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From the lively streets of Nashville, to the historical significance of Memphis, where the legacy of Elvis Presley lives on, Tennessee’s unique attractions draw millions each year. But what else is Tennessee known for? Whether you’re considering renting a home in Knoxville, looking to settle into a charming apartment in Chattanooga, or just planning a visit, you’ll soon find that Tennessee has much more to offer than meets the eye. In this article, we’ll explore what makes Tennessee special and why so many are proud to call it home. Let’s jump in.

1. Nashville’s country music scene

Nashville is famously known as the “Music City.” The city stands as the epicenter of country music, home to the Grand Ole Opry, the longest-running radio broadcast in U.S. history. While here, be sure to visit Broadway to experience live music in legendary honky-tonk bars. Additionally, visit the Country Music Hall of Fame and Museum to see memorabilia from iconic artists like Johnny Cash and Dolly Parton. Nashville’s lively music scene continues to shape the genre, attracting aspiring musicians from around the world.

2. Great Smoky Mountains National Park

Great Smoky Mountains National Park is the most visited national park in the United States. The park offers breathtaking views, diverse wildlife, and over 800 miles of hiking trails. Visitors enjoy exploring scenic spots like Clingmans Dome and Cades Cove, a beautiful valley with historic homesteads. Also, the park contains a remarkable diversity of plant and animal life, including over 1,500 species of flowering plants and more than 200 species of birds. One of the best times to visit is in spring where wildflowers blanket the park, creating vibrant displays of color along the trails.

3. Hot chicken

Nashville hot chicken is a culinary delight that has gained national fame. This spicy fried chicken, served with pickles and white bread, remains a staple at local establishments like Prince’s Hot Chicken Shack and Hattie B’s. The dish is known for its fiery heat, which comes from a blend of spices added to the crispy coating. Furthermore, Nashville hot chicken festivals celebrate this iconic food, where people challenge their taste buds and enjoy Tennessee’s bold culinary scene.

4. Jack Daniel’s Distillery

The Jack Daniel’s Distillery in Lynchburg produces Jack Daniel’s whiskey, the top-selling American whiskey worldwide. Patrons can take guided tours of the distillery to learn about the whiskey-making process and the history of this iconic brand. The tour includes visiting the original cave spring, the source of the water used in the whiskey, and ends with a tasting session. As a result, the distillery attracts whiskey enthusiasts from around the world, making it a must-see destination in Tennessee.

5. Bristol Motor Speedway

Bristol Motor Speedway located in Bristol is a legendary venue in the world of NASCAR racing. Known as “The Last Great Colosseum,” this half-mile track is famous for its steep banking and fast-paced action. Because of this, the speedway hosts major races like the Food City 500 and the Bristol Night Race. The speedway can accommodate over 160,000 fans, creating an electrifying atmosphere. Events at Bristol are unforgettable for racing enthusiasts, offering thrilling experiences both on and off the track.

6. The birthplace of the blues

Memphis is celebrated as the birthplace of the blues, a genre that has deeply influenced American music. If you love the blues, be sure to check out Beale Street in downtown Memphis. This historic district is lined with blues clubs where live music fills the air every night. The city’s rich blues heritage is also commemorated at the Blues Hall of Fame, featuring memorabilia from legendary artists.

Fun facts Tennessee is famous for

  • Graceland: Memphis is home to Graceland, the famous mansion where Elvis Presley lived. It’s now a museum dedicated to the King of Rock ‘n’ Roll.
  • The world’s largest underground lake: Tennessee holds The Lost Sea, the largest underground lake in the United States.
  • Birthplace of Mountain Dew: This state is the birthplace of Mountain Dew. The popular soft drink was originally created in the 1940s in Knoxville by Barney and Ally Hartman, who were looking for a mixer for whiskey.

7. MoonPies

Tennessee proudly stands as the birthplace of the MoonPie. This beloved snack is made of marshmallow sandwiched between two graham crackers and coated in chocolate. Created in Chattanooga in 1917, MoonPies have become a staple of Southern cuisine. The Chattanooga Bakery still produces these treats, which are especially popular during Mardi Gras celebrations in Mobile, Alabama. Furthermore, the annual MoonPie Festival in Bell Buckle celebrates this iconic snack with games, music, and, of course, plenty of MoonPies.

8. The Tennessee River

The Tennessee River winds through the state and is a vital waterway that offers locals a plethora of recreational activities. Chattanooga, in particular, capitalizes on the river’s beauty with attractions like the Tennessee Aquarium, riverboat cruises, and the scenic Riverwalk. The river is a hotspot for fishing, boating, and kayaking, drawing outdoor enthusiasts year-round. Events like the annual Riverbend Festival celebrate the river’s significance, featuring music, food, and fireworks along its banks.

9. Dollywood

Named after country music star Dolly Parton, Dollywood is an iconic a theme park in Pigeon Forge. The park offers a blend of thrilling rides and live entertainment, set against the backdrop of the Smoky Mountains. Visitors can enjoy roller coasters, water slides, and musical shows that celebrate the culture of the region. Furthermore, Dollywood features seasonal festivals like the Smoky Mountain Christmas, making it a year-round destination for fans of Dolly Parton.

10. The Ryman Auditorium

The Ryman Auditorium, known as the “Mother Church of Country Music,” is a historic venue that has hosted countless legendary performances. Originally built as a tabernacle in 1892, the Ryman gained fame as the home of the Grand Ole Opry from 1943 to 1974. Today, it continues to host concerts by top artists across various genres, offering unparalleled acoustics for concert-goers.

11. Oak Ridge National Laboratory

Oak Ridge National Laboratory is one of the world’s premier research facilities. Established during World War II as part of the Manhattan Project, it has since become a leader in scientific innovation. The lab conducts cutting-edge research in areas such as nuclear energy, advanced materials, and environmental science. While visiting, you can learn about its history and contributions to science at the American Museum of Science and Energy in Oak Ridge.

Jenna is a Midwest native who enjoys writing about home improvement projects and local insights. When she’s not working, you can find her cooking, crocheting, or backpacking with her fiancé.

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Your home is your sanctuary, a reflection of your personality, preferences, and lifestyle. “Discovering your ideal interior design style is a personal journey that can significantly enhance your living environment,” shares Deziner Tonie of Decorating Den Interiors. “By understanding different styles, navigating trends wisely, and identifying timeless pieces, you can create a home that is not only beautiful but also uniquely yours. Let your preferences guide you, and don’t be afraid to mix and match elements to reflect your individuality.”

Whether you’re drawn to the cozy charm of a cottage-style apartment in Montauk, NY, the breezy vibes of a coastal décor house for rent in Portland, Maine, the classic elegance of a traditionally designed house in San Antonio, TX, or the clean lines of minimalism, finding the style that resonates with you is key to creating a space you’ll love. This Rent. guide will teach you how to find your decorating style through expert tips, suggestions, and recommendations.

Before diving into the discovery process, it’s helpful to familiarize yourself with some popular interior design styles:

  • Traditional: This style is timeless and elegant, featuring classic furniture, rich wood tones, and sophisticated textiles like silk and velvet. Traditional design often includes ornate details, such as crown molding, and a color palette of deep, warm hues. Furniture is often arranged symmetrically, creating a balanced and harmonious look.
  • Minimalism: Focused on simplicity and functionality, minimalism embraces clean lines, neutral color schemes, and a clutter-free environment. The mantra “less is more” is central to this style, with a focus on quality over quantity. Minimalist spaces often use a monochromatic palette and emphasize open, light-filled spaces.
  • Modern: Modern design is characterized by clean lines, sleek surfaces, and a neutral color palette with bold accent colors. It emphasizes function and avoids excessive ornamentation. Modern spaces often feature materials like glass, steel, and concrete, and furniture pieces that are both stylish and practical.
  • Industrial: Drawing inspiration from warehouses and urban lofts, industrial style features raw, unfinished elements like exposed brick, metal beams, and concrete floors. The color palette is typically neutral, with shades of gray, black, and brown. Furniture and décor often have a rugged, utilitarian feel, and vintage or repurposed items are common.
  • Bohemian: Also known as “boho,” this style is eclectic and free-spirited, characterized by a mix of colors, patterns, and textures. Bohemian spaces often include items from around the world, such as textiles, rugs, and furniture with a handmade or artisanal feel. Plants, macramé, and a variety of throw pillows and blankets add to the layered, cozy aesthetic.
  • Scandinavian: Originating from Nordic countries, Scandinavian design is known for its simplicity, functionality, and connection to nature. It features light, airy spaces with a predominantly white color palette, accented by natural materials like wood and leather. Clean lines, minimal ornamentation, and an emphasis on natural light are key aspects of this style.
  • Mid-century modern: This style, which originated in the mid-20th century, is characterized by clean lines, organic curves, and a focus on functionality. Furniture pieces often feature tapered legs and a mix of traditional and non-traditional materials. The color palette includes earthy tones and bold, saturated hues.
  • Modern Western: “Modern Western decor blends the rustic charm of traditional Western style with sleek, contemporary design elements,” Teri James with Teri James Photography shares. “This aesthetic often features natural materials like wood and leather, combined with more contemporary accents. Western wall decor, such as framed prints or canvas artworks of vast landscapes, horses, or cowboy-themed art, plays a crucial role in bringing the theme to life,” James shares. Key pieces might include a statement leather sofa, a reclaimed wood coffee table, and wall art inspired by the rugged people, animals, and landscapes of the West. By combining old and new, modern Western decor creates a warm, inviting space that feels both timeless and fresh.
  • Farmhouse: Farmhouse style combines rustic charm with modern comforts. It features distressed wood, shiplap walls, and vintage accessories. The color palette is often neutral, with whites, creams, and soft pastels. Chrissy Evancheck, with Countryside Home Decor, recommends decorating uniquely in this style. “Mix vintage with modern by blending rustic farmhouse pieces with contemporary decor for a cozy vibe,” Evancheck suggests. “Soften your decor with plush pillows and blankets in neutral tones. Have fun exploring and trying out these simple tips for adding a little farmhouse decor to your favorite spaces.”
  • Art Deco: Originating in the 1920s and ’30s, Art Deco is known for its bold geometric patterns, luxurious materials, and rich colors. This style often includes elements like mirrored surfaces, chrome accents, and exotic woods. Art Deco spaces are glamorous and sophisticated, with a strong sense of drama and opulence.
  • Eclectic: Eclectic style is all about mixing and matching different styles, periods, and influences to create a unique, personalized space. It allows for a high degree of creativity and self-expression, combining various colors, patterns, and textures in a harmonious way. The key is to balance diverse elements to avoid a chaotic look.

