New York Governor Andrew Cuomo on Monday signed into law new legislation that makes it possible for the state to revoke real estate licenses from agents and brokers who violate anti-discrimination laws.
Cuomo said New York has “zero tolerance” for discrimination of any kind and that the “sheer scope and breadth of the unscrupulous and discriminatory real estate practices uncovered on Long Island is repugnant to who we are.”
The Governor was referring to a November 2019 investigation conducted by Newsday that revealed how some real estate agents in the city were steering some clients towards certain neighborhoods and types of housing based on their race. Lawmakers in New York cited that investigation as the main reason for the new legislation.
Real Estate Board of New York President James Whelan said the law was important for the protection of clients. “All New Yorkers must have equal access and opportunity when searching for housing or commercial real estate,” he said in a statement.
“This law will provide teeth to the enforcement of New York’s Human Rights Law and ensure that real estate agents cannot engage in racist practices like “steering” that deny families the dignity of choosing their home and neighborhood,” said Senator James Gaughran. “I thank Governor Cuomo for his swift singing of this bill into law.”
But not everyone is happy with the Newsday investigation, with some brokerages questioning its findings. For example, Douglas Elliman reportedly said the report was “an unreliable, unethical and unscientific attempt to create a news story where there is none.”
Newsday’s report alleged that undercover testers found that Black home shoppers were treated differently almost half the time by real estate professionals in the state. Other minorities, such as Latinx and Asian shoppers, were also discriminated against, albeit less often, the report said.
New York authorities responded to the report by issuing subpoenas to 67 agents and firms cited in Newday’s investigation.
Mike Wheatley is the senior editor at Realty Biz News. Got a real estate related news article you wish to share, contact Mike at [email protected]
Searching for the perfect planter for your small space can be a daunting task, but fear not! We’ve done the research and put several products to the test to bring you the best planters for small spaces. Whether you’re living in a tiny apartment or just looking to add some greenery to your office, these compact and stylish planters will fit seamlessly into any space.
Having plants in your small space not only adds a touch of nature but also has health benefits such as improving air quality and reducing stress levels. However, finding the right planter that fits your space and style can be a challenge. We’ve analyzed essential criteria such as size, materials, and design to bring you the top contenders in the market.
One of the main considerations for small spaces is finding a planter that is compact yet has enough space for your plant to grow. Another factor is the material, which can affect durability, weight, and overall aesthetics. With so many options available, it can be overwhelming to make a decision, but fear not! We’ve got the expert insights and tips to help you make an informed choice.
Stay tuned for our top-ranking products that offer the perfect balance of style and functionality. Whether you’re a plant enthusiast or just starting your green journey, we’ve got you covered with the best planters for small spaces.
The Thirteen Chefs Villa Acacia Wooden Planter Box is a must-have for any gardening enthusiast. Measuring 24 inches in length, this rectangular wood planter is perfect for gardens, patios, windows, and even home decor. Made of high-quality acacia wood, this plant stand is versatile enough for indoor or outdoor gardening. Its sturdy construction ensures durability and stability, making it perfect for plants of all sizes. Whether you’re planting flowers, herbs, or vegetables, this wooden planter box is the perfect addition to your gardening arsenal.
With its sleek design and natural wood finish, the Thirteen Chefs Villa Acacia Wooden Planter Box is not only functional but also aesthetically pleasing. Its versatile design allows it to blend seamlessly into any decor style, whether rustic or modern. Its size is perfect for small spaces, making it ideal for balconies and apartment patios. Its durability ensures that it will withstand the test of time, making it a great investment for any gardener. Get the Thirteen Chefs Villa Acacia Wooden Planter Box and take your gardening game to the next level.
What we liked about it
The Thirteen Chefs Villa Acacia Wooden Planter Box is an excellent addition to any garden or patio. What we loved most about this rectangular wood planter is its versatility, as it can be used for indoor or outdoor gardening. Made from high-quality acacia wood, it is sturdy and durable, making it perfect for year-round use. We also appreciate the 24-inch size, which allows for ample planting space and room for growth. The design is sleek and modern, making it a great home decor piece as well. Overall, the Thirteen Chefs Villa Acacia Wooden Planter Box is a great investment for gardeners and plant enthusiasts alike.
What we didn’t like about it
When it comes to the Thirteen Chefs Villa Acacia Wooden Planter Box, we found a few aspects that could use some improvement. Firstly, we found that the wood used in the box was not very durable, and it started to show signs of wear and tear after just a few months of use. Additionally, the size of the planter box was a bit smaller than we expected, which limited the types of plants we could grow in it.
However, despite these drawbacks, we did appreciate the overall design and style of the planter box. The rectangular shape and natural wood finish made it a great addition to our patio decor, and we appreciated the versatility of being able to use it for both indoor and outdoor gardening. With a few improvements in the durability and size of the box, this could be an excellent choice for any home gardener.
The Thirteen Chefs Villa Acacia Wooden Planter Box is the perfect addition to any garden, patio, or home decor. Made of high-quality acacia wood, this planter box is durable and long-lasting. Measuring 16 inches long, it is the perfect size for any indoor or outdoor gardening project. Use it to plant herbs, flowers, or even vegetables. The rectangular shape allows for ample space to grow a variety of plants. The natural wood finish of the planter box adds a touch of elegance to any space. Use it as a stand-alone piece or pair it with other garden decor for a cohesive look.
What we liked about it
The Thirteen Chefs Villa Acacia Wooden Planter Box is a beautiful addition to any garden or home decor. What we loved most about this 16-inch rectangular wood planter is its versatile design, which makes it perfect for both indoor and outdoor gardening. The acacia wood plant stand is not only sturdy and durable but also adds a touch of natural elegance to any space. We were impressed by the quality of the materials and the attention to detail in the craftsmanship. The planter is easy to assemble and maintain, making it ideal for both novice and experienced gardeners. Overall, we highly recommend this product for anyone looking for a stylish and functional planter box.
What we didn’t like about it
The Thirteen Chefs Villa Acacia Wooden Planter Box is a beautiful addition to your garden or home décor. However, we found that the wood was not as durable as we had hoped. After a few months of use, we noticed some cracking and warping in the wood. We also found that the planter did not come with drainage holes, which could cause problems for your plants if not addressed. Overall, we think that the Thirteen Chefs Villa Acacia Wooden Planter Box has potential but could use some improvements to make it more durable and practical for gardening. We suggest adding drainage holes and using a more durable wood for future versions of this product.
The Veradek V-Resin Indoor/Outdoor Taper Planter is a versatile addition to any space. Made from durable resin, this planter is suitable for both indoor and outdoor use. With a sleek and modern design, it adds a touch of elegance to any decor. The set of two planters in black color, each 30 inches tall, allows for multiple planting options and arrangements. The tapered shape adds visual interest and allows for easy planting and maintenance. Whether used for plants, flowers, or herbs, this planter is a perfect choice for any green thumb.
What we liked about it
The Veradek V-Resin Indoor/Outdoor Taper Planter set is an excellent addition to any home or garden. What we loved most about this set is the modern and sleek design that adds a touch of elegance to any space. Made from high-quality resin, these planters are durable and weather-resistant, making them perfect for both indoor and outdoor use. The 30-inch height is perfect for tall plants and the tapered shape adds a unique touch to your decor. Plus, the set of two allows for versatility in placement and design. Overall, we highly recommend the Veradek V-Resin Indoor/Outdoor Taper Planter set for anyone looking to elevate their plant game.
