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Welcome to NerdWallet’s Smart Money podcast, where we answer your real-world money questions. In this episode:

Discover how to revamp your finances with a 30-day money cleanse that aligns your spending with joy and personal values.

How can you set a budget that aligns with your goals?

How can you optimize your spending to reduce waste?

NerdWallet’s Kim Palmer talks to Ashley Feinstein Gerstley, author of The 30-Day Money Cleanse, to help you understand how small changes can make a significant impact on your financial health. They begin with a discussion of the financial cleanse, with tips and tricks on aligning spending with personal values, creating lasting habits in 30 days by using a method that has saved others an average of $950 over 30 days — without feeling deprived.

They also discuss money management tactics that include keeping a money journal, practicing visualization and having money parties. They discuss the benefits of recording feelings associated with each purchase, indulging in simple low-cost activities that bring happiness and aligning spending with personal values for a more satisfying approach to personal finance.

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Episode transcript

This transcript was generated from podcast audio by an AI tool.

Sean Pyles:

Welcome to NerdWallet’s Smart Money Podcast. I’m Sean Pyles.

Kim Palmer:

And I’m Kim Palmer.

Sean Pyles:

On Smart Money, we’re all about answering your money questions big and small, ambitious and easy. This episode we’re taking on an especially ambitious question, how can you transform your finances in 30 days? And Kim is here in her role as the host of our regular book club series to guide you through this conversation. So Kim, who are you talking with?

Kim Palmer:

I’m speaking with Ashley Feinstein Gerstley, author of The 30-Day Money Cleanse, which is the focus of our conversation today. Feinstein Gerstley is also the founder of The Fiscal Femme, which offers online money courses, and she’s also a certified financial planner and a financial coach.

Sean Pyles:

Sounds great. Well, I will let you take things from here.

Kim Palmer:

Ashley, welcome to Smart Money.

Ashley Feinstein Gerstley:

Thank you. Thank you so much for having me.

Kim Palmer:

So Ashley, let’s start with what is a financial cleanse? Does it involve lemons and vinegar?

Ashley Feinstein Gerstley:

You’d think, right? You’d think that it would have some interesting food items as well, but it is about letting go of the things that don’t bring value to our lives and realigning and rethinking how we spend our money so it can be more conscious and intentional.

Kim Palmer:

What do you like about the financial cleanse concept? Because I think you’re right, we usually apply that to food. So what is it you like about applying that to money?

Ashley Feinstein Gerstley:

Originally when I created the program, it was actually created after a food cleanse in the same format because I think food and money are very similar. They are both emotionally charged. There’s so much more to them than just the numbers. And that’s what I was seeing over and over with clients is that sometimes we don’t have the education and we aren’t sure what we should be doing, but then even once we know what we should be doing, oftentimes we’re not doing it and that’s where our money mindset came in. And so The Money Cleanse definitely helps us shift that and put together that plan over the course of the 30 days.

Kim Palmer:

And what is it about 30 days? Why did you choose that versus a week or six months?

Ashley Feinstein Gerstley:

30 days gives us enough time where it’s that first week when we do something, we can feel really excited and have a lot of momentum. And then in maybe week two, week three is where it can get challenging and where we might end up giving up. And so I think a lot of the transformation in The Money Cleanse happens in those two and three weeks. And also there’s just a perfect amount of content to cover over the course of four weeks because we don’t want to take on too much. We all have a lot going on. We have jobs and social lives, but there’s a lot to cover. So if we are able to break that down into more bite-sized weekly chunks, I thought that was a really great format for The Money Cleanse. And even though it is called a cleanse, the idea is at the end you have a new lifestyle that lives on far long after the cleanse.

Kim Palmer:

We’re definitely going to get into all of those details in a minute, but first I wanted to ask you what you learned personally the first time you applied this to yourself. How did it go and what did you learn from it or change?

Ashley Feinstein Gerstley:

A lot of the concepts were concepts that I applied to my own life as I was learning and not in any given order, but what I found is that working with people across different goals and income levels, I was saying a lot of the same things over and over again and a lot of the lessons that I learned and provided me with a lot of transformation worked really well in this money cleanse format where we first focus on ourselves and then also on the environment around us. I think a lot of times we think of our own money lives, but so much of our lives are interacting with our family, our friends, our coworkers, and so how does that work with our finances as well?

Kim Palmer:

The numbers you share in the book I thought were pretty shocking. You say that according to your research, the average participant saved $950 over 30 days, and that is more than 20% of their pretax income on average. That’s amazing. Where are these savings coming from?

Ashley Feinstein Gerstley:

Honestly, a lot of it is just from intentionality. The coolest part about that stat to me, I was very thrilled always at the end of The Money Cleanse program. I ran it live for five years before turning it into a book, I would ask people at the end about their results and really understand what their income is and how that savings kept going. I think a large portion of that savings was happening month after month after The Money Cleanse, but I think the best part was that they mostly didn’t feel deprived and that it wasn’t like, “Oh, I’m staying home and eating canned beans every night in order to save that $950.” It was a lot of shifts and a lot of things that actually didn’t feel bad to them, which makes something that you’re able to keep going and keep consistent.