Understanding these popular interior design styles provides a foundation for discovering which elements resonate with you. As you explore, you’ll find that you might be drawn to a single style or prefer a combination of several, creating a space that truly reflects your individuality.

2. Reduce limitations by avoiding overthinking

“Consider your space style, which is influenced by location, culture, and lifestyle,” notes Dundee Deco. “Five styles to think about are rustic (farmhouse-inspired), French/European, Asian (including Japandi and minimalism), coastal (beach-inspired), and chic (feminine, usually amplified to glam). Choose what fits your lifestyle, mood, or personality.” Using this as a guideline, you can easily mix and match styles. “Combine your time and space styles to create unique blends like modern farmhouse or rustic vintage. Space styles can mix too, resulting in designs like coastal chic or Asian glam,” Dundee Deco suggests.

Starting with a blank canvas is a good place to begin if you’re overthinking what style suits you. “Create a neutral canvas, allowing you to explore bold colors, vintage finds, or minimalist touches – the choice is yours,” recommends Mouna Menebhi of The Boho Lab. “You can explore and personalize your space without sacrificing the environment, by ethically sourcing handmade furniture while adding character and story to your space.”

3. Don’t be afraid to mix styles

Discovering your design style with Katherine Mueller Design is all about embracing your uniqueness. “Katherine loves to mix styles because she believes every client is unique, and their spaces should reflect that individuality,” Bridget Caldaza with Katherine Mueller Design shares. “Start by identifying what you love — colors, patterns, textures — and how they make you feel. Experiment with different design elements to see what resonates with you and makes your space feel like home. Ultimately, your design style should be a reflection of who you are.”

Spouse-ly echoes this sentiment, encouraging following your preferences.”When it comes to discovering your design style, don’t limit yourself,” shares Spouse-ly. “Combine 2-3 traditional styles to create your own unique look. For example, have you heard of the style coastal luxe or transitional farmhouse? Probably not too often because they are inspired by different colors, decor,  and textures that make up their own vibe. Don’t forget to add pops of handmade decor to truly make your space one-of-a-kind.” Mixing and matching styles is a great way to expand your design horizons while determining what your preferences are.”

4. Reflect on your personality and preferences

Consider your lifestyle, interests, and daily routines. Are you someone who thrives in a structured environment, or do you prefer a more relaxed, carefree atmosphere? Do you enjoy being surrounded by keepsakes and mementos, or do you feel more at peace in a space free of excess items?

“Discovering your interior design style begins with exploring your preferences and inspirations. Start by collecting images, colors, and textures that catch your eye, creating a mood board for visual reference,” Dawn Bremer of The Bremer Team shares. “Pay attention to your lifestyle needs, ensuring the design is both functional and aesthetically pleasing. Experiment with different styles and elements in small areas of your home to see what resonates,” Bremer shares. Reflecting on these questions can help you identify the elements of a design style that align with your personality.

Alex Solonsky, Founder of Artificial Paintings recommends considering spaces that make you feel at home in your decorating process. “To find your design style, start by reflecting on your favorite spaces — be it a cozy cottage, a sleek modern loft, or a charming coastal retreat, Pay attention to what elements make you feel at home,” Solonsky recommends. “Don’t be afraid to incorporate unique pieces that tell your personal story. Trends come and go, but a space that resonates with your personality will always feel timeless,” Solonsky adds.

4. Explore inspiration

Gather inspiration from various sources to see what resonates with you. “In order to identify your interior design style, thoughtfully consider what you’re drawn to in movies, TV shows, and magazines — vintage or modern, eclectic or classic,” Connie Strazzeri, Digital Marketing Manager for Vogt, shares. “From Architectural Digest house tours to Nancy Meyers movies, aesthetic inspiration abounds online, and you can hone in on your specific taste by Pinteresting images that correspond with your source of inspiration.”

  • Magazines and books: Design magazines and books are treasure troves of ideas and visuals. Tear out or bookmark pages that catch your eye.
  • Online platforms: Websites like Pinterest, Instagram, and Houzz are excellent for discovering and saving design ideas. Create boards or collections of spaces that you love.
  • Moodboard: “To find your design style, start by creating a mood board with images, colors, and textures that you naturally gravitate towards,” Sandy with Home By Keira recommends. “Experiment with different styles by incorporating elements you love into your space and see what resonates with you and not ‘trends’. Trust your instincts — your personal style should reflect who you are and what makes you feel at home,” Sandy concludes.”Once you’ve created a mood board, it’s helpful to turn to the experts, like our in-house team at Vogt, to help you bring your vision to life,” Strazzeri recommends.
  • Showrooms and stores: Visiting furniture showrooms and home décor stores can give you a tangible sense of different styles. Pay attention to what draws you in and feels right.
  • Your closet: “Finding your unique decorating style is important so that you can create a home that reflects you. I like to recommend that you start by looking into your closet and taking note of what clothes and accessories you usually would wear,” suggests Rachel Beeman. “By doing this, you can get a good hint from your wearable style and translate that into what you might like in your home. For instance, love wearing bold and colorful? Then chances are you might love that style in your home as well.”

5. Identify timeless pieces

While trends can be fun to incorporate, timeless pieces form the foundation of a lasting interior design. “Rather than following trends, buy items you love and then find a place for them,” Pamela Wingard suggests. “Then use them, whether eating dinner on your wedding china or displaying your favorite collection on a bookshelf. Then donate items in your home that you don’t really love or pass them along to a family member (That’s probably how you got them anyway),” Wingard notes. “Curating what you already have will give you a fresh perspective on what you really like and help you determine your design style.”

Your style, your sanctuary

Discovering your interior design style is a rewarding process that allows you to create a space that truly feels like home. “Choosing your own interior style is all about experimenting until your home feels uniquely yours — a place where you can relax and thrive,” Teresa with Mindful Cements reminds us. “Go for elements that you gravitate towards and bring extra uniqueness to your space, such as geometric prints, furry rugs, or warm-cherry wooden furniture. Creating your own space should reflect your personality and lifestyle, so experiment with colors, textures, and scents until it feels just right,” Teresa concludes.

By exploring different styles, reflecting on your personality and preferences, and incorporating timeless pieces and personal touches, you can design a space that not only looks great but also feels uniquely yours. Happy decorating!

Wesley Masters works on Redfin’s stellar Content Marketing team as a content writing specialist. She has been with Rent. since 2023 and her previous experiences include non-profit communications, graphic design, and content creation. Wesley lives in Atlanta, GA, and loves outdoor walks, hanging out with her loved ones, and finding new recipes to try on Pinterest. Her ideal home is a brownstone with contemporary interiors.

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Are you looking for the best summer side hustles? There are plenty of ways to make extra money that can fit into your schedule and match your interests. Whether you prefer working outdoors or want to sell handmade crafts, there’s a summer side hustle for everyone. Picking the right one can help you enjoy the…

Are you looking for the best summer side hustles?

There are plenty of ways to make extra money that can fit into your schedule and match your interests.

Whether you prefer working outdoors or want to sell handmade crafts, there’s a summer side hustle for everyone. Picking the right one can help you enjoy the warm summer months and even develop new skills.

Summer side jobs are great because you can work when you want and make extra money while enjoying the summer. They can help you save more money, reach your money goals faster, and even let you try new things you’re interested in.

For me, I have always liked side hustling in the summer. The days are longer, so it feels like I have more time to work on projects!

Best Summer Side Hustles

Below are the best summer side hustles.

1. Blogging

Blogging is a great way to make extra money during the summer. It’s perfect if you enjoy writing and sharing your thoughts.

I actually started this blog as a summer side hustle. I was looking for a way to write in my free time, and it eventually turned into a way for me to make extra income. And, now it’s my full-time job!

You can make money from blogging in several ways. Affiliate marketing is popular. This means promoting products and earning a commission for any sales made through your links. Display ads are another way. These are ads that appear on your blog, and you earn money when visitors click on them.

Though it’s hard work in the beginning, blogging can become a source of semi-passive income. Once you have enough content and visitors, you might earn money even when you’re not actively working on your blog. This means you could enjoy your summer and still see your income grow.

I have free training that you can take – How To Start A Blog FREE Course. Want to see how I built a $5,000,000 blog? In this free course, I show you how to create a blog, from the technical side to earning your first income and attracting readers.

2. Online surveys

Taking online surveys is one of the easiest summer side hustles online. Many companies want to know what their customers think about their products and are willing to pay for your opinions.

The survey companies I recommend signing up for include:

  1. American Consumer Opinion
  2. Survey Junkie
  3. Prime Opinion
  4. Swagbucks
  5. Branded Surveys
  6. Five Surveys
  7. PrizeRebel
  8. InboxDollars

I’ve done lots of surveys over the years, and what I like about them is that you can do them whenever you want – in the morning, at lunchtime, or before bed. You don’t need to follow a strict schedule, and they’re really simple to complete. This makes them great for a summer side hustle too!

3. Dog walking and pet sitting

Dog walking and pet sitting can be a great way to earn some extra money during the summer. If you love animals and enjoy being outside, this is perfect for you.

Rover is one of the most popular platforms for dog walkers and pet sitters. It’s user-friendly and has a lot of pet owners looking for help. You can set your own rates and schedule, which allows you to work whenever it fits your lifestyle.

Dog walkers typically earn between $15 and $30 an hour. How much you make depends on the number of pets and the length of time. The demand is usually high, especially during summer when pet owners go on vacation.

4. Freelance writing

Freelance writing is a flexible and rewarding summer side hustle. As a freelance writer, you can work for magazines, blogs, websites, and companies. You get to choose who you work with and what you write about, so this is a side hustle that you can easily just do in the summer if that’s the schedule that you are looking for.