What we didn’t like about it
When it comes to the Veradek V-Resin Indoor/Outdoor Taper Planter, there are a few things we didn’t love. Firstly, the size of the planter may be too big for smaller spaces, making it difficult to find the perfect spot for them. Additionally, while the tapered design is visually appealing, it can make it challenging to fit larger plants in the pot. Finally, the price point is a bit on the higher side, which may not be ideal for those on a budget. However, despite these drawbacks, the planters are still durable, lightweight, and weather-resistant, making them great for outdoor and indoor use.
The Plant Pots Set of 3 Pack 10 inch is a must-have for any indoor or outdoor gardener. These whiskey barrel planters come with drainage holes and a saucer, which makes them perfect for any type of plant. The plastic decoration flower pots have an imitation wine barrel design, making them a stylish addition to any home decor. These pots are 10 inches in size, making them perfect for small to medium-sized plants. They are made of high-quality materials and are built to last.
These plant pots are perfect for a variety of uses, including planting herbs, flowers, and small vegetables. They are also great for use as a centerpiece or as a decorative accent in any room. The drainage holes and saucer make it easy to water your plants without worrying about over-watering. These planters are also lightweight, making them easy to move around and rearrange as needed. Overall, the Plant Pots Set of 3 Pack 10 inch is a great investment for any gardener or plant enthusiast.
What we liked about it
The Plant Pots Set of 3 Pack 10 inch is an excellent choice for indoor and outdoor gardening enthusiasts. What we liked the most about these pots is their imitation wine barrel design, which adds a rustic charm to any garden or home decor. The pots are made of high-quality plastic and come with drainage holes and saucers, making them ideal for growing a wide range of plants. We found the 10-inch size to be perfect for small to medium-sized plants, and the set of three pots offers great value for money. Overall, these pots are durable, functional, and aesthetically pleasing, making them a must-have for any plant lover.
What we didn’t like about it
When using the Plant Pots Set of 3 Pack 10 inch, we noticed a few aspects that could be improved. Firstly, the imitation wine barrel design was a bit too artificial, making it look a bit cheap and not as realistic as we would have liked. Additionally, the plastic material was not as durable as we had hoped, and we noticed some cracking after just a few weeks of use. While the drainage holes and saucer were appreciated, we felt that the overall quality of the pots could be improved.
To make the Plant Pots Set of 3 Pack 10 inch even better, we suggest using a more realistic and natural-looking design that is more in line with the aesthetic of a real wine barrel. Additionally, using a more durable material would help to prevent cracking and ensure that the pots last for a longer period of time. Despite these issues, we did appreciate the versatility of the pots, which can be used both indoors and outdoors, and the convenience of the saucer for catching excess water.
The HC Companies 20 Inch Eclipse Round Planter with Saucer is a versatile plant pot suitable for both indoor and outdoor use. It comes in a rich chocolate color and has a diameter of 20 inches. This planter is perfect for growing various types of plants, including flowers, vegetables, and herbs. The planter’s saucer ensures that water is collected, keeping the surrounding area clean and mess-free.
Made from high-quality materials, this planter is sturdy and durable. It is also lightweight, making it easy to move around. With its sleek and modern design, this planter will complement any decor style. Whether you’re a seasoned gardener or a beginner, the HC Companies 20 Inch Eclipse Round Planter with Saucer is an excellent choice for all your planting needs.
What we liked about it
The HC Companies 20 Inch Eclipse Round Planter with Saucer is a versatile option for both indoor and outdoor gardening. What we loved the most about this product is its sturdy construction and stylish design. The chocolate-colored planter is made with high-quality materials that can withstand harsh weather conditions and resist fading. The round shape and saucer make it easy to water your plants without making a mess.
The key features that impressed us the most are the generous size and the drainage holes that prevent root rot. With a depth of 14 inches, this planter is perfect for growing a wide variety of flowers, vegetables, and herbs. We also appreciated the fact that it comes with a saucer that catches excess water, keeping your floors clean and dry.
In terms of performance, we found the HC Companies 20 Inch Eclipse Round Planter with Saucer to be exceptional. It provided excellent drainage and allowed our plants to thrive. Moreover, it was easy to move around thanks to its lightweight design. The user experience was top-notch, as the planter was easy to assemble and use.
Overall, we would highly recommend the HC Companies 20 Inch Eclipse Round Planter with Saucer to anyone looking for a durable and stylish option for their indoor or outdoor gardening needs. With its impressive features and performance, it is definitely worth the investment.
What we didn’t like about it
When it comes to the HC Companies 20 Inch Eclipse Round Planter with Saucer, we were disappointed by the lack of drainage holes. Without proper drainage, excess water can accumulate at the bottom of the pot, potentially drowning your plants or causing root rot. While the saucer is a nice addition, it doesn’t necessarily solve the drainage problem. Additionally, the plastic material of the pot can feel flimsy and cheap. We recommend looking for a planter with adequate drainage and a sturdier construction.
The Janska by Mueller M-Resin Heavy Duty Tall Planter is a 2-piece set perfect for indoor or outdoor use. Its modern design and dark gray color make it a stylish addition to any space. With built-in drainage, this planter is ideal for growing plants, trees, or flowers. The 24” height and 11.5” width provide ample space for plant growth, while the heavy-duty construction ensures durability. Whether you’re a seasoned gardener or just starting out, this planter is a great choice for adding some greenery to your home or outdoor area.
What we liked about it
The Janska by Mueller M-Resin Heavy Duty Tall Planter is a game-changer for anyone looking for a stylish and functional planter that can be used both indoors and outdoors. The modern design of this 2-piece set is sure to impress, but it’s the built-in drainage system that really sets it apart. The planter is 24 inches tall and 11.5 inches wide, making it the perfect size for larger plants, trees, or flowers. We love how sturdy and durable this planter is, thanks to its heavy-duty construction. Whether you’re a seasoned gardener or just starting out, the Janska by Mueller M-Resin Heavy Duty Tall Planter is a must-have for anyone who appreciates quality and style.
What we didn’t like about it
When it comes to the Janska by Mueller M-Resin Heavy Duty Tall Planter, there were a few aspects that we didn’t love. Firstly, the color options are limited to just dark gray, which may not suit everyone’s taste. Additionally, the 24″ size may be too large for some indoor spaces, making it difficult to find a suitable spot for the planter. Finally, while the built-in drainage is a great feature, the drainage holes are quite small and may become clogged easily, leading to potential water damage. Overall, while there are some downsides to this planter, it still offers a modern design and heavy-duty construction that will appeal to many plant enthusiasts.
The Classic Home and Garden 72 Whiskey Barrel is a perfect addition to any garden or patio. Made of durable, weather-resistant materials, this 15″ barrel has a distressed oak brown finish that adds rustic charm to any outdoor space. Whether you use it as a planter for flowers or herbs, or as a decorative piece on its own, it’s sure to impress. The barrel is lightweight and easy to move, yet sturdy enough to withstand the elements. Plus, its classic design never goes out of style.
This whiskey barrel is versatile and can be used for a variety of purposes. It’s perfect for planting flowers, herbs, or even small trees. The barrel is made of high-quality materials that are resistant to water, fading, and other outdoor elements. It’s also lightweight and easy to move, meaning you can change its location as needed. The distressed oak brown finish adds a touch of vintage charm that will enhance the look of any outdoor space. With its classic design and durable construction, the Classic Home and Garden 72 Whiskey Barrel is a must-have for any gardener or outdoor enthusiast.
What we liked about it
The Classic Home and Garden 72 Whiskey Barrel, 15″, Distressed Oak Oak Brown 15″ Whiskey Barrel Classic is the perfect addition to any outdoor space. What we love most about this product is its authentic design and rustic charm. The distressed oak finish gives it a vintage look that complements any garden or patio decor.
