didn’t have coverage for this flood, you’ll want it for the next one.
Install a sump pump: Sump pumps are critical to help remove water from your basement or other depressed areas. Consider a battery-powered option in case of a power outage.
Create a flood readiness plan: This should include a clear evacuation plan detailing how and when to leave your home, the safest escape routes, and where to go.
Prepare an emergency kit: Even if you had plenty of supplies this time around, it’s important to keep it stocked for the next event. Your kit should be waterproof and include necessary items like food, water, medication, important documents (like insurance policies), a first-aid kit, hygiene supplies, clothes, cash, and anything else you might need if you must evacuate your home quickly.
Understand your flood risk: Many people don’t know if their property is more at risk of flooding. You can learn if your property is at risk using the flood factor tool, or by searching your property on Redfin.
What to do after a flood: final thoughts
Knowing what to do after a flood can be extremely challenging and daunting. You have to juggle various tasks, ranging from documenting damage and contacting insurance companies, to dealing with potential mold issues and seeking out financial assistance, all while dealing with emotional pain. However, with a systematic approach that includes safety, restoration, insurance, and preparing for the future, the road to recovery can become more manageable.
Recovering from a flood also provides an opportunity to rebuild stronger. This can include understanding and updating insurance policies, flood-proofing your home, creating a comprehensive readiness plan, and understanding your flood risk.
As the world continues to experience the effects of climate change, for many, these measures aren’t just optional but essential. By being proactive and informed, homeowners and renters can not only navigate the recovery from a flood but also better prepare themselves for future events.
This guide should not replace professional advice or guidance. Always seek help from certified professionals for issues related to structural integrity and safety, and follow all official guidance before, during, and after a major weather event.
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.
Nestled in the heart of Michigan, Grand Rapids has earned its reputation as a vibrant destination with many offerings. The city provides residents with a diverse array of attractions, including vibrant arts, renowned museums, flourishing craft beer, and outdoor recreation. Moving to Grand Rapids means immersing yourself in its rich history, exploring its iconic landmarks, and indulging in the distinct flavors that have put it on the map. So whether you’re searching for apartments in Grand Rapids or homes for sale, Redfin created this guide to get you started and embrace all that this exciting city has to offer.
What is Grand Rapids known for?
1. Affordable cost of living
Grand Rapids is known for its affordable housing costs, making it an attractive place for individuals and families seeking to stay within budget. The median sale price is $290,000, which is 13% lower than the national median. Even renting is affordable; the average rent for a two-bedroom apartment is $1,409, perfect for those wanting an apartment downtown.
The cost of living in Grand Rapids is generally lower than in many other major cities, allowing residents to enjoy a higher quality of life and more disposable income, while benefiting from the amenities and opportunities the city offers.
2. Amazing craft beer
The thriving beer scene is evident, earning its reputation as Beer City, USA. The city is home to numerous craft breweries and brewpubs, offering various flavorful and innovative beers, making it a must-visit destination for beer lovers.
“While more than 50 Grand Rapids breweries call the Beer City Ale Trail home, one of my favorites is Mitten Brewing Company,” says Piper, a travel blogger from Follow the Piper. “Housed in a former firehouse, this baseball-themed microbrewery offers beer flights, and you can also enjoy a pizza flight.”
Constance, a travel blogger from The Adventures of Panda Bear, shares, “Famous for its beers, Founders Brewing Company not only has an amazing Centennial IPA but also a delicious beer cheese dip served with baked crostini and tortilla chips. Hopcat has an extensive selection of beers with 49 taps and a 250-bottle list, so you’ll find something that strikes your fancy; don’t forget to grab their infamous Cosmik fries to go along with that beer. Grand Rapids is the perfect destination to get your foodie and brews on.”
3. Pet-friendly establishments
Grand Rapids is pet-friendly, with numerous parks and trails that welcome four-legged companions and provide designated off-leash areas. The city also hosts pet-friendly events like the annual “Bark in the Park.” It has several pet-friendly restaurants and accommodations, ensuring that pets can enjoy the city alongside their owners.