One great thing about freelance writing is that you can do it from anywhere. You can work from home, a coffee shop, or even while traveling. All you need is a computer and an internet connection, and this is another reason that makes it easy to fit writing into your summer plans.

The pay for freelance writing can vary a lot. Some writers earn around $50 for a short article, while others can make $1,000 or more for longer pieces. As you gain experience and improve your skills, you can start charging higher rates.

I have been a freelance writer for around 10 years and I think it’s a great side hustle to get into.

5. Virtual assistant

A virtual assistant (VA) is someone who helps business owners with tasks through the internet. This job is great if you want a flexible schedule and the ability to work from home. You can choose who you work for and even set your own hours.

Virtual assistants handle different tasks like managing social media, organizing emails, scheduling appointments, and data entry. The best part is that you don’t need to be in the same location as your clients.

You can start as a virtual assistant on websites like Upwork or Fiverr. These platforms have many job listings for beginners. Rates for VAs usually start at $15 to $20 per hour but can go higher with experience.

Plus, many people look for extra VA help specifically in the summer so that they can focus on other things, such as going on vacation or spending more time with their kids who may be out of school for the season.

6. Tutoring

Tutoring is a great side hustle for summer. With kids out of school, many parents look for tutors to help keep their children learning. You can teach subjects like math, science, English, or even a musical instrument.

Tutoring can be done both in person and online. Online tutoring is very flexible and allows you to work from home. You can choose your hours and offer lessons at times that fit your schedule.

You can use websites like Tutor.com and Wyzant to find tutoring jobs.

7. Handmade crafts selling

Selling handmade crafts can be a fun and profitable summer side hustle.

Platforms like Etsy help you reach buyers from all over the world. Summer craft fairs and festivals are also great places to sell your handmade goods.

Some things you can sell include:

Selling handmade crafts allows you to be creative and make some extra money. Whether online or at local events, there’s always a market for unique, handmade items.

8. Photography

You can get paid to take pictures, even if you just have a smartphone. There are many ways to turn your love of photography into extra income.

One way to make money is by selling your photos on stock photo websites. These sites, like Shutterstock, iStock, and Adobe Stock, let you upload your images and earn money each time someone downloads them.

Another option is taking event photos. Weddings, BBQs, and family reunions are always in need of photographers, and there are typically many events like these during the summer months.

Recommended reading: 18 Ways To Get Paid To Take Pictures

9. Rideshare driving

Rideshare driving can be a great way to make extra money during the summer. Many people use services like Uber and Lyft to get around their town or when they are on vacation.

You get to choose when you work so this means you can fit driving around your schedule. If you have free time in the evenings or weekends, you can make the most of it.

You don’t need any special skills to start. As long as you have a car and a phone, you are almost ready to go. The application process is usually quick too.

Driving in busy areas or during peak times can also help you earn more. Events, weekends, and holidays can be especially busy, meaning more rides and more money for you.

10. House sitting

House sitting is a great way to make extra money over the summer. People tend to go on vacation in the summer and need someone to watch their homes.

You might need to water plants, collect mail, and keep an eye on the house. Sometimes, taking care of pets is also part of the job. Look for house sitting gigs in your local community (you can start by posting in a local Facebook group advertising your service) or try online platforms.

Websites like Rover and TrustedHousesitters can also help you find house sitting jobs. These sites connect homeowners with reliable sitters.

11. Pet grooming

Pet grooming is a great way to earn extra money during the summer. Many pet owners look for convenient and affordable ways to keep their pets looking neat, especially in the summer when it can be so hot.

Mobile pet grooming is especially popular. You can visit pet owners at their homes, and this saves them a trip to the groomer’s and makes your service more attractive.

You can offer services like haircuts, baths, nail trimming, and ear cleaning. Many people are willing to pay well for these services. They love their pets and want them to look their best.

12. Coach

Coaching can be a great way to make extra money during the summer. Do you have a skill or talent that others want to learn?

Summer camps and local community centers sometimes look for temporary coaches. This could be a fun way to spend your summer, and you can make a good amount of money while doing it.

Sometimes, private coaching can be even more profitable. People are willing to pay more for one-on-one lessons. For example, you might charge $30 to $50 per hour.

You can also offer online coaching. This is great if you want to work from home. Websites like Zoom make it easy to connect with students anywhere.

13. Babysitting

Babysitting is a great way to earn some extra cash over the summer. With school out, many parents need help watching their kids. Babysitting is flexible, allowing you to choose your own hours.

To get started, you can talk to families in your neighborhood. Let them know you’re available and you can also post on local Facebook groups or use websites like UrbanSitter.

I do recommend taking a babysitting course, such as one that teaches important skills like first aid and CPR. Knowing these skills can help you feel more confident and assure parents that their kids are in good hands.

14. Deliver groceries

Delivering groceries is one of the best summer side hustles. With services like Instacart, you can shop for and deliver groceries to customers, and it’s easy to start.

You just need a phone and a reliable car. You pick up orders through the app, shop for items, and then deliver them to the customer’s door.

You can choose your own hours. This means you can work whenever you have free time, such as in the summer. It’s perfect if you have a busy schedule or if you want flexible work.

On average, you can make between $11 and $20 per hour. Your earnings depend on factors like order size and tips. The more orders you complete efficiently, the more you can earn.

15. Mow lawns

Mowing lawns is a great way to make money during the summer. Many people need help keeping their yards neat. This means there are plenty of opportunities for you.

You can start by telling your neighbors and friends about the yard work services that you provide. And, of course, you will need equipment like a reliable lawn mower and other necessary tools.

Mowing lawns is great because it can be flexible. You can set your own hours. This makes it easy to fit into your summer schedule.

During the hot months, many people will need regular lawn care. This means you might have steady work all summer long. It’s also a job that doesn’t require a lot of experience.

16. Rent your house

Renting your house can be a great way to earn extra money during the summer. If you have extra space or a vacation home, you can try listing it on rental platforms because many people look for short-term rentals for their vacations.

You can use popular sites like Airbnb or Vrbo to reach a wide audience.

Consider your availability and set clear rules for your guests. You might want to rent your whole house or just a room. Either way, hosting guests can be flexible around your schedule.

I know someone who rents out their house during the summer so that they can travel those months and have money to put toward their trips. Their place always sells out fast, even up to a year in advance! And then for the rest of the year, they live in their house. So, this is definitely something that can be done just in the summer months to make extra money.

17. Clean houses

Cleaning houses is a great summer side hustle. Many people want their homes to be spotless during this time of year. You can provide services like dusting, vacuuming, mopping, and kitchen cleaning.

You don’t need special training to start. Just basic cleaning supplies like brooms, mops, and cleaning products. You can also advertise your services in local community boards or online classifieds.

Sometimes, families prefer a deep clean during summer. This could include windows, carpets, and upholstery. You can charge by the hour or set a flat rate for the whole job.

Working as a house cleaner can be flexible. You set your own hours and can choose how many clients to take on. If you do a good job, you might get regular clients who hire you every summer.

18. Lifeguard

Being a lifeguard is one of the best summer side hustles. If you love being by the water, this job is perfect for you. You get to work at pools, beaches, or water parks.

To become a lifeguard, you need to get certified. This usually involves taking a class where you learn swimming skills and rescue techniques.

Lifeguards have important responsibilities and they have to watch over swimmers and make sure everyone is safe. They also need to be ready to help in case of an emergency.

19. Rent your car

Renting out your car can be a great way to make extra money during the summer if you have a car just sitting around.

There are platforms where you can list your car for rent, such as Turo. This can be especially useful if you’re going on vacation or don’t need your car for a little bit.

Some travelers prefer renting from private owners because it’s often cheaper and more convenient than traditional rental companies. For me, I enjoy renting cars on Turo because I can get the exact car I want, and usually the car is closer to where I need to pick it up, so I waste less time.

20. Have a garage sale

Having a garage sale is a great way to make extra money during the summer. You can sell items you no longer need, like clothes, toys, and old electronics.

Start by going through your home and gathering things you want to sell and cleaning them up if needed (this will help you to get more money).

Next, advertise your garage sale. You can do this by putting up signs around your neighborhood and posting on social media sites like Facebook.

One thing I have noticed more and more people doing is having a community yard sale as well – this is where you may have your friends, family, or neighbors join in on one big yard sale. So, if you don’t have a ton of things to sell, this may be one way to still have a garage sale, declutter, and make some money.

21. Sell stuff

Similar to having a garage sale, you can also try selling stuff online, which is a great way to make some extra money in the summer. Look around your house for items you don’t use anymore. This could be clothes, toys, or old gadgets.

One of the easiest ways to sell your things is through online marketplaces like eBay or Facebook Marketplace.

For years, I had a business where I flipped items for resale. It was an easy way to make extra money!

22. Sports referee

Being a sports referee is a great side hustle for summer. Most games happen in the evenings and on weekends, so it fits well around a regular job.

Youth sports leagues are always looking for referees. You can earn around $25 to $50 per game. Higher levels, like high school or college, pay even more. Some college games can pay up to $150 per game.

To become a referee, check with your local sports departments. You might need some basic training, but it usually isn’t too hard. It’s a fun way to earn extra money and enjoy sports at the same time.

If you know the rules well and enjoy being on the field, this could be the perfect summer side hustle for you.

Frequently Asked Questions

Summer is a great time to explore side hustles that can fit into your schedule. Here, we’ll answer some common questions people have about summer side hustles.

What’s a good summer side hustle?

A good summer side hustle can be anything from freelance writing, dog walking, or being a virtual assistant. Think about what you enjoy doing and what skills you have. Can you write well? Do you love pets? There’s likely a hustle that matches your interests.

How can I make money fast in summer?

There are many ways to make money fast in the summer, such as walking dogs, answering online surveys, selling handmade crafts, hosting a garage sale, babysitting, and renting out your house.

What are the best summer side hustles from home?

The best summer side hustle from home depends on you and what you want to do. For me, my best summer side hustle is definitely blogging, and some other ideas include proofreading, bookkeeping, answering online surveys, and online tutoring.