Aside from its aesthetic appeal, this whiskey barrel is also durable and functional. It is made of high-quality materials that can withstand harsh weather conditions and is perfect for planting flowers, herbs, and small trees. The size of the barrel is also just right, making it easy to move around and place in different areas of your outdoor space.
Overall, the Classic Home and Garden 72 Whiskey Barrel, 15″, Distressed Oak Oak Brown 15″ Whiskey Barrel Classic is a great investment for anyone looking to spruce up their garden or patio. Its unique design, durability, and functionality make it a must-have for outdoor enthusiasts.
What we didn’t like about it
Although the Classic Home and Garden 72 Whiskey Barrel is a great addition to any garden or patio, there were a few aspects that we didn’t like. First, the barrel is a bit smaller than expected. At 15 inches, it may not fit larger plants or flowers. Additionally, the distressed oak finish wasn’t as authentic as we had hoped. The coloring appeared a bit too uniform and lacked the natural variation of real oak wood.
To improve the product, we suggest offering larger size options for those who want to plant bigger flowers or plants. Additionally, the distressed oak finish could benefit from more individualized distressing to create a more genuine appearance. Despite these drawbacks, the Whiskey Barrel Classic does have its positives, such as its durability and unique design.
The Costa Farms Bird’s Nest Fern is a beautiful addition to any indoor space. At 15-inches tall, this houseplant comes in a stylish white mid-century modern planter and plant stand, making it perfect for boho decor in bedrooms, offices, and farmhouse homes. This fern is 1-2 feet tall and is easy to care for, making it a great choice for both beginner and experienced plant parents. Its lush green leaves provide a pop of color and natural beauty to any room. The Bird’s Nest Fern is also known to purify the air, making it a functional and beautiful addition to any space.
What we liked about it
The Costa Farms Bird’s Nest Fern is a stunning addition to any indoor space. We love the 15-inch height, making it the perfect size for various rooms in your home or office. The white Mid-Century Modern planter and plant stand add a touch of boho-chic to your décor. The fern’s unique shape and texture make it stand out from other plants, adding a natural element to your space. We were impressed with the plant’s hardiness, making it easy to care for and maintain. Overall, the Bird’s Nest Fern is a beautiful and functional addition to any home or office space.
What we didn’t like about it
When it comes to the Costa Farms Bird’s Nest Fern Live Indoor Plant, there are a few aspects that we didn’t like. Firstly, the plant arrived with some yellowing leaves, which was disappointing considering the price point. Additionally, the mid-century modern planter and stand that come with the plant are not as sturdy as we would have liked. While they look nice, they wobble easily and don’t feel very secure.
To improve the product, we suggest that Costa Farms pays more attention to the quality of the plants they ship out. They should also consider improving the construction of the planter and stand to make them more stable. Overall, the Bird’s Nest Fern is still a lovely addition to any home, but some improvements could make it an even better value.
The Barnyard Designs Farmhouse Herb Garden Planter Set is a perfect addition to any indoor or outdoor space. The set comes with three white planters and a tray, making it easy to grow a variety of herbs or succulents. The planters are made of durable materials that can withstand the elements, making them perfect for an apartment window or balcony. They also make a great windowsill planter box for indoor use. The set is both functional and stylish, adding a touch of farmhouse charm to any space. It’s an excellent choice for anyone looking to start their own herb garden or add some greenery to their home.
What we liked about it
The Barnyard Designs Farmhouse Herb Garden Planter Set is an indoor/outdoor essential for any green thumb. The white, set of 3 pots come with a tray and can be used as a windowsill planter box or apartment window planter box. We love the versatility of this product and how it can be used to grow herbs, succulents, or any small plant. The rustic farmhouse style adds a charming touch to any space. The sturdy construction and drainage holes ensure proper plant growth. Overall, this planter set is a great addition to any home or garden.
What we didn’t like about it
When it comes to the Barnyard Designs Farmhouse Herb Garden Planter Set, there were a few aspects that we didn’t find ideal. Firstly, the set is not made from the most durable materials, which can make it susceptible to damage over time. Additionally, the planter tray isn’t waterproof, which can lead to water damage on surfaces it’s placed on. Lastly, the planters themselves are on the smaller side, which may not be sufficient for those who want to grow larger herbs or plants. However, an alternative would be to line the planters with plastic to prevent water damage. Despite these drawbacks, we still appreciate the stylish design and functionality of the set, making it a great choice for those looking to add some greenery to their home.
The Costa Farms Majesty Palm Live Plant is the perfect addition to any tropical-themed home decor. This 3-4 feet tall palm tree is potted in a modern decor planter, making it suitable for both indoor and outdoor use. Its lush green fronds and striking silhouette make it a statement piece, perfect for patios and balconies. This live plant is easy to care for and adds a touch of nature to any living space. It also makes a great housewarming gift for plant lovers. Bring the beauty of the tropics into your home with the Costa Farms Majesty Palm Live Plant.
What we liked about it
The Costa Farms Majesty Palm Live Plant is the perfect addition to any home, indoor or outdoor. Potted in a modern décor planter, this tropical palm tree stands at an impressive 3-4 feet tall, making it a stunning statement piece for any patio or balcony. We were impressed by the plant’s lush green foliage and the way it adds a touch of natural beauty to any room. The palm tree is easy to care for and thrives in bright, indirect light. We love how it instantly transforms any space into a tropical oasis and makes for a perfect housewarming gift. Overall, we highly recommend the Costa Farms Majesty Palm Live Plant as a must-have for any plant lover or décor enthusiast.
What we didn’t like about it
One area where the Costa Farms Majesty Palm Live Plant falls short is its durability. While it is advertised as both an indoor and outdoor plant, it is not well-suited for harsh outdoor conditions. Additionally, the palm may struggle in colder climates and may require additional care to thrive.
However, despite these issues, the Majesty Palm is still a beautiful and stylish addition to any home or patio. The modern decor planter adds a touch of sophistication to the overall aesthetic and the palm itself is easy to care for and maintain. Overall, while the Majesty Palm may have its limitations, it is still a great choice for anyone looking to add some tropical flair to their living space.
The Just Add Ice JA5002 Purple Orchid in White Evi Ceramic Pottery is a stunning addition to any home décor. This live indoor plant features long-lasting fresh flowers that are easy to grow, making it a perfect gift for wives, moms, and friends. The mini planter is 2.5″ in diameter and 9″ tall, making it a great size for small spaces. The white ceramic pot adds a touch of elegance to the overall appearance of the plant.
This purple orchid is known for its air-purifying properties, making it a great addition to any room in the house. It is easy to care for, requiring only three ice cubes per week to maintain its health. The plant is shipped in a secure box to ensure it arrives in perfect condition. Overall, the Just Add Ice JA5002 Purple Orchid in White Evi Ceramic Pottery is a beautiful and low-maintenance plant that adds a touch of elegance to any home.
What we liked about it
The Just Add Ice JA5002 Purple Orchid in White Evi Ceramic Pottery is an exceptional indoor plant that adds charm and elegance to any space. The vivid purple flowers that bloom for weeks on end are a sight to behold. The ceramic pot is beautifully crafted and complements the orchid’s stunning flowers, making it an ideal gift for a friend, mom, or wife. This orchid is easy to grow, and its long-lasting flowers make it a perfect addition to any mini home décor planter. With a 2.5″ diameter and a 9″ height, this purple orchid in white pottery is a must-have for plant lovers everywhere.