Kim Palmer:

Yeah, I think that goes back to what you were mentioning before in that you don’t want to just do this for 30 days, but it’s about setting up some new habits and some things that really stick with you.

Ashley Feinstein Gerstley:

Yes, exactly.

Kim Palmer:

So who would benefit most from doing a 30-day financial cleanse? Is there anyone who doesn’t need it, like Elon Musk?

Ashley Feinstein Gerstley:

Honestly, I’ve found that most of us will benefit from a money cleanse. I’d say the more you don’t want to do it, the more you probably will benefit. One of the exercises we do is keep a money journal, much like a food journal, where you just write down everything that you spend and earn. And I found that the people who dread doing that the most, have the most to gain from actually taking a look.

So I’d say I really think it’s something that most of us will benefit from regardless of our income, because what I found with working with clients across income ranges is you really can’t out earn it. We might think, “Oh, if I just make more money, I’ll finally start saving the way I’d like to.” And then you get the raise, get the promotion, this happened to me over and over again and next thing I know at the end of the month, I’m not saving a lot more than I was before. So I think we might imagine that doubling our salary or getting the raise will actually be the fix that we need, but then somehow our expenses tend to creep up, and that’s where The Money Cleanse can come in.

Kim Palmer:

I know like you said, it varies based on each person, but are there some common things you notice people cutting back on to find those savings? For example, for me, I know when I really focus on it and I short term stop myself from spending, it’s all about those recurring purchases on Amazon, for example, that are so easy to buy quickly. Are there some examples of expenses that people did find relatively easy to cut and really stick with it?

Ashley Feinstein Gerstley:

I would say some common offenders, definitely technology has made it so much easier to spend money and that just keeps getting easier and easier. So I would say Lyfts and Ubers were a shocker to a lot of people. Takeout. UberEats now is one that people complain about a lot. Any daily habits, if you’re grabbing lunch every day with your coworkers or a snack or smoothies. And also just the grocery store in general, which with prices where they are, it’s really hard to decrease spending there, but it is something you can strategize with and try.

Kim Palmer:

Yes, what you’re saying makes a lot of sense. Let’s get into the nitty-gritty a little bit for someone who really wants to try this and get started. When you talk about beginning your 30-day money cleanse, you suggest signing an agreement with yourself and you are acknowledging it’ll be hard, but you’re going to make it a priority. Can you explain why that can help?

Ashley Feinstein Gerstley:

I think often when we start something, and I mentioned this earlier, we can have a lot of energy around it, be excited around it, but I find just going through and thinking through what this commitment actually is, how much time I want to dedicate to it, it’s just a different level of commitment and promise to ourselves. And so along the way, any way that I can, have people feel more accountable or more dedicated to their money cleanse, I want to do it.

The other thing which you’ll notice throughout the book is that over and over again, I am allowing people to make mistakes, to forget to keep their money journal, to feel like they’re completely fallen off the wagon because that’s what happens to all of us. And I’ve noticed that we tend to want to do The Money Cleanse when it’s a week where we have no plans and we’re not going to be spending a lot of money, but it’s actually really great to do it when your life looks typical. Maybe it could be during the holidays when it’s extra challenging or you have a lot of plans with your friends, because that forces us to create a cleanse that works with our life as it actually is, not this time where you can just stay home and cook dinner every night.

Kim Palmer:

You also write about practicing visualization and how that can help people stay on track. How does that work? What does that look like exactly?

Ashley Feinstein Gerstley:

There’s some very cool research about how our mind works when we see things and believe that they are true and can visualize them. I also find a prompt that’s so helpful is to think about someone, let’s say if my goal is to save X number of dollars or to feel a lot more peace of mind with my money, I think there can be very objective goals, but then also more feelings based like, “This is how I want to feel and interact with my money” and thinking about, “Okay, if I were that person, what decisions would they be making?” It allows us to try it on and it also puts our brain to work making that reality happen and reconcile it.

Kim Palmer:

You have already mentioned money journals a few times. I want to understand that better. So what does your money journal look like? Does it help to have everything written out? Is it like any other journal?

Ashley Feinstein Gerstley:

I think the more challenging it sounds to you, the simpler I would recommend keeping it. So the simplest form is the item and the amount. And it can be if you are someone who loves writing things, I have the worst handwriting, but when I’m thinking or trying to brainstorm, I love writing by hand. So if you have a journal you’d like to keep it that way, definitely write it out by hand. But you can also keep it on notes in your phone and use an app. As long as you’re manually entering it in, that part is really important for registering the expense. You can get more fancy with it, more creative. If you want to take note of how you felt before an expense or how you felt after, that can also be really helpful. But I think at a minimum, just the item and the amount is great.

Kim Palmer:

Oh, okay. That’s so interesting. So you would write down every single thing that you spend. And then I like your add-ons as saying how it made you feel. I think I would go that route because I love keeping a detailed journal. So you can say how it made you feel and then does that help inform your future spending decisions?