What are easy summer side hustles for teenagers?

Teenagers can try babysitting, pet sitting, or tutoring for summer side hustles. Babysitting is usually in demand during summer when parents need a break (because kids are out of school!). Pet sitting is a fun way to spend time with animals. Tutoring younger students who need a little extra help over the summer can also be rewarding and well-paid.

What are the best summer side hustles for teachers?

Teachers have skills that can be used in side hustles like tutoring, freelance writing, or creating and selling lesson plans online. You can see a full list at 33 Best Summer Jobs for Teachers To Make Extra Money.

What are the best summer side hustles for college students?

The summer months are typically when a lot of college students try to find ways to make extra money. It makes sense; you may not have classes during the summer, or at least a smaller course load. If this is you and you want to make extra money in the summer, some good ways to make extra cash include freelance writing, working as a virtual assistant, joining a focus group, tutoring, selling handmade crafts, rideshare driving, house sitting, delivering groceries, babysitting, and mowing lawns.

Best Ways To Make Money in the Summer

I hope you enjoyed this article on the best summer side hustles to make extra money.

There are many reasons for why you may be looking for a summer side hustle. Maybe you want to put money toward your summer vacations, perhaps you have some free time in your own schedule, maybe you’re looking for a part-time job just for the summer, or something else.

There are many ways to make extra money in the summer, from in-person side hustles like mowing lawns and having a garage sale, to online side hustles like blogging and proofreading.

What do you think are the best ways to make money in the summer?

Recommended reading:

Source: makingsenseofcents.com

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Martha Stewart Fires Back at ‘Harsh Judgment’ of Maine Home Decor | Us Weekly

Source: usmagazine.com

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From the architectural marvels of the Windy City to the historic charm of Springfield, Illinois is a state bursting with attractions. But what is Illinois known for? Whether you’re considering renting a home in Shelbyville, looking to settle into an apartment in Peoria, or just planning a visit, you’ll soon find that Illinois has much more to offer than meets the eye. In this article, we’ll dive into what makes Illinois truly special and why so many people are drawn to this dynamic state.

1. The Magnificent Mile

The Magnificent Mile in Chicago stands as one of Illinois’ most iconic landmarks. This bustling section of Michigan Avenue stretches for 13 blocks, offering a premier shopping experience with over 460 stores. Sightseers flock to see landmarks like the historic Water Tower and the John Hancock Center, which provides stunning views from its observation deck. Besides shopping, the area features upscale restaurants and world-class hotels, making it a memorable destination for anyone in the state.

2. Deep dish pizza

Illinois, particularly Chicago, is renowned for its delectable deep dish pizza. This pie features a thick, buttery crust filled with layers of cheese, chunky tomato sauce, and various toppings. Pizzerias like Giordano’s, Lou Malnati’s, and Pequod’s have become household names, drawing food enthusiasts from around the globe. Unlike other pizzas, this one is eaten with a fork and knife, making each bite a savory experience. Locals and visitors alike enjoy deep dish pizza, often considering it a must-try dish when in Illinois.

3. The Illinois State Fair

Held annually in Springfield, the Illinois State Fair is a highlight of the state’s cultural calendar. This event dates back to 1853 and celebrates Illinois’ agricultural heritage with livestock competitions, carnival rides, and food stalls. People gather to enjoy concerts by famous musicians, rodeo shows, and fireworks displays, making it a beloved tradition for many.

4. Abraham Lincoln’s legacy

Abraham Lincoln’s legacy is deeply rooted in Illinois, earning it the nickname “The Land of Lincoln.” In Springfield, you can explore the Lincoln Home National Historic Site where Lincoln lived before becoming the 16th President of the United States. Additionally, the Abraham Lincoln Presidential Library and Museum offers a comprehensive look at his life and presidency, featuring interactive exhibits and rare artifacts. While in this state, don’t miss the chance to learn about Lincoln’s significant contributions to American history and his lasting impact on the nation.

Fun facts Illinois is famous for

  • Home of the first skyscraper: Illinois is home to the world’s first skyscraper, the Home Insurance Building, which was built in Chicago in 1885.
  • First McDonald’s: The first McDonald’s restaurant was opened in Des Plaines in 1955 by Ray Kroc.
  • Largest inland system of rivers and waterways: Illinois has the largest inland system of rivers and waterways in the U.S. The Illinois Waterway connects the Great Lakes to the Mississippi River, facilitating significant commercial and recreational boat traffic.

5. Route 66

Route 66, famously known as the “Main Street of America,” starts in Chicago. This historic highway, which originally stretched from Chicago to Santa Monica, CA, played a crucial role in America’s transportation history. Travelers often begin their journey at the Route 66 starting point sign in downtown Chicago, then explore classic diners, retro motels, and quirky roadside attractions along the way. Landmarks like the Gemini Giant and the restored Pontiac Route 66 Hall of Fame and Museum offer nostalgic glimpses into the past.

6. Anderson Japanese Gardens

Anderson Japanese Gardens in Rockford is considered one of the finest Japanese gardens in North America. This 12-acre landscape features tranquil streams, koi-filled ponds, and meticulously maintained plants and trees. Visitors can enjoy peaceful strolls along winding pathways, visit traditional Japanese structures, and participate in cultural events like tea ceremonies and festivals. The gardens provide a serene escape from everyday life, offering a place for reflection and appreciation of Japanese horticultural artistry.

7. Navy Pier

Navy Pier on the Chicago shoreline of Lake Michigan is one of Illinois’ most visited attractions. This 3,300-foot-long pier features entertainment, dining, and cultural experiences for all ages. Visitors enjoy the iconic Centennial Wheel, which offers stunning views of the Chicago skyline and lakefront. The pier also hosts seasonal events such as the Chicago Air and Water Show and Winter WonderFest. With its theaters, museums, and numerous restaurants, Navy Pier is a bustling hub of activity, making it a top destination for both locals and tourists.

8. Lincoln Park Zoo

The Lincoln Park Zoo in Chicago is one of the oldest and most beloved zoos in the country. Opened in 1868, it offers free admission to visitors and features a wide variety of animals from around the world. The zoo’s highlights include the Kovlr Lion House, the Regenstein Center for African Apes, and the immersive Farm-in-the-Zoo experience. While visiting, be sure to enjoy the interactive exhibits and seasonal events, such as ZooLights during the winter holidays.

9. Garden of the Gods

Garden of the Gods, located in the Shawnee National Forest in southern Illinois, is a breathtaking natural wonder. This area is known for its stunning rock formations, sculpted by millions of years of erosion. People can hike the Observation Trail, which offers panoramic views of the towering cliffs and unique rock structures like Camel Rock and Devil’s Smokestack. Photographers and nature lovers flock to capture the dramatic scenery, especially during sunrise and sunset.

10. Starved Rock State Park

Starved Rock State Park is located along the Illinois River and is a natural wonder known for its stunning canyons and waterfalls. Outdoor enthusiasts visit the park to hike its 13 miles of trails, explore sandstone bluffs, and enjoy breathtaking views. The park is especially popular in the fall when the foliage transforms into a vibrant display of colors. Visitors can also partake in activities like fishing, boating, and camping.

11. Willis Tower Skydeck

The Willis Tower Skydeck offers breathtaking views from one of the tallest buildings in the Western Hemisphere. Visitors can take an elevator to the 103rd floor, where they step out onto The Ledge, a glass balcony extending four feet outside the building. This thrilling experience provides panoramic views of the city and beyond, reaching up to four states on a clear day. The Skydeck attracts millions of tourists each year, providing a unique perspective on Chicago’s stunning skyline and architectural beauty.

12. Frank Lloyd Wright’s Home and Studio

Frank Lloyd Wright’s Home and Studio in Oak Park is a must-visit for architecture enthusiasts. Wright is one of America’s most influential architects and lived and worked here from 1889 to 1909. The home and studio offer guided tours that showcase Wright’s innovative design concepts and personal life. Patrons can see where he developed his Prairie Style architecture, which emphasized horizontal lines and organic forms. This site provides a unique glimpse into the early work of a genius who reshaped modern architecture.

Jenna is a Midwest native who enjoys writing about home improvement projects and local insights. When she’s not working, you can find her cooking, crocheting, or backpacking with her fiancé.

Source: rent.com

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Socially responsible investing (SRI) strategies help investors put their capital into a range of securities — e.g., stocks, bonds, mutual funds — that focus on socially positive aims: e.g., clean energy, air and water; equitable employment practices, and more.

Despite market volatility driven by interest rate changes and geopolitical conflicts in recent years, SRI investing strategies have garnered steady interest from investors.

Various analyses of SRI funds suggest that the philosophy of doing well by doing some good in the world may have an upside worth exploring.

What Is Socially Responsible Investing?

While SRI investing goes by many names — including ESG investing (for environmental, social, and government factors), sustainable, or impact investing — the fundamental idea is to channel capital into entities that are working toward specific environmental and/or social policies in the U.S. and worldwide. The aim of SRI is to generate both positive changes across various industries, while also delivering returns.

Generally, investors that embrace SRI strategies find ways to assess an organization’s environmental and social impact when deciding whether to invest in them. However, there are important distinctions between the various labels in this sector of investing.

Socially responsible investing can be seen as more of an umbrella term (similar to impact investing). Within SRI, some strategies focus specifically on companies that meet certain criteria — either by supporting specific practices (e.g., green manufacturing, ethical shopping) or avoiding others (e.g., reducing reliance on fossil fuels).

For that reason it’s incumbent on each investor to assess different SRI options, to make sure they match their own aims. This is no different from the due diligence required for anyone starting to invest.

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Interest in SRI Investing Strategies

The tangible merits of socially responsible investing have always been subject to debate. But in the last couple of years there has been criticism of some of the underlying principles of SRI, as well as questions about the overall financial value of this investing approach.

Nonetheless, the value of global assets allocated to ETFs with an ESG focus have shown steady growth in the last two decades. As of November 2023, according to data from Statista, the value of these assets was $480 billion — a substantial increase since 2006, when the value of those assets was about $5 billion.