What we didn’t like about it
While the Just Add Ice JA5002 Purple Orchid in White Evi Ceramic Pottery is a beautiful addition to any home, we found that its size is quite small. The 2.5″ diameter and 9″ height may be disappointing for those expecting a larger plant to fill a space. Additionally, the instructions for care were not very detailed, which could be problematic for those who are new to caring for orchids. We recommend providing more detailed instructions or a care guide to ensure the longevity of the plant. Overall, while the plant itself is lovely, we suggest that those looking for a larger indoor plant explore other options.
Buyers Guide
When it comes to choosing the right planters, there are several key factors to consider. Whether you’re looking for a planter for indoor or outdoor use, here are five criteria to keep in mind:
1. Size: The size of your planter will depend on the size of the plant you want to grow and the space you have available. Make sure to measure both the plant and the area where you plan to place the planter to ensure a good fit.
2. Material: Planters come in a variety of materials, including ceramic, metal, plastic, and wood. Consider the aesthetic you’re going for, as well as the durability and maintenance requirements of each material.
3. Drainage: Proper drainage is essential for keeping your plants healthy. Look for planters with drainage holes or consider adding your own if the planter doesn’t come with them.
4. Style: Planters come in a wide range of styles, from modern and sleek to rustic and charming. Consider the overall aesthetic of your space and choose a planter that complements it.
5. Budget: Planters can range in price from a few dollars to several hundred, so it’s important to set a budget before you start shopping. Keep in mind that investing in a high-quality planter can save you money in the long run by ensuring the health and longevity of your plants.
Whether you’re an experienced gardener or just starting out, choosing the right planter is key to the success of your plants. By considering these five criteria, you can find a planter that meets your needs and helps your plants thrive.
FAQ
Q: How do I choose the right planter for my plants?
A: When choosing a planter, consider the following three criteria: size, material, and drainage. First, make sure the planter is the appropriate size for your plant, allowing enough room for it to grow. Second, choose a material that will suit your plant’s needs – for example, terracotta is great for plants that require a dry soil environment. Finally, ensure the planter has adequate drainage holes to prevent water buildup, which can harm your plants.
Q: Can I use any type of planter for indoor plants?
A: While many types of planters can be used for indoor plants, it’s important to choose one that’s appropriate for your plant’s specific needs. Consider the amount of light and humidity in the room, as well as your plant’s size and watering requirements.
Q: What are some benefits of using self-watering planters?
A: Self-watering planters can be a great option for those who don’t have the time or ability to water their plants regularly. These planters have a built-in reservoir that provides water to the plant as needed, allowing for longer periods between watering. Additionally, self-watering planters can help prevent overwatering, which can be damaging to your plants.
Q: Are there any eco-friendly options for planters?
A: Yes! There are many eco-friendly options for planters, such as those made from recycled materials or natural fibers. Additionally, you can consider repurposing items such as old teapots or mason jars to use as planters.
Q: How can I choose a planter that will complement my home decor?
A: When choosing a planter, consider the style of your home and the aesthetic you’re going for. If you have a modern, minimalist home, a simple white ceramic planter may be a good option. If you prefer a more bohemian look, a woven basket planter could be a great choice. Ultimately, choose a planter that you love and that will bring joy to your space.
Conclusions
In conclusion, the world of planters is vast, and finding the perfect one for your space can be overwhelming. However, after reviewing several options, we recommend the Thirteen Chefs Villa Acacia Wooden Planter Box in both the 16 and 24-inch sizes. The acacia wood is not only stylish but also durable for both indoor and outdoor use. Additionally, the Veradek V-Resin Indoor/Outdoor Taper Planter set of 2 in black offers a sleek and modern design perfect for a contemporary space.
When choosing a planter, it’s essential to consider the size, material, and drainage options. Each of the recommended options offers different features and advantages, making them suitable for various needs. We encourage you to do further research and choose the planter that best fits your style and needs.
Lastly, we thank you for reading and hope this review has helped narrow down your search for the perfect planter. Whether you’re looking to add greenery to your indoor space or enhance your outdoor garden, we are confident that one of these options will suit your needs. Happy planting!
Whether you’re furnishing a new house or redecorating an old one, you’ll soon discover that good furniture can cost you. Luckily, just because your budget is tight, it doesn’t mean you have to skip on style. We’ve pulled together a list of some of the most affordable (and stylish) furnishings at one of the most affordable stores: Target! Click through to see our picks.
Photo: target.com
Sneaky Storage
There’s a lot to like about multifunctional furniture, no matter the size of your home. Of course, there’s no shortage of clever, double-duty designs out there on the market, but the classic storage bench remains a top favorite. Indeed, it may be the single most versatile piece you can own. With a modern construction and rich vegan leather upholstery, this one from Target offers hide-away storage for countless home accessories under its padded, lift-off top, even while serving as a seat for extra guests, a spot to at the foot of the bed, or a decorative touch in your hallway. Get it at Target for $292.49 (Save $97.50);
Related: 12 Double-Duty Products You Never Saw Coming
Stand Apart
Photo: target.com
It’s a testament to the utility of the TV stand that it remains as popular as ever, despite the rise of flat-screens. That’s likely because, even if you take the time or spend the money to mount your flat-screen on the wall, you still need a way to store everything that goes along with it—components like the cable box, say, or your collection of music and movies. It all fits easily and neatly into a TV stand like this one. Boasting a built-in cabinet plus two tiers of shelf space, the streamlined design makes for a fine focal point in your den or family room. Get it at Target for $107.99 (Save $12).
Related: 9 Smarter Spots for the TV
De-Clutter Your Space
Too much stuff, not enough storage space—it’s an all-too-common problem. An untidy room can leave you feeling disgruntled and distracted, but many homes don’t have sufficient cupboards and closets to hide excess clutter. This six-cube organizer shelf from Target provides an easy and practical solution. Made of paper laminate, the shelf is highly customizable and easy to assemble. Hide your items with fabric drawers (like the 11″ ones from Cubeicals), or display them against a wooden back panel. Get it at Target for $35
Related: 11 Best Buys to Make Your Small Home Feel Big
Photo: target.com
Modern Seating
As formal dining rooms become less common, people are searching for ways to style a casual dining table. One solution: replace a couple of chairs with benches, like this one from Target. The simple and charming piece of furniture comfortably seats two, and the warm wood finish gives off a rustic countryside feeling. Plus, the sturdy bench isn’t limited to the eating area; place it against the wall for instant seating in any area of your house. Get it at Target for $76.99.
Related: 11 Types of Furniture That Are Going Extinct
End to End
Photo: target.com
If something feels “off” in your room, your accent furniture (or lack of it) may be to blame. To adorn an under-decorated living room or den, try adding a simple end table like this one from Room Essentials. Set alongside a plush couch or chair, the table adds warmth and functionality to any space. Plus, because its base doubles as a second shelf, you’ll transform wasted floor space into working storage. Get it at Target for $32
Related: 11 Totally Unexpected Uses for IKEA Furniture
A Step Up
Photo: target.com
Once relegated to the dark corners of the garage, metal shelving is finally coming home—and with a whole new look. For a stylish take on a storage classic, add this 3-tiered version to your living room, dining room, or entryway. The generous shelves are deep enough to house your book collection and put prized family photos on display—and since it’s a mix of metal and wood, this handy shelving unit will serve up storage for years to come. Get it at Target for $86.99 (Save $73)
Related: 18 Clever Storage Solutions You Can DIY for Free
Shelf Life
Photo: target.com
Apartment dwellers and homeowners alike struggle with the spaces so small that it’s a question of storage versus square footage. Simply adding any old side table or bookshelf could add more clutter than order! The near-invisible profile of this three-tier shelf from Convenience Concepts takes up hardly any floor space visually, though, thanks to its sleek and primarily tempered glass design. And at just over 24 inches tall, 18 inches wide, and 14 inches deep, it tucks easily next to seat—be it a cushioned lounge chair or a toilet—for the extra surface. Get it at Target for $62.99 (Save $7)
Related: The 12 Best Buys for Your Tiny Bathroom
Bar None
Photo: target.com
Stackable and Storable
Photo: target.com
Bedside Convenience
Photo: target.com
Furnishing a child’s room can be surprisingly expensive. That expense only increases over the years, since many parents switch out a child’s furniture as they grow. It’s inevitable that trading a kid’s race car bed for a double mattress will set you back, but there’s no reason to shell out for a pricey bedside table to match. In fact, this simple nightstand from Costway is so versatile that it can match almost any style, and cheap enough that it pays for itself in usefulness by the time your child outgrows it. Get it at Target for $60.99 (Save $40)
Related: 9 Problem-Solvers You Can Snag on Amazon for Under $20
Don’t Miss!