“You can take your four-legged friends to these patio-perfect places: Zivio, Tupelo Honey, Maru Sushi, Bobcat Bonnies, Linear, Atwater Brewery, and Garage Bar. If you want to let your dog have some social playtime, check out The Pack Indoor Dog Park, Restaurant, and Bar,” shares Sarah Marilyn from Grand Rapids Bucket List.
4. Renowned arts and culture
The city boasts a vibrant performing arts scene, with various theaters and venues that showcase diverse productions, including Broadway shows, ballet, opera, and symphony performances.
David Sparks, a local commercial photographer, shares, “Grand Rapids has all the amenities of a major city, yet has the space to breathe and get away at the same time. Regarding concert performances, venues like the Van Andel Arena, DeVos Performance Hall, and GLC Live at 20 Monroe host world-class touring artists. And if Grand Rapids isn’t hosting your favorite band, Chicago and Detroit have you covered, which are less than a 3-hour road trip away.”
5. Delicious cuisine
Grand Rapids offers a fantastic food scene with many dining options ranging from upscale restaurants to local eateries and food trucks. The city is known for its farm-to-table approach, diverse culinary offerings, and vibrant craft beer culture, making it a haven for food enthusiasts.
“You must try the rooftop at Hotel Mertens, says Kelly Braman, a lifestyle photographer. Order the oysters and champagne, and remember dessert: chocolate pot de crème. I also love the little cafes where you can grab, go, or sit. Take a peek at gourmet bread and pastries at Wealthy Street Bakery.”
Carla Ludwig from Hope for Single Moms, a faith-based non-profit moving single mom families from poverty to prosperity, shares, “Grand Rapids has been known as Beer City, USA. However, if you’re a foodie, Grand Rapids probably is ranked pretty high for the food. My husband and I are frequent visitors of Bowdie’s Chophouse.”
6. Furniture manufacturing
With a longstanding reputation as a hub for furniture manufacturing, Grand Rapids’ nickname is “Furniture City.” The city’s history in the industry dates back to the 19th century, when it became a center for fine furniture craftsmanship. Grand Rapids was home to numerous renowned furniture companies, producing high-quality and beautifully crafted pieces.
Although the industry has evolved and faced challenges over the years, the legacy of furniture manufacturing remains strong in the city, with some companies continuing to produce furniture while others have transitioned to different aspects of the industry, such as design, distribution, and retail.
7. Beautiful scenery
Nestled along the picturesque Grand River, the city offers scenic waterfront views. Grand Rapids is surrounded by lush green landscapes, parks, and nature trails that showcase the region’s natural splendor, providing ample opportunities for hiking, biking, and exploring the outdoors. From the serene Frederik Meijer Gardens and Sculpture Park to the tranquil beauty of Millennium Park, Grand Rapids offers a wealth of stunning scenery that showcases the harmony between urban development and the natural world.
8. Renowned museums
Its rich museum scene has made Grand Rapids renowned, providing diverse cultural and educational encounters. The city boasts notable institutions, like the Grand Rapids Art Museum, housing a remarkable assortment of contemporary and historical artworks. The Gerald R. Ford Presidential Museum offers a captivating insight into American history and politics connected to the 38th President. Additionally, the Grand Rapids Public Museum offers interactive exhibits exploring science, history, and culture.
9. Professional sports teams
Prepare to cheer on your favorite sports, as the city is home to many teams. You’ll find the Grand Rapids Griffins, an American Hockey League team known for its thrilling hockey games that draw in passionate fans. Furthermore, the Grand Rapids Drive, an NBA G League affiliated basketball team, showcases thrilling talent and supports emerging players. These professional sports teams contribute to the city’s lively sporting culture and offer thrilling entertainment for locals and visitors alike.