And according to a report published in 2023 by Morningstar, a fund rating and research firm, investors in conventional funds as well as SRI funds are likely to see returns over time.

Recommended: Beginner’s Guide to Sustainable Investing

SRI vs ESG vs Other Investing Strategies

While the various terms for SRI investing are often used interchangeably, it’s important for investors to understand some of the differences.

Impact Investing

Impact investing is perhaps the broadest term of all, in that it can refer to a range of priorities, goals, or values that investors may want to pursue. To some degree, impact investing implies that the investor has specific outcomes in mind: i.e. the growth of a certain sector, type of technology, or societal issue.

Impact investing may also refer to strategies that avoid certain companies, products, or practices. This could include so-called sin stocks (e.g. alcohol, tobacco), companies that adhere to principles that are in opposition to an investor’s or institution’s belief system, and more.

Socially Responsible Investing

SRI or socially conscious investing are two other broad labels, and they’re typically used to reflect progressive values of protecting the planet and natural resources, treating people equitably, and emphasizing corporate responsibility.

While SRI can be considered a type of impact investing, there may be impact investing strategies that are diametrically opposed to SRI, simply because they have different aims.

ESG Investing

Securities that embrace ESG principles, though, may be required to adhere to specific standards for protecting aspects of the environment (e.g. clean energy, water, and air); supporting social good (e.g. human rights, safe working conditions, equal opportunities); and corporate accountability (e.g. fighting corruption, balancing executive pay, and so on).

For example, some third-party organizations have helped create ESG metrics for companies and funds based on how well they adhere to various environmental, social, or governance factors.

Investors who believe in socially responsible investing may want to invest in stocks, bonds, or exchange-traded funds (ETFs) that meet ESG standards, and track ESG indexes.

Sustainable Investing

Sustainable investing is often used as a shorthand for securities that have a specific focus on protecting the environment. This term is sometimes used interchangeably with green investing, eco-friendly investing, or even ESG.

Unlike ESG — which is anchored in specific criteria having to do with a company’s actions regarding environmental, social, or governance issues — the phrase “sustainable investing” is considered an umbrella term. It’s not tied to specific criteria.

Corporate Social Responsibility (CSR)

Last, corporate social responsibility (CSR) refers to a general set of business practices that may positively impact society. Often, companies establish certain programs to support local or national issues, e.g. educational needs, ethical labor practices, workplace diversity, social justice initiatives, and more.

Ideally, CSR strategies work in tandem with traditional business objectives of hitting revenue and profit goals. But since CSR goals are specific to each company, they aren’t formally considered part of socially responsible, sustainable, or ESG investing.

A Focus on Results

Investors may want to bear in mind that, with the steady growth of this sector in the last 20 or 30 years, there are a number of ways SRI strategies can come together. For example, it’s possible to invest in sustainable pharmaceuticals and even green banks.

Either way, the underlying principle of these strategies is to make a profit by making a difference. By putting money into companies that embrace certain practices, investors can support organizations that embody principles they believe in, thereby potentially making a difference in the world, and perhaps seeing a financial upside as well.

Socially Responsible Investment Examples

These days, thousands of companies aim — or claim — to embrace ethical, social, environmental, or other standards, such as those put forth in the United Nations’ Principles of Responsible Investing, or the U.N.’s 17 Sustainable Development Goals. As a result, investors today can choose from a wide range of stocks, bonds, ETFs, and more that adhere to these criteria.

Understanding SRI Standards

In addition, there are also standards set out by financial institutions or other organizations which are used to evaluate different companies. It may be useful when selecting stocks that match your values to know the standards or metrics that have been used to verify a company’s ESG status.

Depending on your priorities, you could consider companies in the following sectors, or that embrace certain practices:

•   Clean energy technology and production

•   Supply chain upgrades

•   Clean air and water technology, products, systems, manufacturing

•   Sustainable agriculture

•   Racial and gender equality

•   Fair labor standards

•   Community outreach and support

Exploring Different Asset Classes

Investors can also trade stocks of companies that are certified B Corporations (B Corps), which meet a higher standard for environmental sustainability in their businesses, or hit other metrics around public transparency and social justice, for example. B Corps can be any company, from bakeries to funeral homes, and may or may not be publicly traded.

Companies issue green bonds to finance projects and business operations that specifically address environmental and climate concerns, such as energy-efficient power plants, upgrades to municipal water systems, and so on.

These bonds may come with tax incentives, making them a more attractive investment than traditional bonds.

Another option for investors who don’t want to pick individual SRI or ESG stocks is to consider mutual funds and exchange-traded funds (ETFs) that provide exposure to socially responsible companies and other investments.

There are a growing number of index funds that invest in a basket of sustainable stocks and bonds. These funds allow investors to diversify their holdings by investing in one security.

There are numerous indexes that investors use as benchmarks for the performance of socially responsible funds. Three of the most prominent socially responsible indexes include: the MSCI USA Extended ESG Focus Index; Nasdaq 100 ESG Index; S&P 500 ESG Index. (Remember, you cannot invest directly in an index, only in funds that track the index.)

Recommended: Portfolio Diversification: What It Is and Why It’s Important

The Growing Appeal of Socially Responsible Investments

While many investors find the idea of doing good or making an impact appealing, the question of profit has long been a point of debate within the industry. Do you sacrifice performance if you invest according to certain values?

Unfortunately, the lack of consistency in terms of what constitutes a sustainable or socially/environmentally responsible investment has made it difficult to compare SRI strategies to conventional ones. One financial company may use one set of criteria when developing its sustainable offerings; another company may use its own proprietary set of standards.

That said, as the universe of sustainable offerings continues to grow, it’s possible to create more apples-to-apples comparison sets. According to Morningstar data, sustainable equity funds saw median returns of 16.7% for 2023 versus 14.4% for traditional equity funds. The relative outperformance of SRI strategies was consistent across equity fund styles and most market caps, but particularly large-cap equities. Over 75% of SRI and conventional funds include large-cap equities.

In addition, sustainable fund assets under management (AUM) globally were up 15% over 2022, growing to $3.4 trillion.

The Evolution of Responsible Investing

Socially conscious investing is not a new concept: People have been tailoring their investment strategies for generations, for a number of reasons, not all of them related to sustainability. In fact, it’s possible to view the emergence of socially conscious investing in three phases.

Phase 1: Exclusionary Strategies

Exclusionary strategies tend to focus on what not to invest in. For example, those who embrace Muslim, Mormon, Quaker, and other religions, were (and sometimes still are) directed to avoid investing in companies that run counter to the values of that faith. This is sometimes called faith-based investing.

Similarly, throughout history there have been groups as well as individuals who have taken a stand against certain industries or establishments by refusing to invest in related companies. Non-violent groups have traditionally avoided investing in companies that produce weapons. Others have skirted so-called “sin stocks”: companies that are involved in alcohol, tobacco, sex, and other businesses.

On a more global scale, widespread divestment of investor funds from companies in South Africa helped to dismantle the system of racial apartheid in South Africa in the 1980s.

Phase 2: Proactive Investing

Just like exclusionary strategies, proactive strategies are values-led. But rather than taking an avoidant approach, here investors put their money into companies and causes that match their beliefs.

For example, one of the earliest sustainable mutual funds was launched in 1971 by Pax World; the founders wanted to take a stand against chemical weapons in the Vietnam war and encourage investors to support more environmentally friendly businesses.

This approach gained steady interest from investors, as financial companies launched a range of funds that focused on supporting certain sectors. So-called green investing helped to establish numerous companies that have built sustainable energy platforms, for example.

Phase 3: Investing With Impact

With the rise of digital technology in the last 30 years, two things became possible.

First, financial institutions were able to create screening tools and filters to help investors gauge which companies actually adhered to certain standards — whether ethical, environmental, or something else. Second, the ability to track real-time company behavior and outcomes helped establish greater transparency — and accountability — for financial institutions evaluating these companies for their SRI fund offerings.

By 2006, the United Nations launched the Principles for Responsible Investment (PRI), a set of global standards that helped create a worldwide understanding of Environmental, Social, and Governance strategies.

ESG became the shorthand for companies that focus on protecting various aspects of the environment (including clean energy, water, and air); supporting social good (including human rights, safe working conditions, equal opportunities); and fair corporate governance (e.g. fighting corruption, balancing executive pay, and so on).

Why Choose Socially Responsible Investing?

While the three phases of socially responsible investing did emerge more or less chronologically, all three types of strategies still exist in various forms today. But the growing emphasis on corporate accountability in terms of outcomes — requiring companies to do more than just green-washing their policies, products, and marketing materials — has shifted investors’ focus to the measurable impacts of these strategies.

Now the reasons to choose SRI strategies are growing.

Investors Can Have an Impact

The notion of values-led investing is that by putting your money into organizations that align with your beliefs, you can make a tangible difference in the world. The performance of many sustainable funds, as noted above, indicates that it’s possible to support the growth of specific companies or sectors (although growth always entails risk, and past performance is no guarantee of future results).

Socially Responsible Strategies May Be Profitable, Too

As discussed earlier, the question of whether SRI and ESG funds are as profitable as they are ethical has long been a point of debate. But that skepticism is ebbing now, with new performance metrics suggesting that sustainable funds are on par with conventional funds.

Socially Responsible Investing May Help Mitigate Risk

The criteria built into ESG investment standards may also help identify companies with poor governance practices, or those with exposure to environmental and social risks that could lead to financial losses.

Do Retirement Accounts Offer Socially Responsible Investments?

Generally speaking, individual retirement accounts may include socially responsible or ESG investment options. For example, when investing in different types of IRAs, e.g., a traditional, Roth, or SEP IRA, investors typically have access to all the securities offered by that financial institution, including stocks, bonds, and ETFs that may reflect ESG standards. The choice is up to individual investors.

That hasn’t always been the case with employer-sponsored 401k or 403b plans. But in 2023, the Department of Labor issued a rule allowing plan fiduciaries to consider ESG investment options for plan participants.