Ashley Feinstein Gerstley:

I think it does because what happens is you reflect and realize on any expenses that do not feel good afterward, you might notice a common feeling beforehand. So something that happened with a bunch of people who’ve taken the money cleanse is they’ve noticed when they needed a break from work, they would leave the office and go on a walk. They needed that break. They were craving some kind of R&R after working really hard on something, but that might lead to a purchase that they didn’t feel great about. Maybe it was window shopping, then they ran in and bought something they didn’t even know they needed, but now they needed, or they used that time to grab lunch and they didn’t really even enjoy the $16 salad that they were getting. I think noticing how you’re feeling before, especially if how you’re feeling after is opposite or a feeling that you would like less of could be really beneficial and helpful information.

Kim Palmer:

One of my favorite tools that you talk about is focusing on frugal joys. And you include a list of things that sound so appealing, but they’re also free or very inexpensive, things like having a picnic, calling an old friend or taking a free online class. How can focusing on those frugal joys help?

Ashley Feinstein Gerstley:

I’m such a fan of frugal joys too, and while I list out a hundred of them, there really are limitless frugal joys. What actually brings us joy can be very different for each of us. So something that I love doing, someone else might say that sounds horrible. But that’s kind of the fun of it, is testing them out and see where we can add joy in our lives. They’re a great tool. If you want to trade out some joys that cost money for some free or inexpensive ones, that’s great for creating room in a budget. Or if you just want to add joy to your life, you can just start working in those frugal joys. Starting with just trying to find a couple a week I think is great, but if you can incorporate some frugal joys and focus on that joy and really relish in it, that’s a practice that is great for money and just life in general.

Kim Palmer:

You also talk about really thinking hard about your values and what’s important to you, the trade-offs that you are willing to make. For example, maybe you would give up buying that expensive coffee every day if it meant you could go on a big vacation at the end of the year instead. So how do you recommend thinking through your values and what trade-offs make sense for you?

Ashley Feinstein Gerstley:

This was something that really opened my eyes because I often thought of our spending as, “Oh, this is what people do.” I never thought of it as a real opportunity cost. Every time we spend a dollar, we are losing the opportunity to spend it in a different way or to save it. And so in a lot of cases, people are rearranging their spending. They’re not even changing a behavior in order to save. They can be changing a behavior in order to spend it in a different way that will actually bring them more joy.

It’s kind of a bummer at first to realize we can only use or spend our dollar one time, but then it’s also very liberating and creates a sense of intention with how we use our money. And I find that when we look at our spending, and this is something that I recommend doing in any budget, in The Money Cleanse, is looking at each expense in terms of how much you spend on it each year that can allow you to say, “Okay, if I brought my lunch to work, which can feel like a hassle, or sometimes people are going into the office less, maybe both times they go in bringing lunch instead of getting it out or doing it one time instead of doing takeout twice, how much does that save me per year? And is there anything else I’d rather do with the money?”

In The Money Cleanse, we think about the things that bring us the most joy that cost money, and we look at each of our expenses in terms of those things. So for me, especially when I started this money journey and was doing these exercises, I really thought I couldn’t afford to take a trip, but when I added up those daily habits, it was clear that I could if I made some changes, and that was really motivating to me. And it could also be money that you put towards a goal as well, not necessarily other spending. So I find it to be a really powerful exercise to decide what is worth it to us. And the cool part is that there’s no right or wrong answer. Something might be just worth it to you and you decide to keep it and it might not be, but now at least truly which item you want to be spending your money on.

Kim Palmer:

It’s so amazing how quickly those small expenses add up when you look at the whole year, like you said. I think that is such a powerful way to think about it.

Ashley Feinstein Gerstley:

It gives you the true number that you’re working with instead of, “Oh, this thing could never add up to that,” or “I can’t afford to do that.” And also thinking of it in terms of other things like it could be a monthly massage that just felt so out of reach but now feels, “Oh, if I just did this, I could get that.” Or the trip or savings or paying down a credit card, whatever it is.

Kim Palmer:

Let’s talk about how to stick with it after the 30 days. So say someone applied these tools and had a great 30 days and just wants to make sure to extend that. How can we keep it going?

Ashley Feinstein Gerstley:

My favorite financial habit is having money parties. Money parties are time we set aside every month or even every week depending on what you prefer to show our money some love. The main things that I’d recommend doing in your money party is definitely look at how your spending and earning looked for the last period. If it was a week, if it was a month, checking in on any goals, checking in on any guidelines from your money cleanse that you’re trying to continue to live by and what challenges came up. And if they did, instead of punishing ourselves, think “Interesting. What other strategies can I use to stick with them?” And I call them parties for a reason. I think we can make them fun and something that we look forward to.

I have a really fun money party playlist that I’m happy to share, but it’s basically songs that pump me up about money and I get in my PJ’s, I get a cup of tea and I reward myself after, then I’m done with my money party. So there are ways to make it a time that we look forward to and just to set up that calendar reminder so that it’s not something that we put off for months and months.

Kim Palmer:

Yes. I’m so glad you brought up the money parties. And let’s just explain to people what money parties are exactly, because it’s not necessarily… You’re not inviting a ton of people over, right? It can just be with yourself.