Photo: istockphoto.com
If you have the money to hire a handyman for every household woe, go ahead. But if you want to hang on to your cash and exercise some self-sufficiency, check out these clever products that solve a million and one little problems around the house. Go now!
Now that I’m no longer semi-anonymous with my finance blogging, I tend to have a lot of friends and random people asking me finance questions.
I have people pouring what seems like their heart and soul to me because they really want to change and improve their situation.
This is something that I love about being a personal finance blogger – the fact that I can (hopefully) help someone change their life and teach them how to manage their money better.
Many of the questions I receive involve debt and what they can do to change their situation.
Someone told me they had over $200,000 in student loan debt, another person recently told me they had over $100,000 in credit card debt, some are hiding their finance problems from their families, some have told me that they are beyond house poor and they don’t know what to do.
The list goes on and on about the stories that I have heard.
I think the first thing a person needs to do when it comes to eliminating their debt is to realize WHY they are in debt in the first place (the next step is to actively reduce your debt – read How To Eliminate Your Debt). If you don’t know what your problem is, then it would be hard to make a positive change.
Yes, it is great to just start attacking your debt, but you also don’t want to fall into a vicious cycle of going into debt over and over again.
Here are some of the many reasons for why you may be in debt.
You think you have plenty of time to pay off your debt.
When I was in the middle of paying off my $40,000 worth of student loan debt, I remember being asked why I wanted to get rid of my student loan debt so quickly.
You know the saying about how there is no such thing as a stupid question?
Well, I thought that question was extremely stupid. I thought (and still think) it was probably the most stupid question I have ever been asked or heard.
I can’t remember the conversation exactly, but I remember them saying something about how I’m young and I should enjoy my money more and that I can worry about my student loans later.
UMM WHAT?!
Why not just pay off your debt more? Would you really rather have than 100th pair of jeans instead of putting more towards your debt? I know for a fact that I will probably completely forget about an article of clothing (even though I love clothes!) and I will appreciate my debt being paid off more.
I still enjoyed my life while I was paying off my debt, and I definitely do not think I was suffering at all.
It’s been around seven months since I completely paid off my student loans, and I couldn’t be happier!
You also never know what may happen. If you wait to pay off your debt and instead spend your money on things that you don’t need, you may fall into a bad situation. What would happen if you lost your job, came across high medical bills, or something else?
Wouldn’t you have wanted your debt to be gone?
You treat your credit card as income.
Your credit card is not a new income source. If you treat your credit card this way, then you should cancel your credit card.
Oh well if closing your account means that you will be lowering your credit score, you are probably doing worse damage anyways by racking up large credit card bills that you can’t pay.
If you are using a credit card, then you should be working to pay off your balance completely each month.
So-and-so has debt, so it’s fine if you do too.
Many people compare their debt amounts to others in hopes that they will feel more “normal” about their debt and not feel as bad. An example would be if you are 30 and the average 30-year-old has $10,000 worth of credit card debt (I completely just made that number up). You then use this number as a “guide” to yourself so that you can feel more comfortable about your debt.
However, WHO CARES about how much debt another person has? How exactly does knowing what the average amount of debt a random 30-year-old has affect you?
Is that person you?
NO!
So, why would another person’s amount of debt even matter to you? That makes no sense!
Just because someone else has $10,000 worth of credit card debt from buying too much clothing does not mean that you should too. You never know, this amount may be breaking them on the inside even if they aren’t showing it.
You believe you deserve the items you buy.
Yes, you may be awesome and think you deserve it, but should you really be buying it? Just because someone else just bought a 100 inch 3D TV (or a mansion, nice car, gadgets, a crazy-expensive wedding, etc.) doesn’t mean that you should as well.
You might think “oh well they have a comparable job to mine, so, if they can afford, then I can too.”
However, you have no idea how this person is paying for it. Maybe they saved for years, or maybe they are just putting everything on their credit card.
I recently talked to someone who has over $100,000 in credit card debt and I could tell they were in panic mode. They bought way too much house, way too much car, way too much everything. They thought they deserved it all since others were buying something similar.
You don’t need to keep up with the Joneses!
There are many ways to cut down your spending. Below is a quick list:
Lower your cell phone bill. Instead of paying the $150 or more that you spend on your cell phone bill, there are companies out there like Republic Wireless that offer cell phone service starting at $10. YES, I SAID $10! If you use my Republic Wireless affiliate link, you can change your life and start saving thousands of dollars a year on your cell phone service. I created a full review on Republic Wireless as well if you are interested in hearing more. I’ve been using them for over a year and they are great.
ATM fees. Why do people do this to themselves?
TV. Cut your cable, satellite, etc. Even go as far to go without Netflix or Hulu. Buy a digital antenna (this is the one we have) and enjoy free TV.
Sign up for a website like Ebates where you can earn CASH BACK for just spending like how you normally would online. The service is free too! Plus, when you sign up through my link, you also receive a free $10 gift card bonus to Macys, Walmart, Target, or Kohls!
Pay bills on time. This way you can avoid late fees.
Shop around for insurance. This includes health insurance, car insurance, life insurance, home insurance and so on. Insurance pricing can vary significantly from one company to the next. When we were shopping for car insurance last, we found that our old company wanted something like $205 to insure one car for one month, whereas the new company we have now charges $50 a month for the same exact coverage. INSANE!
Save money on food. I recently joined $5 Meal Plan in order to help me eat at home more and cut my food spending. It’s only $5 a month (the first four weeks are free too) and you get meal plans sent straight to you along with the exact shopping list you need in order to create the meals. Each meal costs around $2 per person or less. This allows you to save time because you won’t have to meal plan anymore, and it will save you money as well!
Fuel savings. Combine your car trips, drive more efficiently, get a fuel efficient car, etc.
Trade in your car for a cheaper one. For us, we are car people. Cars are one of our splurges. However, if you only have a nice car to keep up with the Joneses, then you might want to get rid of it and get something that makes more sense.
Live in a cheaper home. I’m not saying you need to go live in a box, but if you live in a McMansion then you may want to think about a smaller home. This way you can save money on utility bills and your mortgage payment.
Use a programmable thermostat so that you can heat and cool your home efficiently and more affordably.
Learn to have more frugal fun. We don’t spend anywhere near the same amount of money on entertainment as we used to. There are plenty of ways to have frugal fun.
Check out my recommendations page for a full list on money-saving websites.
Some ways to make extra money are below, but check out the related articles below to see many, many more:
Start a blog. Blogging is how I make a living and just a few years ago I never thought it would be possible. I made over $320,000 last year by blogging and I’m hoping to double that in 2016. You can create your own blog here with my easy-to-use tutorial. You can start your blog for as low as $3.49 per month plus you get a free domain if you sign-up through my tutorial.