10. Grand River
Grand Rapids got its name from the Grand River, which flows through the city and holds a special place historically. The Grand River has recreational pursuits, such as kayaking, allowing nature lovers to engage with the outdoors. The scenic waterfront, adorned with parks, trails and trails offers residents peaceful spots to stroll and appreciate the beauty. Moreover, the Grand River sets the stage for year-round events and festivals, adding to the city’s vibrant cultural atmosphere.
If you’re a parent hoping to send your child to college someday, you’re probably well aware that higher education costs have skyrocketed over the past 10-plus years.
Tuition and fees for the 2022-2023 academic year averaged $10,940 at public colleges (for in-state residents), $28,240 at public colleges (for out-of-state residents), and a whopping $39,400 at private colleges. And the price tag for an undergraduate degree typically goes up every year. Any way you look at it, college is a huge expense for families.
The good news, however, is there are a number of ways to make college more affordable for parents, everything from tax-advantaged college savings accounts to merit- and need-based scholarships to federal student loans.
Smart Ways to Pay for College
What follows are four key strategies that can help you cover the cost of a child’s college education — without going broke.
1. Starting Early With a Savings Plan
There are a variety of accounts to help parents save for college. While you can simply put money aside each month (or year) in a regular savings account, there are advantages to using a savings vehicle that is specifically designed for college savings. Here are two to consider.
529 Savings Plans
A 529 savings plan is a tax-advantaged investment account designed to help save for future education expenses. Your contributions to the account are made with post-tax dollars but, as long as the money stays in the account, no income taxes will be due on earnings. When you take money out to pay for qualified education expenses, those withdrawals may be federal income tax-free — and, in many cases, free of state tax too.
While 529 plans used to be limited to higher education, the funds can now be used for kindergarten through grade 12, as well as certified apprenticeship programs and qualified student loan repayments.
💡 Quick Tip: You can fund your education with a low-rate, no-fee private student loan that covers all school-certified costs.
Coverdell Education Savings Account
Like a 529, a Coverdell Education Savings Account (ESA) is a tax-advantaged account designed to help save for a child’s future education expenses. Contributions are made on an after-tax basis, but earnings aren’t taxed. When you withdraw the money and use it for qualified education expenses, the investment profits are tax-free.
However, Coverdell accounts come with income and contribution caps. Contributions are capped at $2,000 per year, and you can only make them until your child turns 18. To open and contribute to a Coverdell ESA, your income must be below a certain limit ($110,000 for single filers; $220,000 for married couples).
Coverdell ESA funds must be withdrawn when the beneficiary turns 30, or rolled over to another eligible beneficiary in the family.
2. Looking for Ways to Get Free Money
When figuring out how to pay for your kid’s college, there are numerous resources available, including scholarships, grants, and other forms of financial aid. These sources of “free money” can provide significant assistance to students based on academic merit, extracurricular achievements, or financial need.
Your Free Application for Federal Student Aid (FAFSA) will automatically match you with any federal scholarships and grants you’re eligible for, but there are other types available. You can look for additional funding options on your own using a search engine like FinAid or SoFi’s Scholarship Search Tool.
You can also research various scholarships offered by corporations, foundations, and non-profit organizations related to your child’s interests and intended field of study.
In addition, your child also can check out the high school guidance department for any information, and you may want to make an appointment with a school counselor to get any tips that might help your search.
If your child has a college selected, funding information is usually available on that school’s website as well.
Recommended: How Do You Find Non-Academic Scholarships for College?
3. Considering an After-School Job
Encouraging your child to work part-time during high school or college can contribute to funding their education and teach valuable life skills. A part-time job provides them with their own income, reducing their dependence on student loans and parental contributions.
Many colleges offer work-study programs where students can work on campus or in community service roles while earning money for their education expenses. In addition, summer jobs or internships can be an excellent way for students to save for college during their break.
However, it’s important to strike a balance between work and academics to ensure that your child’s studies remain a top priority. You may need to help your child manage their time efficiently to avoid overworking themselves and compromising their academic performance.