While some plans may now offer socially responsible or ESG investments, there is a push from some lawmakers to restrict or eliminate the availability of these funds. ERISA standards for retirement plans dictate that the investment options offered by employer-sponsored plans “must be based on risk return factors that the fiduciary prudently determines are material to investment value.” Some lawmakers argue that ESG funds are higher risk and not suitable for employees in company plans.

The Takeaway

Socially responsible investing is a broad term that can mean different things to different groups, but no matter which term you use — socially conscious investing, impact investing, ESG investing — it comes down to the compelling idea that by investing your money in organizations that match your values, you can make a difference in the world.

Ready to invest in your goals? It’s easy to get started when you open an investment account with SoFi Invest. You can invest in stocks, exchange-traded funds (ETFs), mutual funds, alternative funds, and more. SoFi doesn’t charge commissions, but other fees apply (full fee disclosure here).

Invest with as little as $5 with a SoFi Active Investing account.

FAQ

Is socially responsible investing profitable?

Socially responsible investing can be profitable, as multiple reviews of fund performance have shown over the last several years. That said, some believe that the financial strength of ESG or SRI strategies is debatable. While any investment strategy has its own risks, it’s best to assess them according to your own aims.

What is the difference between ESG investing and socially responsible investing?

Socially responsible investing is considered a broad term that can encompass a range of practices and standards. ESG investing stands for environmental, social, and governance factors, is a set of principles that is often used to assess how well companies meet specific, measurable criteria. While there is no single industry-wide metric for ESG standards, investors can consider various proprietary tools.

How many socially responsible investment opportunities are there?

It’s impossible to say how many SRI opportunities there are, as the stocks, bonds, and other securities that embrace ESG standards continue to grow. More than 120 new sustainable funds entered the SRI landscape in 2021, in addition to 26 existing funds that took on a sustainable mandate.

What is the socially responsible investment theory?

The theory behind socially responsible investing can be summed up by the old saying about “Doing well by doing good.” In other words, by investing in companies that support positive social and environmental products and policies, it’s possible to help investors realize a profit.

How do you start socially responsible investing?

Investors who are interested in SRI or ESG investing can begin by getting to know companies that adhere to certain eco-friendly or socially responsible standards. In addition, many financial institutions offer clients a way to screen for stocks or mutual funds that have an ESG focus.

Photo credit: iStock/luigi giordano

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Loan Trading, Bank Lending, Bank Statement, HELOC, ROV Products; Disaster and Catastrophe News

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1 Hour, 41 Min ago

“I saved a bunch of money on my car insurance by… switching to reverse and leaving the scene.” The word on the street is that Guaranteed Rate is changing its name to “Rate,” but of greater concern to lenders is insurance. Homeowner’s insurance costs are no joke, nor are insurance companies stopping business entirely in states and counties. If you have a current homeowner whose bill just went up by $500 per month, know that this is $500 a month that won’t be spent in the general economy buying meals, going to movies, going on vacation… Not only that, but LOs and AEs and capital markets staffs do their darndest to get the best rates for their clients, and saving $50 or $100 a month are a victory, only to have the deal blown out of the water by monthly insurance costs. Insurance, of course, is a state-level issue; certainly, the CFPB does not oversee it. Some state groups are doing something about it. For example, the California MBA would like to point to real-life examples of the consequences across California: Here is a link to a fillable form to enter any helpful information or examples.) Today’s podcast is found here and this week’s is sponsored by Candor. Candor’s authentic Expert System AI has powered more than 2 million flawless, hands off underwrites. Every credit risk decision Candor makes is backed by a warranty, eliminating repurchase worries. Hear an interview with Move Concierge’s Sajag Patel and Gabe Abshire on the home services set up industry.

Software, Products, and Services for Lenders and Brokers

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HELOC Borrowers can now PAYOFF DEBT TO QUALIFY and still close in as little as 1 day! NFTY and Homebridge Financial have deployed the “Debt Eliminator” enhancement to their EQUITY ACCESS Digital HELOC. Debt Eliminator allows borrowers to select which debts they to pay off as part of the user-friendly automated application process. With loan amounts up to $400k, Equity Access is designed for fast easy closings. Highlights include: instant income verification for most W-2 borrowers, automated analysis of bank statements to determine Income for both W-2 and Self-employed borrowers, AVMs up to $400k, and a banker or broker portal with robust functionality and real-time loan status. Minimum FICO 640 and CLTV up to 80 percent. The hybrid platform is digitally fast with a full staff of customer service professionals to solve real-life complexities and close more loans. Ultra-fast fee payout utilizing ACH. Correspondent white label and broker solutions are available with full branding capabilities to showcase your company/MLO. For more information, contact your Account Executive at REMN or Homebridge Wholesale, or email Joe Sheridan.

“LoanStream wants you to Make a Splash this Summer by closing more Non-QM Bank Statement loans. Join the upcoming webinar on Bank Statement & P&L! Plus, we’ll dive into the intricacies of calculating income to qualify borrowers! Register now. Don’t Miss Summer Specials! Includes Specials on Prime, Non-QM and Closed End Seconds now through 6/30/24. Includes 25 BPS Price Improvement on FHA/VA loans 620+ FICO (excludes DPA and CalHFA) and a 25 BPS Price Improvement on all Non-QM loans (excluding our ‘Select’ credit grade). Get another 25 BPS Price Improvement on Closed-End Seconds. Restrictions apply – contact your LoanStream AE to learn more. Specials valid for loans locked 6/1/2024 through 6/30/2024. Offers subject to change at any time, terms and conditions apply. Non-QM Specials also available through our Correspondent lending channel, Home – LoanStream Mortgage Correspondent (lscorrespondent.com) now through 6/30/24, contact your Regional Sales Executive for more information.”

“Webinar: Thriving in a new market: How banks are shifting their mortgage strategy to succeed. Join us for an exclusive webinar presented by Maxwell on Wednesday, June 26 at 12:00 p.m. CT. In this session, you’ll discover powerful tactics to leverage your mortgage platform that retain and increase consumer deposits, enhance transaction speed by aligning delivery channels with your customer segments, and bring cutting-edge technology to your customers and loan officers without lengthy, costly projects. Plus, you’ll learn how our variable cost model can help you generate profit on every loan you originate. Click here to save your seat today, and if you can’t make the live event, you can still register for the on-demand recording!”

Disaster Updates Continue

FEMA’s Disaster Declarations set the stage for servicers, lenders, and investors to change policies and procedures for loans in process or for existing borrowers in those areas. In the last week or two we’ve had Iowa (DR-4784-IA), Florida (DR-4794-FL), and New Mexico (DR-4795-NM).

Waters in the tropical portion of the Atlantic Ocean, around the Caribbean, are hotter than they have been for any other late May on record. The area is averaging around 84.7 degrees Fahrenheit, a temperature the waters usually don’t hit until August and September after a summer of warming up. This is bad for a lot of reasons, including the future of coral reefs, which are already experiencing a fourth global bleaching event this year, according to NOAA. The previous record-breaking May for sea temperatures in the area was in 2005, a notorious year that brought one of the most destructive and active hurricane seasons ever for the U.S.

The USDA recently released a new plant hardiness zone map as much of the country has, on average, gotten warmer. The new 30-year minimum temperature average was 2.7 degrees Fahrenheit warmer than the previous average. The map classifies the U.S. into zones based on an area’s average annual minimum temperature and is most useful for knowing which perennial outdoor plants will possibly not die in your area if you keep them outside. You can and will still kill your plants even if you plant according to the map, since it does not factor in how wet, dry, or volatile your area’s climate is. It also won’t tell you if your plants can actually survive the extreme heat of summer.

On 6/14/2024, with Amendment No. 1 to DR-4784, FEMA revised the Incident Period End Date to May 31, 2024, for Iowa counties affected by severe storms, tornadoes, and flooding from 5/20/2024 to 5/31/2024. See AmeriHome Mortgage disaster announcement 20240614-CL for inspection requirements.

On 6/17/2024, with DR-4794, FEMA declared federal disaster aid with individual assistance to Florida county, Leon. See AmeriHome Mortgage disaster announcement 20240616-CL for inspection requirements.

With DR-4795, FEMA declared federal disaster aid with individual assistance to New Mexico’s Lincoln County affected by the South Fork Fire and Salt Fire from 6/17/2024 and continuing. See AmeriHome Mortgage disaster announcement 20240618-CL for inspection requirements.

Capital Markets

“In 2016, MAXEX changed the face of the secondary market with the establishment of the industry’s first digital mortgage exchange and clearinghouse. More than $36 billion in loan trades later through our unique marketplace, we’re giving our 350+ sellers even more unprecedented liquidity across the non-agency and conforming markets. Coming mid-July, MAXEX sellers will be given exclusive access, only through MAXEX, to a major buyer of Conforming investment and non-owner-occupied loans. MAXEX allows sellers to avoid punitive LLPAs on NOO, second-home and high-balance loans via best efforts or mandatory flow, bulk and forward trading. With MAXEX, sellers sign a single standardized contract, face a single counterparty and have turnkey access to over 30 of the market’s leading buyers. Contact us today to learn how you can gain access.”

Last week’s economic releases didn’t pack the same market moving punch as data released earlier in June but did point to a gradual softening in certain areas. Retail sales moderated in May to 0.1 percent, lower than market expectations of a 0.2 percent increase. Additionally, the prior month’s data was revised lower. A frugal U.S. consumer is a helpful development for the Federal Reserve. Consumers kept spending through the pandemic but are now pinching pennies. Industrial production rose more than market expectations and was driven by a surge in manufacturing output; however, the interest rate environment and credit conditions remain restrictive. Housing continues to struggle as housing starts fell to their lowest annualized pace in four years in May. Both housing starts and building permits were expected to be higher in May, continuing their recovery after a big dip in the spring months. Builder confidence fell to its lowest reading since mortgage rates peaked in December.

Speaking of the tight housing market, we all know that high mortgage rates are keeping people from giving up mortgages they secured before or during the early days of the pandemic. Existing-home sales slipped 0.7 percent in May, as expected, to a seasonally adjusted annual rate of 4.11 million. Sales descended 2.8 percent from one year ago. However, the median existing-home sales price jumped 5.8 percent from May 2023 to $419,300, the highest price ever recorded and the eleventh consecutive month of year-over-year price gains.