Ashley Feinstein Gerstley:

Yes. I would say most money parties are with yourself. If you have a long-term partner, if you’re part of a family, you can definitely bring them in on it. They don’t have to be there the whole time, but the more we’re on the same page with partners and families, the better. I’ve had people do them with friends as well, even digitally. I used to run digital money parties where we would do them all together online. But then you can go out with your friends after. You can go on a date night after. But generally it’s great to do them on your own as well.

Kim Palmer:

That sounds perfect. Well, thank you, Ashley. Any final thoughts to share to leave people with?

Ashley Feinstein Gerstley:

I think the overall thought I’d leave everyone with is that the whole idea of The Money Cleanse is that small shifts and small changes and little steps that feel manageable and accessible can make a huge difference and we can make big progress over time. So it doesn’t have to be hard. It can be fun and you can do it.

Kim Palmer:

Thank you. That is a great message to end on. Ashley Feinstein Gerstley, thank you so much for joining us today.

Ashley Feinstein Gerstley:

Thank you so much for having me and for this great conversation.

Kim Palmer:

That is all we have for this episode. To share your thoughts on talking about finances with your family, shoot us an email at [email protected].

Sean Pyles:

Visit nerdwallet.com/podcast for more info on this episode. And remember to subscribe, rate and review us wherever you’re getting this podcast.

Kim Palmer:

This episode was produced by Sean Pyles and myself. Tess Vigeland helped with the editing. Sara Brink mixed our audio. And a big thank you to the folks on the NerdWallet copy desk for all of their help.

Sean Pyles:

And here’s our brief disclaimer. We are not financial or investment advisors. This nerdy info is provided for general educational and entertainment purposes and may not apply to your specific circumstances.

Kim Palmer:

And with that said, until next time, turn to the Nerds.

Source: nerdwallet.com

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As we navigate the spaces we call home, there’s an inherent desire to create a living space that feels warm, comfortable, and connected. In this Redfin article, we will look into 16 creative and meaningful ways to bring love into your home. From thoughtfully chosen decor and aromatic additions to personal touches that resonate with cherished memories, these suggestions aim to transform your living space into a haven of love. So whether you’re looking to bring love into your home in Medford, MA, or apartment in Portland, ME, embark on this journey to discover how simple, intentional choices can significantly enhance the love-filled ambiance within the walls of your home.

1. Display large artwork

Incorporating large artwork into your home serves as a great way to bring love into your living space, as it adds visual appeal and reflects personal taste and emotions.

“Any large artwork that depicts love or people working together in harmony is a great way to bring love into your home. Be sure to position it in your hall so it is the first thing you see or in your living room,” notes consultant Feng Shui West Country.

2. Decorate with a custom area rug

Bringing a custom area rug into your home offers functional and stylish benefits. 

“It helps define and delineate different living spaces within an open floor plan, creating a sense of organization and intimacy. A custom rug allows you to express your unique taste and tie together various design elements, adding warmth, texture, and personality to your living space,” states family business The Carpet Workroom.

3. Clean with your loved ones 

One of the keys to bringing love into a home is to approach house cleaning with a positive mindset and a focus on creating a loving and harmonious environment. 

“Involve your loved ones in the cleaning process to promote teamwork and togetherness,” shares Le Vvintre Living Luxury Cleaning Services. “Assign appropriate tasks to each person and work together to clean and organize the home. This not only lightens the workload but also strengthens bonds and fosters a sense of unity.”

“Nothing says you care like a home that’s not only clean but also radiates a welcoming scent that hugs you the moment you walk through the door. Imagine the gentle fragrance filling your home, creating an atmosphere where love thrives in every corner,” adds Affordable Cleaning Today.

4. Hand-select consignment home decor 

Hand-selecting consignment home decor infuses each piece in your home with unique character and history, creating a personalized and curated living space that reflects your individual style.

Lori Schroeder of Consign Couture remarks, “Transform your living space into a haven of love by carefully hand-selecting consignment home décor that resonates with your style. Explore local consignment shops or online platforms to discover unique pieces that evoke positive emotions, memories, and love.”

5. Bring in candles

Introducing scented candles into your home is a delightful way to bring love into your space, as the soft, warm glow creates an intimate and cozy ambiance.

“Nothing whispers ‘I love you’ quite like the soft flicker and warm scent of a beautifully crafted candle,” says luxury candle company melt. “Imagine a candle that blends the sultry notes of rose with the exotic whispers of orchid, setting the stage for those oh-so-precious moments of connection. It’s like a love letter but in fragrance form.”

6. Think in pairs of two

Reiko Gomez of Reiko Home recommends, “In the bedroom, create balance and harmony in by having two bedside tables and two table lamps that are relatively equal in size and style. Think of ways to make your bedroom feel like a cozy cocoon of rest. For example, adding a plush rug, pretty bedding and thick curtains, of fresh cut flowers. A space that feels serene, soft, and inviting attracts good experiences into your life.”

Rose quartz crystals are believed to emanate a gentle and compassionate energy.

“In Feng Shui, love is associated with the element of earth, shares transformation expert LMG Creative. “Bring loving earth energy into your home with two rose quartz crystals. Ensure the pair is balanced in size to symbolize an equal partnership.”

7. Bring in love through floral designs

Incorporating floral design adds a touch of nature’s beauty, infusing the space with freshness and positivity. 