A job won’t pay for everything, but it will pay for some things, and that could mean fewer costs to cover with savings or financing.
4. Researching Student Loan Options
With the high cost of getting a degree these days, you may not be able to avoid taking on at least some student loan debt. You and your child may want to take some time to research and understand all the student loan options out there — both federal and private — and how they work well-ahead of senior year.
The amount a student can borrow in federal loans will depend on their year in college, status as dependent or independent, and the type of loan or loans they take out.
Parents of dependent undergraduate students also can apply for Direct PLUS Loans to help pay for education expenses that aren’t covered by other federal financial aid.
Federal student loans usually have more benefits than loans from banks or other private lenders, so be sure to compare the benefits of each private student loan program, as well as the interest rates and terms.
For example, federal loans offer deferment and forbearance along with programs like Public Service Loan Forgiveness (PSLF) and income-driven repayment plans. Private lenders don’t usually offer such perks and protections. It’s generally recommended that students exhaust all federal loan options prior to borrowing private student loans.
While researching different options for private student loans, you may encounter different ways for you and your child to apply, such as taking on a private student loan yourself or acting as a cosigner for a private student loan.
There are, of course, pros and cons to both of those options, so it’s important to do your due diligence on the private lenders you may be considering. What benefits do they offer? What are their rates and terms? Is there any fine print?
If your child doesn’t qualify for enough federal student aid to cover the cost of attending college, private student loans may be a viable option to look into to close the gap.
💡 Quick Tip: Parents and sponsors with strong credit and income may find much lower rates on no-fee private parent student loans than federal parent PLUS loans. Federal PLUS loans also come with an origination fee.
The Takeaway
There’s no one-size-fits-all way to pay for college. Students and their families may end up using a blend of savings, scholarships, grants, work-study, and different types of student loans to finance their education. When looking at aid options, you may want to prioritize federal sources of aid before borrowing private student loans.
If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.
Cover up to 100% of school-certified costs including tuition, books, supplies, room and board, and transportation with a private student loan from SoFi.
SoFi Loan Products SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.
SoFi Private Student Loans Please borrow responsibly. SoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. You should exhaust all your federal student aid options before you consider any private loans, including ours. Read our FAQs.
SoFi Private Student Loans are subject to program terms and restrictions, and applicants must meet SoFi’s eligibility and underwriting requirements. See SoFi.com/eligibility-criteria for more information. To view payment examples, click here. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change.
External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.
Tax Information: This article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
[Note from editor: The “Mastermind Showcase” highlights companies and news from members of the GEM. Today’s showcase: RESO.]
The Real Estate Standards Organization (RESO) is a non-profit trade organization that champions open standards in the real estate industry, specifically with respect to data. Originally created in 1999 as a NAR work group responsible for the first version of RETS (Real Estate Transaction Standard), RESO was incorporated as an independent, non-profit in 2011 that has a wide range of initiatives:
Web API: A modern RETS alternative for MLS data transfers.
Data Dictionary: The Rosetta Stone for real estate data that allows systems to interact efficiently.
Universal Property Identifier (UPI): represents property data globally to reduce inconsistencies.
Unique Organization Identifier (UOI): A list of individual organizations used to accurately identify the original source data recipients can accurately identify the organizational source (publisher) of each piece of data in an aggregated database Pinpoints the organizational source for specific pieces of data to improve transparency and accuracy.
Unique Licensee Identifier (ULI): Helps properly identify practitioners to give customers more transparency.
Workgroups: used to create RESO’s standards.
Serving MLS’, brokerage and tech providers, RESO counts the National Association of Realtors, Zillow, eXp, Realtor.com, FBS, MoxiWorks, and W&R Studios among its members.
Represented in the GEM by: Sam DeBord & Joshua Darnell.
What we like: No one but RESO is incentivized to bring the entire industry together to standardize the messy decades-old process of making disparate real estate datasets speak to each other using a common language.