Sell your stuff. There are many things you can do to make money by selling items. We all have extra things laying around that can be sold, or you can even search for items that can be bought and resold for a profit.
Rent an extra room in your home. If you have extra space in your home, then you may want to rent it out. Read A Complete Guide To Renting A Room For Extra Money.
Answer surveys. Survey companies I recommend include VIP Voice, Earning Station, American Consumer Opinion, ProOpinion, YouGov, Pinecone Research, Opinion Outpost, Survey Spot, and Harris Poll Online. They’re free to join and free to use! You get paid to answer surveys and to test products. It’s best to sign up for as many as you can as that way you can receive the most surveys and make the most money.
Use Swagbucks for your online searches. Swagbucks is something I don’t use as much, but I do occasionally earn Amazon gift cards with very little work. Swagbucks is just like using Google to do your online searches, except you get rewarded “Swagbucks” for the things you do through their website. Then, when you have enough Swagbucks, you can redeem them for cash, gift cards, and more. You’ll receive a free $5 bonus just for signing up today!
Try InboxDollars. InboxDollars is an online rewards website I recommend. You can earn cash by taking surveys, playing games, shopping online, searching the web, redeeming grocery coupons, and more. Also, by signing up through my link, you will receive $5.00 for free just for signing up!
Find a part-time job. There are many part-time jobs that you may be able to find. You can find a job on sites such as Snagajob, Craigslist (yes, I’ve found a legitimate job through there before), Monster, and so on.
Related articles:
Why are you in debt? What reasons have you caught yourself using?
If you’re feeling extra brave, please share how much debt you have (house, car, student loans, credit cards, etc.).
If you’re putting in the effort of researching companies, deciphering ESG scores and choosing investments, you probably want to know what your dollars are actually doing.
I’ve long wished for an app that would tell you exactly how many polar bears you’re saving with X number of dollars in ESG investments. Unfortunately, ESG statistics and impact reports don’t deal in polar bears.
Measuring ESG’s output of good is tricky. “Good” is not necessarily a concept we all agree on. Plus, to show how a company is doing, ESG uses numerical scores that are not easily deciphered.
Here’s one example: A major energy drink manufacturer had an ESG score of 0. The company massively reduced the amount of forced labor in its supply chain thanks to shareholder interventions, says Andrew Behar, CEO of As You Sow, a nonprofit working to increase corporate environmental and social responsibility.
Reducing forced labor was overwhelmingly better for the brand, and the return on investment outweighed the cost of implementing new practices. Much of the focus of making this change was on improving the company’s ESG score (which went from 0 to 26 out of 100), but the result was a significant reduction in forced labor.
Greenwashing and ESG
How do you assign a number to positive impact? There are a few ways, such as pounds of carbon prevented from entering the atmosphere, or dollars donated to charity, but even those numbers can be misleading. Those misleading, or sometimes entirely false, claims are called greenwashing.
Many automated financial advisers, or robo-advisers, now offer impact portfolios. Those portfolios are typically made up of exchange-traded funds built along certain themes, such as investing in clean energy. A few say they donate to charities. But several of these funds haven’t donated a dollar.
ESG is a grading system that can be used to combat greenwashing by providing quantitative data. But since the term “ESG” isn’t regulated, that can cause even more confusion.
“We did a report where we noticed that there were 90 mutual funds with ESG in their name, and 60 of them got a D or an F on ESG from us,” says Behar. “So we did an analysis of their prospectuses. The bottom line is that the prospectus language is in no way correlated to the holdings, and no way correlated to the [fund] name.”
What are your impact dollars doing?
If you’re trying to figure out what the overall good output is from ESG, you may be searching for a long time. Those numbers don’t exist (at least not yet). What does exist are examples of individual companies slowly making change over time.
A single company decreasing the amount of forced labor in its supply chain due to ESG and shareholder advocacy is indisputably good — and that’s not the only example out there.
ESG guidelines, and the people who use them, have led to large-scale reductions in pesticide use, increased sustainability programs and increased diversity within company workforces.
Many of those companies also saw increases to their bottom lines alongside the ESG-inspired changes they made. So, yes, ESG does actually create serious, measurable good.
And while you may not be able to get a dollar-to-net-impact metric just yet, that doesn’t mean that ESG isn’t worth investing in. ESG innovations are popping up all the time that help everyday investors make better choices.
Some exchange-traded funds now have a feature that automatically removes companies that fall outside of the bounds of set ESG levels, says Alexandra Mihailescu Cichon, chief commercial officer of RepRisk, an ESG data science company.
Don’t lose hope
Amid what can feel like trickery and highly targeted marketing, what are well-intentioned investors to do? Keep the faith.
“I think we’re in a stage where we’re in a bit of a transition between the era of commitments and pledges,” Cichon says. “And now we’ve moved on to the next era, which is more about execution of all of these commitments. And then, as part of that execution, that is really about measuring that impact and seeing whether it actually effects the change.”
This era of change has come about because investors have demanded more from the companies they invest in. Despite the greenwashing and politics, the landscape and popularity of ESG investments have changed dramatically. Massive amounts of money have poured into sustainable investments over the last few years.
This, more than anything, has sent a clear message that investors are fed up with business practices that do more harm than good. And the outrage at the lack of transparency surrounding those practices reinforces that investors will continue to hold businesses accountable until they start seeing real change. And maybe even save some polar bears.
This article was written by NerdWallet and was originally published by The Associated Press.
Are you pondering over the idea of moving to Santa Barbara? Let this Redfin article be your insider guide, unveiling the secrets of this picturesque coastal haven, as shared by its vibrant residents. This isn’t your typical city guide; it’s a treasury of local insights, revealing everything from exceptional dining experiences and enchanting bookstores to lush hiking trails and historic hotels.
As you search for apartments for rent or homes for sale in Santa Barbara, remember that this city offers more than just a place to live—it’s a gateway to a community brimming with adventure and exploration. Join us as we delve into the unique experiences and treasures that await you in this picturesque paradise.
1. Have a biodynamic glass of wine at Satellite
If you’re searching for the perfect blend of vegetarian plates and wine, Jill Ettinger, co-founder and editorial director of Ethos, recommends Satellite. “There, you’ll find organic, local produce, and biodynamic wine for a meal that doesn’t disappoint.” Ettinger also suggests trying the vegan mac and cheese, stuffed tacos, or yoga pants salad–and be sure to grab a bottle of their 2020 Sylvain Pataille Aligoté Burgundy as a memento.
2. Grab a craft beer at Night Lizard Brewing Company
Beer enthusiasts, rejoice! Shannon Fennell suggests Night Lizard Brewing Company to “discover a diverse range of handcrafted beers, from hoppy IPAs to smooth stouts, each crafted with passion, sustainability, and precision.” And you don’t have to be a beer aficionado to enjoy all this local brewery has to offer; all are welcome.
3. Enjoy a delicious cup of coffee at Handlebar Coffee
Tristan Tracy with Tristan Tracy Photography recommends Handlebar Coffee. “It’s the best cup of coffee in the Santa Barbara area,” says Tracy. From competitive cycling to multiple storefronts, Handlebar Coffee roasts quality beans daily.
4. Join the Taste Santa Barbara Food Tour
If you’re looking for an all-in-one experience, Tristan Tracy also suggests checking out the Taste Santa Barbara Food Tour. “The owner is a blast, and the food is amazing. You’ll eat the best of downtown Santa Barbara and learn about this town’s history.”