Designer Avalana Simpson from Avalana Design comments, “Romantic florals in interior design will always stand the test of time. There’s something about hand-painted cascading flowers in full bloom, which brings a level of warmth, love, and contentment to a space. Often, flower power is overlooked for bedrooms, but intricate oversized blooms are perfect for adding a little love.” 

8. Decorate with flowers

Flowers’ vibrant colors and natural fragrances create a visually appealing and emotionally uplifting atmosphere, thus bringing love into your home. 

“Flowers are consistently a quintessential way to bring feelings of love into your home. From the sweet fragrance to the eye-catching color palette of a spring bouquet, bright blossoms emit an aesthetic that elevates your mood,” says flower company Fleurish Floral Studio.

“Try introducing fresh-cut flowers for a touch of natural beauty and freshness in your home while creating a warm and inviting atmosphere with soft lighting to enhance feelings of comfort and connection,” adds cleaning service Elite Maids RVA.

Photo courtesy of Fleurish Floral Studio

9. Hang photos of loved ones 

Hanging photos of loved ones is a heartfelt way to bring love into your home, as the visual reminders of cherished moments and relationships.

“Hanging a framed photo of loved ones or special moments in your life can create a positive and nostalgic atmosphere in your living space. They also serve as great conversation starters as guests will inquire about the story behind the photos,” shares Kyle Cong Photography.

Brindy Ruby Photography says, “One of my favorite ways to bring love into my home is through photographs. The best photos to hang up are the ones where there is a true connection between loved ones. This could look like giggles while running through a field or snuggles on the couch.”

“Photos are a great way to bring love into your home. Display some in photo frames on shelves or cluster them together on a living room wall. A scrapbook or photo album can hold more loving memories. If you prefer digital, there are several digital photo frames that keep a slideshow of all of your favorite photos and can be updated at any time,” adds Leslie and Carlos of Absolute Luxury LLC.

10. Bring in plants

Taking care of plants fosters a sense of responsibility and connection with nature, contributing to a home environment that radiates love, care, and a touch of the outdoors.

“To bring more love into your home, fill it with things you love,” recommends watercolor painter My Giant Strawberry. “I’m an artist and a gardener so I always need to be surrounded by plants and art. Think about what brings you the most joy, whether it’s a reminder of those you love, mementos from special trips, or even just your favorite colors.”

“The bathroom rarely receives the kind of interior design attention our living rooms or bedrooms enjoy. Still, these smaller, occasionally steamy spaces are the perfect environment for all sorts of potted pals. Spider plants thrive in bathrooms due to their ability to tolerate low light and high humidity levels, for example, and it’s a similar story to the ever-in-vogue Monstera. Don’t be worried about accidentally killing them, either. Both of these specimens are extra hardy and require very little care,” adds Plant Studio.

11. Create a cozy corner

“We love the ‘cozy corner’ trend,” states luxury gift company MyCOCCO. “It’s all about carving out a little nook of comfort and tranquility in your home. Drawing inspiration from the Danish hygge concept, which is all about coziness and finding joy in the simple things.”

Add a snug armchair with a fluffy blanket thrown over it, a small shelf within arm’s reach stocked with beloved books, and a soft lamp casting a warm glow. This spot can become a private retreat for enjoying those quiet moments of reflection or losing oneself in a good read, creating the perfect backdrop for love to bloom in the simplest of activities.

12. Scent up your space

The subtle aroma of scents like vanilla, lavender, or citrus can foster a loving and cozy atmosphere.

“One of the ways to bring love into your home is through fragrance. This could be in the form of candles, diffusers, and room sprays. Pick up a candle or reed diffuser on your next grocery shopping trip and bring love into your home,” recommends candle business Nneka’s Candle Blog.

“If you’re looking for a fragrant welcome to your home, why not try a reed diffuser in your hallway or porch? There are many refreshing scents like Rhubarb & Ginger Gin with a touch of lime. Bring some love back into your bathroom with a eucalyptus and peppermint room spray with a built-in odor eliminator, making it the perfect choice to freshen any room,” shares scent company Lumiescents.

13. Paint the walls in a different color

Selecting warm and soothing tones can also create a loving environment.

Brilho Cleaning Services says, “Consider using warm and inviting colors like soft shades of red or muted tones of pink to create a cozy atmosphere in your home. Opt for colors that resonate with positive emotions, bringing a sense of warmth and connection. Balance vibrant hues with neutral tones for a harmonious and comforting environment.”

14. Hang plates on your walls 

Hanging plates is a charming way to bring love into your home, as the carefully arranged display not only adds a touch of personal style but also reflects a sense of cherished memories. 

“One way I bring love into our home is to decorate with plates we find at stores,” notes photographer Jeanna Hayes. “Sometimes, they have special meaning to us, and other times, we just like the pattern and buy it while we are together at the store. We are always on the hunt for our plate wall.”

Photo courtesy of Jeanna Hayes 

15. Adding cool furniture pieces

Adding carefully chosen furniture pieces to your home is a thoughtful way to bring love, as each item can contribute to making the space feel like your own.