The inventory of unsold existing homes grew 6.7 percent from the previous month to 1.28 million at the end of May, or the equivalent of 3.7 months’ supply at the current monthly sales pace versus 3.5 months’ supply in April and 3.1 months from a year ago. The market is not likely to see any meaningful relief in both supply and affordability until mortgage rates subside.

Inflation will take the spotlight in this final week of June, with market participants looking ahead to Friday’s U.S. personal income and outlays data for May. That report contains a reading on the core personal consumption expenditures (PCE) price index, which is widely seen as the Federal Reserve’s preferred inflation gauge. Economists expect core PCE to rise 0.1 percent month-over-month and 2.6 percent year-over-year, marking a deceleration on both counts from April. The bulk of the week’s economic releases are tomorrow (Philly Fed services for June, House Price Indices for April, consumer confidence for June, Richmond Fed manufacturing & services for June, and Dallas Fed services for June), though other highlights this week include new home sales for May, advance economic indicators for May, durable goods for May, final Q1 GDP, Chicago PMI for June, final June consumer sentiment, and the aforementioned core PCE price deflator for May. There is also the $183 billion mini-Refunding consisting of $69 billion 2-year notes on Tuesday, $70 billion 3-year notes on Wednesday, and $44 billion 7-year notes on Thursday.

This week has a quiet start today, with the sole economic release due out later this morning being Dallas Fed manufacturing for June. Markets will also receive Fed remarks from San Francisco President Daly and Governor Waller. We begin the week with Agency MBS prices unchanged from Friday’s close, the 10-year yielding 4.26 after closing Friday at 4.26 percent, and the 2-year at 4.74.

Employment

loanDepot continues to demonstrate its commitment to growth with another key retail leadership hire in Justin Andrews, a 25-year veteran of home finance who most recently served as National Director of Branch Partnerships at another top IMB. Andrews is an Area Sales Manager who will focus on driving continued market share growth in and around Seattle. He was inspired by the company’s continued investments in its platform, saying “loanDepot has best-in-class systems that make life easier, faster and smoother for both the originator and the customer. That level of efficiency means I have more time to support our team and develop our people.” This is the third win for loanDepot in recent months, coming on the heels of two other significant additions: Jeff Wilkish as RVP for New England and David Rossiello as Area Sales Manager in the mid-Atlantic. Sales leaders who are interested in learning more can reach out to Shane Stanton.

Congratulations to Radian’s Shelly Schwieso-Kramarczuk who, after 35 years in the biz, announced her retirement slated for the end of the month. “Wow, the changes we have seen. Costs just continue to rise to produce a loan, even with all the tech, AI, BOTs etc. I can’t wait to watch the future of mortgage banking. There is so much more to come! It’s been the people along the way that have made the difference. We have so many passionate professionals in our industry who truly care about the borrower, their journey, and moving the puck forward with technology and improving the customer experience. I have been fortunate to have spent my last 6+ years at Radian: Steady through the storm of late!”

(Remember: job seekers can post their resumes for free on www.lendernews.com where employers can view them for several months for a nominal charge.)

 Download our mobile app to get alerts for Rob Chrisman’s Commentary.

Source: mortgagenewsdaily.com

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In the world of interior design, earthy colors have long been celebrated for their ability to create spaces that feel warm, grounded, and inviting. Inspired by the hues found in nature, such as rich browns, warm beiges, and lush greens, earthy color palettes can transform your home into a tranquil retreat. So whether you’re looking at homes for sale in Fort Worth, TX, already renting a home in Dallas, TX, or looking for your first apartment in Denver, CO, this guide explores various earth-tone décor ideas to help you infuse natural beauty into your living spaces.

Disclaimer: For those living in rental properties or apartments, please ensure that any significant changes to your living space are approved by your landlord and do not violate your lease agreement. Always check with your property management before making alterations to avoid any potential issues.

Understanding Earthy Colors

Earthy colors are derived from natural elements such as soil, stones, trees, and plants. These hues include:

  • Browns: From deep chocolate to light taupe, browns are versatile and can add depth and coziness.
  • Greens: Olive, sage, and moss greens bring a refreshing and calming presence.
  • Beiges and tans: Neutral and understated, these shades serve as perfect backdrops.
  • Terracotta and rust: These warm, reddish-brown hues evoke the essence of sunbaked clay and add a vibrant touch.
  • Grays: Soft grays mimic the look of stone and rock, providing a cool, balanced counterpoint to warmer tones.

“When working with color, the goal is always to find balance and harmony,” Kerry, personal color harmony expert with Indigo Tones, shares. “Earth tones tend to be muted and an overall harmonious look would be achieved in using them by avoiding pops of color and keeping the contrast low. It’s best to use soft or weathered textured fabrics mixed in the same color family and in a middle range between dark and light.”

Earthy color décor ideas around the home

Earthy décor ideas revolve around tones and textures that emulate the natural world, bringing a sense of the outdoors inside your home. “Look to the creatures or places that move you to inspire your design,” Lynne Niehaus recommends. “Ask yourself how it makes you feel.”

Using all five senses, analyze every color and detail then bring them into your space on a larger scale,” Niehaus shares. “Whether it’s the velvety smoothness of a petal of a favorite flower, the crisp contrast striping of a hawk’s tail, or the granular, purply-brown intrigue and sparkle of the wet sand as the water retreats to the sea; these sensory details replicate the harmony that nature provides.”

1. Embrace raw materials

“Introduce reclaimed wood furniture pieces to add character and history to your interiors,” Raihana Fardous with Interior Harbor recommends. “The imperfections and unique grains of reclaimed wood tell a story and connect your space to nature.” Complement these with chocolate-brown textiles and beige accents for a sophisticated and comforting look.

“Other raw materials like jute or sisal make for great rugs to ground the space, offering both texture and warmth. Pair these with woven baskets for storage, which add a touch of rustic charm and practicality,” Fardous continues.

2. Layer tones and textures.

“Earth tones don’t have to be boring and drab. The key to nailing a statement-making earth-tone look in your home design is introducing pops of color, texture, and nature,” Aisha Beau Johnson explains. “While camel, brown, or beige may be the base colors for furniture, you can capture the eye by including bold neutrals like terracotta, dusty pink, French blue, or Bordeaux to the other elements of the room. Knitted or waffle textured throws also add more warmth and contrast, while utilizing plants to bring in nature can add to the serenity of the space.” This layering effect adds visual interest and creates a harmonious, serene atmosphere.

Gracie Friedman seconds this sentiment, adding that earthy touches can create a standout space. “As a lover of neutrals in bright and airy spaces, I like layering and mixing in earthy decor to anchor the space. Adding natural wood elements, rustic vases, rich browns, greens, grays, and faux greenery such as olive tree branches or eucalyptus to space are simple ways to make a room feel earthy and organic. Keeping the “big stuff” (like furniture) more neutral allows you to easily swap different earthy elements like pillows, vases, and throw blankets.”

3. Add greenery

As Friedman mentioned above, incorporating green through accent pieces such as throw pillows, rugs, or artwork is a great way to work in earth-like tones and textures. Sage green armchairs, olive-hued vases, or potted plants can inject a sense of nature, making any room feel more alive and vibrant. Greenery not only adds color but also enhances the organic feel of the space.

If you don’t have much of a green thumb, lean into green shades. “If you, like me, can’t for the life of you maintain a houseplant for more than a few days, I suggest opting for earthy tones in your home to bring in some natural vibes,” shares Teresa Maria. “I’ve recently discovered kitchens with sage green used either on walls or the cupboards. Any shade of darker green is so pleasing to the eye and brings a sense of calm to any space.”

4. Introduce terracotta accents

Terracotta elements, such as tiles, pots, and décor items, bring warmth and a touch of rustic charm. Use them to add a Mediterranean flair to your home. Pair terracotta with wooden furniture and open shelving to display ceramics or decorative items, creating a cozy and inviting atmosphere.

5. Feature natural stone or clay

A backsplash or an accent wall made from natural stone, like slate, limestone, or travertine, can become a focal point in your space. These materials add texture and depth, anchoring the room and creating a grounded, earthy feel.

Atulya K Bingham, author of Mud Ball, Dirt Witch and more, recommends utilizing clay. “Clay plastering interiors completely transforms the atmosphere of a dwelling, both literally and figuratively,” Bingham shares. “Using local mud to create gorgeous interior renders is my go-to method for bringing nature right into my home and onto my walls. The result is walls that are warmer to touch, softer to look at, completely non-toxic, and a talking point to boot.”

6. Use cozy textiles

Incorporate earthy colors through bedding and textiles. A duvet cover in a warm beige or soft taupe, paired with pillows and throws in complementary shades, creates a restful and inviting atmosphere. Choose natural fabrics like linen, cotton, and wool for added comfort and warmth.

7. Maintain an earth-inspired palette

Stepping away from a cool-toned palette is recommended by Jessica McBride with Plank & Tile. “When it comes to the widely popular “earthy” aesthetic, there are numerous ways in which one can embody the essence of the outdoors within their home,” McBride notes. “Stepping away from a cool-toned color palette, and instead, incorporating accents of greens, muted browns, and orange tones through plants, rugs, pillows, wallpaper, and art is a great place to start. Additionally, to further elevate this theme, we love the look of mixed textures like rugged leather, wood, and stone.”

“When choosing an earthy color palette for your interior space, draw inspiration from a favorite vacation destination or setting,” Rose Benedict with Rose Benedict Design suggests for those unsure where to start. “With this approach, your color choices will feel even more personal, and as a bonus, your vacation photos will blend in beautifully. For example, if you’re in love with the warmth of the desert, then an array of tans, clays, and terracotta accents would be perfect for you.”

8. Incorporate natural scents

Enhance the earthy atmosphere by adding natural scents through essential oils or diffusers with fragrances like eucalyptus, lavender, or cedarwood. These scents not only refresh your home but also create a calming and inviting environment.