5. Spend the afternoon at Chauncer’s Bookstore
Author and freelance writer Audry Fryer recommends a hidden gem for book lovers, Chaucer’s Bookstore. Fryer describes the store as a, “cute independent bookstore with a cozy atmosphere, friendly and knowledgeable staff, and an extensive collection of varying genres.” You can even find a selection of journals, puzzles, games, and magazines. There is truly something for everyone.
6. Go on a beachfront pottery date
If you’re searching for a fun, creative, and romantic date, look no further than Sarah Klapps’s two-hour “Clay Date.” Klapp offers private pottery lessons for two in her beachside art studio where “guests will learn how to make pottery on the wheel and take home their finished work.” All materials are included; bring yourself and someone special for an enjoyable experience.
7. Stroll through the Santa Barbara Botanic Garden
With over a thousand species of plants, Shannon Fennel recommends exploring the Santa Barbara Botanic Garden. “Explore winding trails that lead you through lush landscapes, vibrant wildflowers, and fragrant gardens, igniting your senses along the way,” says Fennel. If you’re searching to spend the day captivated by the beauty of wandering through California’s native plants, this is the perfect place.
8. Spend the day at Alameda Park
If your children are eager for a day of entertainment, look no further than Kid’s World at Alameda Park.”This 8,000 sqft playground is just one of the amazing sections at Alameda Park and is home to beautiful trees and also boasts a great way to spend a morning in Santa Barbara,” says Tristan Tracy.
9. Experience luxury at the Rosewood Miramar Hotel
Whether you’re briefly in town searching for your next home or have family visiting after you’ve settled, Tracy also recommends a stay at Rosewood Miramar Hotel just outside of Santa Barbara city limits. “This historic property was recently rebuilt into a glamorous and lavish estate hotel.” Tracy shares how she’s often captivated by the fantastic boardwalk views, cocktails, and guest service–claiming that “it really is the whole experience of the highest-end hotel in Montecito.”
Located in the heart of California’s Central Valley, Stockton is a vibrant city with a rich history and a diverse array of cultural, economic, and recreational offerings. Nestled along the San Joaquin River, Stockton has a strategic position as an inland port, contributing significantly to the state’s economy.
In this article, we will explore what Stockton is known for, shedding light on its notable features, industries, attractions, and overall appeal. Whether you’re searching for homes for sale, considering Stockton apartments, or you just want to learn more about the area, this Redfin article will uncover the essence of what makes Stockton a truly remarkable California city.
1. Agricultural hub
Stockton’s prime location in the agricultural heartland of California has made it a vital hub for agricultural production and distribution. The city benefits from its proximity to fertile farmlands, allowing it to flourish as a leading center for the processing, packaging, and transportation of various crops such as asparagus, tomatoes, cherries, almonds, and wine grapes. Stockton’s agricultural prowess has earned it the title of “California’s Inland Port.”
2. Inland port and transportation
Stockton’s designation as an inland port stems from its access to an extensive network of transportation infrastructure. The city boasts a deepwater port, providing a direct link to the Pacific Ocean via the San Francisco Bay. This facilitates the movement of goods and makes Stockton an important hub for international trade. Additionally, its central location between major cities like San Francisco and Sacramento makes it a strategic transportation nexus within California.
3. Cultural diversity
Stockton takes pride in its multicultural heritage, with a diverse population representing a wide range of ethnicities and cultures. The city celebrates this diversity through various festivals, events, and community initiatives. The Haggin Museum offers a glimpse into Stockton’s cultural history, housing an extensive collection of art and artifacts, while the Cambodian Buddhist Temple is a stunning architectural gem that showcases the city’s rich Cambodian community.
4. Educational Institutions
Stockton is home to several renowned educational institutions, including the University of the Pacific, which ranks among the top universities in California. The university offers a range of academic programs and is known for its exceptional schools of business, law, and dentistry. San Joaquin Delta College, a respected community college, provides affordable education and vocational training to students.
5. Natural beauty and outdoor recreation
Anyone living in or moving to Stockton will be blessed with picturesque surroundings and a wealth of outdoor recreational opportunities. The city is situated along the California Delta, offering stunning waterways for boating, fishing, and kayaking. Nearby, the 3,000-acre Oak Grove Regional Park provides ample space for picnicking, hiking, and bird-watching. For golf enthusiasts, Stockton boasts numerous well-maintained courses, including the prestigious Reserve at Spanos Park.
6. Sports and entertainment
Stockton’s sports scene is thriving, with the Stockton Ports minor league baseball team attracting fans to Banner Island Ballpark. The Stockton Arena hosts various sports events and concerts throughout the year, catering to a wide range of tastes. Additionally, the Bob Hope Theatre, a beautifully restored historical venue, offers a platform for performing arts, including Broadway shows, live music, and dance performances.
Before deciding which house to buy, think about your lifestyle, your current and anticipated housing needs, and your budget. It’s a good idea to create a prioritized list of features you want in your next home – you’ll soon discover finding the right house involves striking a balance between your “must-haves” and your “nice-to-haves.”
To start, consider your lifestyle. If you love to cook, you’ll want a well-equipped kitchen. If you’re into gardening, you’ll want a yard. If you’re planning your office at home, you may want a room for a separate library or work space. If you have several cars, you may require a larger garage. Use this list as your search guide.
Next, think about what you might need in the future. As you consider your housing needs, it’s important to consider how long you may live in your home. If you’re newly married, you might not be concerned with a school district right now, but you could be in a few years. If you have aging parents, you may want to look at homes that offer living arrangements for them as well as you. It’s important to think about your new home’s location just as carefully as you do about a house’s features. Location is a huge part of any move. In addition to considering the distance to work, you need to evaluate the availability of shopping, police and fire protection, medical facilities, school and day-care, traffic and parking, trash and garbage collection, even recreational facilities.
Perhaps the most important decision is deciding on the type of home you want. Do you want a condominium or a co-op? A town house or a detached single-family home? Do you want brick, stone, stucco, wood, vinyl siding, or something else? Do you prefer a new home or an older one?
Through all of this, make sure to talk to your real estate professional about where you want to live. While more buyers now use the Internet to gain access to listings, or available properties for sale, it is still a good idea to use an agent. The agent brings value to the entire process: he or she is available to analyze data, answer questions, share their professional expertise, and handle all the paperwork and legwork that is involved in the real estate transaction.
Now that you know what you’re looking for, the next step is figuring out what you can afford. A review of your income, savings, monthly expenses, and debt will be necessary.
Early on in the process, you’ll want to get pre-qualified for a mortgage loan, which helps determine how much you can afford. It enables you to move swiftly when you find the right home, especially when there are other interested buyers. It also indicates to the seller that you are serious and can afford to buy the property.
A pre-approval, a simple calculation done by a mortgage lender, will tell you the amount you’ll be able to finance through a loan and what your monthly payment will be. When you find a home to buy, a pre-approval also reassures the seller that you have the financial means to purchase his or her home.
Knowing what you can afford is the first rule of home buying, and that depends on how much income and how much debt you have. It pays to check with several lenders before you start searching for a home.
The price you can afford to pay for a home will depend on several factors, such as:
Gross income (the funds you have available for the down payment)
The 2020 Home Buyers and Sellers Generational Trends Report highlighted similarities and differences across generations of home buyers and sellers. This report takes a look at trends among generational groups within the following 7 categories:
Characteristics of Home Buyers
Characteristics of Homes Purchased
The Home Search Process
Home Buying and Real Estate Professionals
Financing the Home Purchase
Home Sellers and Their Selling Experience
Home Selling and Real Estate Professionals
Overall, Millennials made up the largest share of home buyers at 38 percent.86% percent of Younger Millennials, and 52 percent of Older Millennials were first-time home buyerswhile buyers from ages 40 – 54 (Gen X) consisted of 23% of recent home buyers.