“Enhance the love in your home by incorporating comfortable and inviting furniture, creating spaces that encourage togetherness and relaxation,” shares mindfulness expert Still Jacey. “Select pieces with sentimental value or unique designs that resonate with your personal style, infusing warmth and personality into your living spaces.”

“My Uncle John would probably roll over in his grave to see his favorite chair covered in pale coral and pink. But I loved my Uncle and the memory of him sitting in his cozy, comfy chair with brown upholstery,” remarks florist Camrose Hill. “Instead of getting rid of the chair, I transformed it by upholstering it into something that fits my space and that I love.”

16. Host dinner parties 

Hosting dinner parties and wine nights is a delightful way to bring love into your home, fostering a sense of connection and warmth through shared meals and good conversation.

“I love hosting dinner parties and wine nights for friends and family, which has resulted in the most beautiful memories in this space. I believe that the best parts of a home aren’t the physical items you have in it, but the people who are there to share moments with you,” shares photographer Taylor Rossi.

Source: redfin.com

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Embark on a quest for the perfect home decor accessory that aligns with your unique style and elevates your living spaces. The market is teeming with options, but navigating this realm requires thoughtful consideration. Whether you desire a vibrant splash for your living room or a warm embrace for your bedroom, the possibilities are vast. Drowning in choices is inevitable, yet the transformative potential of the right decor piece is unparalleled. From nuanced accent pillows to captivating wall art, each accessory holds the key to reshaping your home into a haven of style and comfort. Immerse yourself in the realm of home decor accessories for a curated transformation.

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Somewhat pricey
Sullivans Ceramic Vase Set Distressed White

Enhance your home decor with the Sullivans Vase Set, an ideal addition to any space. This farmhouse-inspired set boasts a generous size, making it a captivating centerpiece for tables or shelves. The distressed finish exudes rustic charm, creating an aesthetic that elevates every room. Beyond their visual appeal, these white vases offer easy cleaning and maintenance. Versatile enough for the kitchen, bedroom, office, living room, or bathroom, this set is a must-have for any home. With its affordable price, the Sullivans Vase Set delivers exceptional value and style for your investment.

Rated 9.7 based on 10
Versatile for different rooms, Boho & farmhouse aesthetic, High quality centerpiece and accessories
Actual size is smaller than anticipated
Ceramic Vase for Minimalist Decor (2pcs)

Introducing the White Ceramic Vase – a minimalist gem with remarkable versatility. Its hollow, round form and matte finish infuse a modern aesthetic into any space, offering ample space for pampas flowers or other greenery. From weddings to everyday use, this vase exudes a boho chic vibe on dinner tables and shelves. The set includes two pieces, delivering exceptional value at an affordable price. Elevate your home with sophistication through the understated charm of the White Ceramic Vase.

Rated 9.5 based on 10
Modern minimalist design, Made from high quality ceramics, Create beautiful dining table centerpie
Not suitable for large spaces
Putihac White Ceramic Vases Set of 2

Embark on a minimalist journey with the White Ceramic Vases, perfect for displaying pampas grass and flowers in a chic and stylish way. The round matte donut design adds a touch of elegance to any room, making it an ideal choice for home decor enthusiasts. This set of two vases is generously sized and surprisingly easy to maintain, ensuring long-lasting durability. With its affordable price point, this product offers great value for money and is a must-have for anyone looking to elevate their home decor game.

Rated 9.3 based on 10
Minimalist design, Versatile use, Extreme handcrafted quality
Smaller than expected
Carrot

Step into modern home elegance with Carrot’s Den Donut Vase, a minimalist Nordic-style ceramic masterpiece. Affordability meets design in this hollow marvel, facilitating effortless floral arrangements. Ideal for tables, living rooms, bookshelves, or offices, the set of two provides exceptional value. Whether you seek a boho or wedding vibe, the Carrot’s Den Donut Vase effortlessly injects a touch of elegance into any space, making it the perfect addition for those who appreciate both style and budget considerations.

Rated 9.1 based on 10
Minimalist Nordic Style, Versatile for various settings, Perfectly handy size
May not best for bigger space
Levvohd Ceramic Vase Set of 2

Elevate your home décor with the Levvohd Ceramic Vase Set, seamlessly blending Nordic minimalism with modern design. Perfect for showcasing your favorite flowers, these eye-catching vases boast a unique donut shape. Whether adorning your living room, entryway, or coffee table, their generous size and easy cleaning enhance their value. Priced affordably, this set combines beauty and practicality, ensuring your space receives compliments for its stylish transformation. Dive into the world of Levvohd, where elegance meets affordability in perfect harmony.

Rated 8.8 based on 10
Made of high quality ceramics, Versatile for various decor styles, Hollow design adds visual interest
Size is smaller than expected
COTYNI White Ceramic Vase Set of 2

Delve into the realm of modern home decor with this exquisite pair of ceramic vases. The round matte donut design adds a touch of neutral boho Nordic minimalism, suitable for various occasions from living room to wedding table party. Generously sized to showcase your favorite flowers or pampas grass, these vases embody elegance effortlessly. Surprisingly easy to maintain and budget-friendly, this minimalist set is a standout addition for those seeking a touch of sophistication in their office or bedroom. Elevate your space with this essential vase set, where style meets practicality.