Your earthy sanctuary awaits

By embracing earthy color décor, you can create a home that feels grounded, welcoming, and in harmony with the natural world. Whether you’re redecorating a single room or your entire home, these ideas will help you bring the beauty and serenity of nature indoors.

Source: rent.com

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For Dinner Parties

Our Place

Now 19% Off

At Our Place, co-founder Shiza Shahid’s mission is to make sure everyone has a seat at the table, especially at mealtime. The brand honors those of multicultural backgrounds with cookware and utensils that bring heirloom recipes to life at the table. This ceramic set will help you do just that, with essentials like serving platters and bowls and mini bowls for sauces and sides.

For Lighting

Afternoon Light

Now 10% Off

Before launching Afternoon Light, Deirdre Maloney and Minya Quirk worked as business partners for nearly two decades in fashion. They turned to home decor as a way to streamline shopping for “hard-to-find great stuff.” You can find items like this Knit-Wit High Floor Lamp by Iskos Berlin, which is featured in their Made by Hand series.

For Joanna Gaines Fans

Magnolia

Now 20% Off

Joanna Gaines fans need no introduction to Magnolia. The co-founder, alongside her husband Chip Gaines, created the brand over 20 years ago as a mantra that symbolizes home as their favorite place to be. Today, she curates the likes of furniture, rugs, art, and decor in their collection to help accent every area of your house. The intricate, gilded gold design on this mirror will add an elegant touch to your interiors.

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For Bucolic Style Lovers

Sweet July

Now 40% Off

For Ayesha Curry, the month of July holds a special place in her heart, so she named her home and lifestyle company Sweet July. (She was married on July 2011 and had her children on the same month in the years following!) Available in stunning earth tones, these linen throw pillows offer subtle rustic appeal so take your pick while shopping them.

For a Coastal Aesthetic

Serena & Lily

Now 20% Off

Founded two decades ago by textile designer Serena Dugan and former tech company executive Lily Kanter, Serena & Lily was born out of their desire to build home with character. Within the company’s collection, you’ll find nods to California style (aka: coastal and casual home design), like this seaside-inspired outdoor bistro set.

For Art Lovers

54kibo

Now 10% Off

Founder Nana Quagraine is a native of Ghana and South Africa, and she channels both locales through her love of design. After noticing the lack of access to African design on a global scale, she launched the 54kibo marketplace with a mission to spread the creativity of Africa and its diaspora to the world. This adjustable wall mirror is inspired by a traditional Ndebele necklace.

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For Self-Care

Parachute Home

Parachute Home founder Ariel Kaye saw a hole in the market for quality and accessible bedding. Using her advertising and brand development career expertise, Kaye launched her own ethical, direct-to-consumer company with that exact ethos in mind. Also known for its loungewear, the brand’s best-selling robe is made with 100 percent long-staple Turkish cotton for a soft, relaxed fit.

For Minimalists

Johanna Howard x Burrow

Johanna Howard has been designing ever since she watched her mom create handmade dresses at her atelier while growing up in Sweden. After fine-tuning her creative eye in her career, Howard began creating home decor pieces inspired by Scandinavian design. In partnership with Burrow, Howard designed this classic ottoman tray with a lip to seamlessly keep decor, charcuterie, or anything else organized.

For Vibrant Accessories

Brother Vellies

Now 35% Off

Brother Vellies founder Aurora James is also the founder of the 15 Percent Pledge, a nonprofit that calls on big-name retailers to allocate 15 percent of their shelf space to Black-owned businesses. Her luxury home and fashion brand include handmade goodies like this statement checkerboard dish you’ll want to keep on display.

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For Plant Parents

Palette Pots

Now 37% Off

Latrice Thompson’s mission is simple: To make the plant industry more sustainable and colorful with her Palette Pots brand. Inspired by a coffee mug, this functional planter has a beautiful glossy finish and a drainage hole for small plants.

For Green Thumbs

The Sill

Eliza Blank founded The Sill back in 2012 after combining her love of gardening from her family’s Filipino roots with the need to refresh her own apartment. While the brand has a wide offering of healthy plants to shop, they also sell creative decor for greenery. The Landscape Growframe doubles as art and a planter with its sleek, mountable design and built-in grow lights.

For Abstract Pieces

Vivee Home

Vivee Home co-founders Katya Warm and Meryl Ware create fine and modern art-driven home decor that’s both stunning and sustainable. They utilized their backgrounds in art and marketing to launch the brand and channel their joy for life (vivee translates “to live”) in their collections. Plus, five percent of Vivee Home’s profits go to The Art Therapy Project.

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For Stylish Pet Parents

Approved by Fritz

After adopting her dog, Fritz, in 2021, Danielle Heeren combined her love for canines and design to launch a dog- and planet-friendly lifestyle brand. Her Approved by Fritz collection includes sustainable, modern home goods that can seamlessly fit in your space, like this fully recycled dog bed.

For Luxurious Lounging

Yellow Leaf Hammocks

Now 20% Off

Yellow Leaf Hammocks’s co-founder Rachel Connors pitched her brand alongside husband Joe Demin on Shark Tank in 2020. With their million-dollar deal, they launched the brand with the help of craftswomen of the Mlabri Tribe in Northern Thailand, also known as “the people of the yellow leaves.” The co-founders’ Hammock Throne is one of the most luxurious hammocks you can buy, thanks to its 360-degree swivel design and “extremely comfortable” and “customizable” qualities.

For Harlem Residents

Harlem Candle Company

Teri Johnson founded her candle brand, the Harlem Candle Company, to pay homage to the Harlem Renaissance and the iconic figures of the ’20s and ’30s who defined the era. This iteration is inspired by entertainer Josephine Baker, also known as the bronze goddess of the Harlem Renaissance, with its sensual blend of rose, jasmine, warm amber, tonka bean, and sandalwood notes.

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For Modern Furniture

Lulu and Georgia

For founder Sara Sugarman, home decor has always been a family business, thanks to loved ones who worked in hotel, residence, and interior design industries. When building Lulu and Georgia, she kept community and family in the brand’s DNA, even down to naming her company after her grandfather, Lou, and her father, George. This Harlowe swivel chair’s sculpted arm rests give it a modern, cozy feel designed for a corner nook or family room.

For Tea Lovers

The Qi

Translating to “life energy,” Lisa Li’s brand The Qi is rooted in providing energy to all its customers via sensory-based teas. In addition to offering flowering herbs, which helped the founder recover from work burnout, her collection includes heat-resistant glass cups and saucers to help you see your beverage in full bloom.

For Backyard Barbecues

Crow Canyon Home

Founded in 1977 and owned by Cara Barde, Crow Canyon Home is known as an originator of splatter enamelware. The brand offers kitchenware like this durable tray that’s safe to use on the stovetop, grill, and in the oven.

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For Cocktail Parties

Material

Material CEO Eunice Byun and co-founder David Nguyen create stylish and functional kitchen tools like prepware and cookware to help unite people over cooking and sharing a meal. She partnered with Death & Co. to create this cool pitcher with a wavy handle that’s easy to stir and pour.

For Eclectic Home Decorators

Annie Selke

Founder Annie Selke’s self-titled home decor brand started with rugs, thanks to her love of textiles. It has since expanded to feature everything from colorful and coastal to bohemian and modern furniture and decor. This jute rug will bring a textural element to your home with its all-natural, braided top-weave design.

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Source: housebeautiful.com

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The impact of the elevated Federal funds rate and morgage rates on our economy is stark. The 5-unit sector, in particular, entered a recession in September 2023 and those permits have been at COVID-19 recession lows for an extended period. However, in the last few months, single-family permits have also been falling. The key turning point in every economic cycle is when construction workers lose their jobs in enough numbers that it pushes jobless claims higher.

Let’s take a closer look at today’s housing starts report.

From Census: Building Permits: Privately‐owned housing units authorized by building permits in May were at a seasonally adjusted annual rate of 1,386,000. This is 3.8 percent below the revised April rate of 1,440,000 and is 9.5 percent below the May 2023 rate of 1,532,000.

We want to keep this very simple. We have a backlog of orders that need to be built out, so that has kept labor on five-unit housing going, as it takes 21 months to finish a 5-unit construction project. Once those projects are done, there will be far less residential work for these construction workers and they will need to look at alternatives, like government-funded projects such as semiconductor fabrication plants. This is why we keep an eye on permit data.

We all know that 5-unit permits have been at COVID-19 recession lows for some time now, but what is different now is that the single-family permits are falling too. We still have a backlog of single-family homes that need to be built and the purchase application data for those new homes is growing. However, once those homes get built, and if permits for new single-family houses continue to fall, that will be an issue for construction labor. Construction labor for single-family homes already took a hit after rates rose toward 7% in 2022.

From Census: Housing Starts: Privately‐owned housing starts in May were at a seasonally adjusted annual rate of 1,277,000. This is 5.5 percent (±9.4 percent)* below the revised April estimate of 1,352,000 and is 19.3 percent (±10.0 percent) below the May 2023 rate of 1,583,000.

As we can see below, housing starts are at the lows that we saw in the COVID-19 recession. This is happening while permits for single-family homes have only recently started to trend down. As more and more homes get built, if we don’t grow permits soon, then that labor force pool that are building homes are at risk when their jobs are completed. Hopefully, mortgage rates will fall soon, increasing builders confidence and getting more deals in the pipeline. This is what happened last year.

Why is this so important?

Economic cycles have similar patterns: one is that the Fed raises rates too much and is too restrictive, which leads housing to go into recession first, meaning construction workers on the residential side of things go down first. In the past few months we have been creating jobs in this sector, but if this trend of falling continues, then the labor pool is at risk of a decline.

All in all, it is a disappointing trend report on housing starts data, but this has been in the works for some time. The other side of this equation is that if construction labor breaks, mortgage rates will fall and that will spur demand, so hopefully we can limit the future damage of production when that happens.

However, for now, we will keep a close eye on it. For those who hear the stories about higher rates being inflationary, this is what they’re talking about: that eventually, the restrictive policy will prevent the future production of housing. As I always say: “Supply is the best way to defeat inflation. Demand destruction is a short-term fix, supply wins in the long run.”

Source: housingwire.com