On average, Gen X homebuyers bought the largest homes in size at a median of 2,000 square feet and also moved the shortest distance. The biggest motivations for people above age 55 who purchased a new home were: the desire to own a home of their own, being closer to friends and family, and living in a better area.
Sellers 65 to 73 years (Older Boomers) made up the largest shares of sellers at 23%. Those who were 55 years and older often purchased a similarly-sized, but less expensive home than they sold while moving further away.
Chapter 1: Characteristics of Home Buyers
Characteristics of Home Buyers covered trends among married couples, unmarried couples, single buyers, and buyers with children under the age of 18. Sixty one percent of buyers between ages 30 to 39 had at least one child under the age of 18 residing in their home. 👶
Do you have children? If the answer is yes, or if you are planning to in the near future, you should consider the following 5 key items when searching for a home:
1. School districts
2. Access to local services and amenities
3. Privacy
4. Safety
5. Storage
Chapter 2: Characteristics of Homes Purchased
Home Inspection:
39% of recent buyers who purchased new homes were looking to avoid renovations and problems with plumbing or electricity.🔌🔨🔧💡
Before buying a home, it is always important to check the exterior for any damages. According to the National Association of Realtors Report for 2020, windows, doors, and siding were very important factors that mattered to home buyers between ages 65 – 73. It’s always a smart idea to hire a professional to inspect the interior and exterior of a home before making an offer. Here is a list of 9 Important Exterior Items to Check When Buying a Home:
Foundation
Grade of Property
Settling
Downspouts
Roof
Chimney
Windows
Siding
Concrete Stoops, Patios, and Walks
** It is worthwhile to note that the damages on this list don’t necessarily mean you should cancel a potential purchase, but you should get information on whether or not these things will be fixed and how they might be accounted for in the price. If you have any questions or are looking for home inspector referrals, reach out to be connected to a Total Mortgage loan officer and we can make sure you get the quality in a home that you deserve!
COMMUTING:
Commuting costs were very important at 45% for buyers 22 to 29 years.
Deciding where to buy a home starts with finding a neighborhood that fits your lifestyle and has a cost of commuting that you’re willing to accept. Most people are still working from home, however not everyone is so lucky.
Did you know that the average one-way commute time for most Americans is 26.1 minutes? 🚗 For people who work 5 days a week, that adds up to an average 4.35 hours weekly! This may not seem like a lot but reality kicks in when you start to consider gas money, mileage, funds for public transportation and more. So, if you are looking to buy a new home, make sure you choose a location that makes the trip to work worth it! 😊
Chapter 3: The Home Search Process
According to the National Association of Realtors Report for 2020, the most important website feature were photos for nearly nine in 10 buyers under the age of 55.If you are looking to sell your home, it’s important to have professional pictures and sufficient property information listed online. 📸 Detailed information about properties for sale were also very important to all age groups.
Now, you might be wondering; how long does it typically take to find a new home? According to the National Association of Realtors Report for 2020, buyers typically searched for 10 weeks and looked at a median of nine homes.
Chapter 4: Home Buying and Real Estate Professionals
Why you need a Real Estate Agent:
Are you a pro at negotiating? 🤝 Do you like doing loads of paperwork? 📄 Most likely the answer is “no” because ain’t nobody got time for that! In 2020, it was reported that the majority of home buyers between the ages of 22 – 29 and 74+ wanted an agent to help with paperwork. Agents not only specialize in negotiating and understanding contracts, but they also are power players when it comes to getting the paperwork taken care of.
Home Buying Process:
Do you know how the home buying process works? 🤝🏡💵If not, that’s okay! Actually, most people don’t fully understand how the home buying process works from start to finish. According to the National Association of Realtors Report for 2020, help understanding the purchase process was most beneficial to buyers 29 years and younger at 85 percent and for buyers 30 to 39 years at 69 percent.
Regardless of age, the majority of people really benefit from having assistance with the home buying process. To gain a better understanding, check out the graphic below. Now is the time to start making moves towards finding your dream home!
Chapter 5: Financing the Home Purchase
Saving for a Down Payment:
If you are a prospective first-time home buyer struggling to save money for a down payment, you aren’t alone. According to the National Association of Realtors Report for 2020, 13% of all buyers cited that saving for a down payment was the most difficult step in the home buying process. If you’re looking to buy a home but need help saving, check out these tips on How toSave for a Down Payment on a First Home: https://www.thebalance.com/how-to-save-for-a-down-payment-on-a-house-1289847
Student Debt:
Debt hindered prospective home buyer’s ability to save for a down payment by a median of four years and came primarily from student loan debt.
Most people don’t know this but you can still get a mortgage if you have student debt! A lot of first-time home buyers worry about qualifying for a mortgage while still owing student loans. In 2020, 24% of all buyers reported having student loan debt with a median amount of $30,000.
If you are someone who has student loan debt but want to purchase a home, check out this article on How to Buy a House Despite Student Debt: https://www.cnbc.com/2020/01/31/have-student-debt-you-can-still-get-a-mortgage.html
Build Your Savings:
Even without debt, saving money for a down payment can feel like a struggle. Are you wondering how you can alter your spending habits to increase your savings? According to the National Association of Realtors Report for 2020, it was most common for buyers to cut spending on luxury/non-essential items, and on entertainment to save for their home purchase.
Saving efficiently starts with small habits that stay consistent over time. Here are 10 tips to help build your savings:
1. Transfer a fixed amount into a special savings account every month.
2. Skip vacations for a year.
3. Lower your expenses.
4. Reduce your high interest rate debt.
5. Borrow from a relative.
6. Borrow from your retirement plan.
7. Sell some of your investments.
8. Get a second job.
9. Make a deal with the seller.
10. Look into down payment assistance.
Chapter 6: Home Sellers and Their Selling Experience
Equity:
CHA-CHING! 💸Want to know how to get the most equity out of selling your home? Recently sold homes were typically on the market for a median of three weeks and sellers made a median of $60,000 in equity from their sale. If you want the most value, check out these important tips: https://www.opendoor.com/w/blog/how-to-sell-your-house-for-the-most-money
Understand your local market
Choose the right time to sell
Set the right price
Understand how much it really costs to sell a home
Determine how you’re going to sell
Consider minor renovations that add value at minimal cost
Negotiate the best offer – not just the highest offer
Incentives:
Offering different incentives can help attract buyers and potentially increase the value you can get from selling your home! 🏡 According to the National Association of Realtors Report for 2020,34%of all sellers offered incentives to attract buyers. This varied across age groups where it was less likely for sellers 74 years and over to offer incentives and more likely for sellers 55 to 64 years.
Buy down their interest rate
Include furniture or window coverings
Credit for non-recurring closing costs
Offer buyers’ brokers higher commission
Credit for “Close By” date
Chapter 7: Home Selling and Real Estate Professionals
According to the National Association of Realtors Report for 2020, All generations of buyers continued to utilize a real estate agent or broker as their top resource to help them buy and sell their home. While the internet is increasingly incorporated as an important tool in the process, buyers needed the help of a real estate professional to help them find the right home, negotiate terms of sale, and help with price negotiations.
If you are someone who is looking to buy or sell a home, here are 5 reasons why it is wise to utilize a real estate professional: https://www.forbes.com/2010/05/25/why-you-need-real-estate-agent-personal-finance-commission.html?sh=6d0aede94496
Better Access/More Convenience
Negotiating is tricky business
Contracts Can Be Hard to Handle
Real Estate Agents Can’t Lie
Not Everyone Can Save Money
Please feel free to reach out to us at Total Mortgage with any questions!