Rated 8.7 based on 10
Extreme craftmanship, Versatile use, Durable material
May be too small
Marycele Book Vase for Flowers

Explore the world within the pages of books with the Marycele Book Vase, a seamless blend of functionality and aesthetics. Ideal for book lovers, this surprisingly easy-to-use vase effortlessly complements your decor. Generously sized, it accommodates your favorite flowers, infusing a touch of nature into your living space. Beyond being a mere vase, it serves as a captivating addition to your home, fostering a closer connection to nature. Best of all, it’s an affordable transformation for your space, making it an excellent Thanksgiving gift or a self-indulgent addition to elevate your home decor.

Rated 8.5 based on 10
Unique book vase design, Economical price, Versatile room decor piece
Need extra care to avoid scartches

FAQ

Q: Where can I find affordable home decor accessories?

A: Navigate the realm of budget-friendly home decor accessories through curated online platforms like Etsy, where unique and economical options abound. Explore the offerings of Wayfair for a diverse selection at reasonable prices. Local thrift stores and flea markets often hide affordable gems, while discount retailers and clearance sections unveil stylish accessories without compromising your budget.

Q: How do I choose the right home decor accessories for my space?

A: Selecting the ideal home decor accessories involves assessing your space’s aesthetic, considering your style preferences, and focusing on functionality. Harmonize elements by choosing accessories that complement your existing decor. Opt for items that resonate with your personal taste and contribute to the overall ambiance. Experiment with diverse textures, colors, and sizes to curate a cohesive and visually appealing arrangement that elevates your living space.

Q: Can I find affordable yet high-quality home decor accessories?

A: Certainly! Unearth top-notch yet budget-friendly home decor treasures through online marketplaces, thrift store gems, and savvy brand selections. Delve into the realm of cost-effective options, where quality and affordability converge seamlessly. Transform your space without breaking the bank by exploring accessible avenues for stylish and well-crafted home decor accessories.

Q: Are there eco-friendly options for home decor accessories?

A: Absolutely! Dive into sustainable home decor choices with eco-friendly materials like recycled glass, reclaimed wood, and organic fabrics. Numerous brands prioritize environmentally conscious practices, ensuring your decor doesn’t compromise the planet. Look for certifications like FSC or GreenGuard, and explore the growing array of stylish, sustainable options to adorn your space with guilt-free, planet-friendly flair.

Q: How often should I update my home decor accessories?

A: Refreshing your home decor accessories is subjective but consider adapting with changing trends or personal tastes every 3-5 years. It’s not just about following trends; it’s ensuring your space stays vibrant and resonates with your evolving style. Stay attuned to your preferences, and update strategically for a fresh, welcoming atmosphere that suits your current aesthetic.

Conclusions

Navigating the landscape of home decor accessories led us to a standout choice: white ceramic vases. A product of comprehensive reviews, these vases emerged as a favored selection for minimalist, boho, and modern decor enthusiasts. The diversity in shapes, sizes, and designs renders them adaptable to living rooms, bedrooms, offices, and even wedding settings. Offering a seamless infusion of elegance and sophistication, these vases boast a neutral palette that effortlessly complements any color scheme or theme. For those seeking to transcend the ordinary in home decor, the white ceramic vase proves to be an impactful and versatile option worthy of consideration.

Source: jpost.com

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Point of Sale, LO AI Tool, Underwriting, Servicing, DPA Products; Upcoming Training

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Point of Sale, LO AI Tool, Underwriting, Servicing, DPA Products; Upcoming Training

By:
Rob Chrisman

Tue, Jan 30 2024, 10:57 AM

“What do hospital gowns and insurance policies have in common? You’re never covered as much as you think you are.” Although loan officers are not insurance experts, they are seeing the escalating cost of homeowner’s insurance impact affordability. (Last Friday’s TMC show focused on why insurance costs are rising.) Insuring homes is not the only issue, however. The average bill for the repair of an American vehicle is $4,437, and for an electric vehicle that is up to $6,618, about 49 percent higher. Collision insurance claims have increased 64 percent between 2018 and 2022, fueled by increasingly sophisticated cars and more complicated things that need to get fixed when they get broken. No longer are we just hammering out dents, but rather we’re taking computers out of the car and fixing it. Insurance costs may be on the agenda (the why’s mortgage rates certainly will be) when the California Association of Mortgage Professionals (CAMP) presents the 2024 Economic Forecast today with Dr. Michael Frantanoni and yours truly at 1PM ET/10AM PT. (Today’s Commentary podcast can be found here and this week’s is sponsored by Calque. With The Trade-In Mortgage powered by Calque, lenders help their clients negotiate a lower purchase price, reduce their interest payments, and eliminate PMI. Hear an interview with Polly’s Troy Coggiola on the evolving capital markets landscape and his new role at the company.)

Lender and Broker Software, Products, and Services

Housing agencies across the U.S. introduced 135 new down payment assistance (DPA) programs last year, bringing the total number of programs up to 2,294 according to Down Payment Resource’s newly released Q4 2023 HPI report. Among other findings: there are now 686 programs that support wealth-building through the purchase of 1–4-unit multifamily properties and 804 programs that support the purchase of manufactured housing. Read the full report or schedule a demo to learn about the DPA programs available to support borrowers in your footprint.

“Unlock unprecedented success for your brokerage! Partnering with The Loan Store is a game-changer for broker owners seeking seamless growth. Picture this: your loan officers effortlessly earn 200 basis points with minimal effort, ensuring consistent borrower engagement regardless of market fluctuations. How? We specialize in lightning fast HELOC closings in just 5 days: no appraisals, no processing headaches, and approvals in mere minutes. Our commitment is simple: empower your team to focus on what matters most: building relationships. By streamlining the loan process, we pave the way for your loan officers to stay ahead in the competitive landscape. Elevate your brokerage to new heights with The Loan Store where speed, efficiency, and impressive earnings converge effortlessly. Ready to redefine success? Let’s make it happen together! Contact us here or visit our website.”

One of the key ways Servbank continues to create Excellence for its clients is with SIME, its award-winning mortgage loan servicing platform. SIME gives clients a fully transparent, 360 degree, real-time, on-demand view into their portfolio. This includes 130+ data rich customizable reports, complete document access, escrow analyses, customer call recordings, and much more. Take it from Mary Fierro, who leads subservicing oversight at NewFed: “SIME has helped NewFed in so many ways: real-time customer portal reviews, receiving payoff statements within minutes, clear and auditable monthly billing, and so much more. This is all very important to my oversight obligations, and more intuitive than ever.” Servbank, the nation’s premier bank subservicer, can make your oversight painless with the power of SIME. Visit here to learn more.

The proof’s in the data: Borrowers of all ages prefer a high tech, high touch experience. And using technology to meet their needs and deepen your relationships is more straightforward than you think. Hear tactical advice on how you can win new business, sustain customer loyalty, and strengthen your referrals from ICE Mortgage Technology’s Director of Sales, Nick Belenky, in our latest episode of What Borrowers Want. Watch the full conversation here to get expert strategies for crafting a powerful borrower loyalty formula.

“Take3Tech, home of TheRuleTool providing thousands of Loan Officer across the United States with AI-Powered instant access to agency/investor/bond/jumbo guidelines via the cloud. Hear what Tom Sullivan SVP of Mortgage Retail Sales says about TheRuleTool! Learn more by contacting Take3Tech! Email us.”

Stop losing money on loans with an end-to-end mortgage platform built for profitability. To achieve profitable mortgage lending, you need solutions built for your bottom line. Maxwell’s tech-enabled platform enhances each step of the process, from point of sale to the secondary market. You’ll gain competitive secondary market pricing on a wide array of products, including non-QM and jumbo, and full-service fulfillment support on both wholesale and correspondent offerings. Maxwell Capital customers leveraging Maxwell Point of Sale experience a 5.9 percent higher pull-through rate compared to a top competitor, increasing and accelerating closes, while built-in business intelligence tracks and benchmarks performance. Schedule a call with our team to learn more about Maxwell Capital and Maxwell Point of Sale to ensure profitability on every mortgage origination.

Webinars and Training Into February

“Today at 1pm CT we have an electric panelist lineup made up of Industry leaders that are going to spill the beans on ten strategies they are focused on to increase sales and reduce costs with minimal investment in 2024. Some of these strategies are directly saving 50-80 percent per month on the larger costs that lenders face, and others allow them to close more loans, faster. Come and join Kevin Peraino, Chief Lending Officer at PRMG, Delfino Aguilar, Chief Production Officer – TPO, Kind Lending, David Lykken, Founder & Chief Transformation Officer at Transformational Mortgage Solutions, LLC (TMS), and Richard Grieser, VP of Marketing at TRUV as they share the revenue generating and cost saving must have strategies that you can put into practice today! RSVP now and we hope to see you there!”

Since leaving retail and joining the UMortgage platform, Ravi Patel, Branch Manager and Top 1 percent Loan Originator has seen his business reach new heights despite some of the most challenging housing market conditions in more than a decade. “In a competitive market, speed can make or break many of the deals that my team and I are working on,” Patel shared. “The responsiveness and availability of our incredible Operations team have hugely benefitted my business and are just a few of the many ways that being on the UMortgage platform has exponentially increased my production.” Join Ravi this Thursday, February 1st at 2pm ET as he shares his own secrets to success and the reasons he chose UMortgage as the platform to grow his business during Loan Originators Powered by UMortgage.

Mortgages with Millennials is back today at 1PM ET! And Kristin Messerli and Robbie Chrisman are talking about Overlooked Strategies to Win with Millennials, addressing products and marketing, as well as hiring, and retaining. They will be joining you live today with the talented Melissa Langdale, sponsor from The Mortgage Collaborative, and Joe Soto, a top producer and FirstHomeIQ Ambassador. Register here.

The California Association of Mortgage Professionals (CAMP) is presenting the 2024 Economic Forecast with Dr. Michael Frantanoni and Rob Chrisman on Tuesday, January 30th

1PM PT. “Unlock the Future: 2024 Economic Forecast Revealed! Dive into a World of Opportunities and Growth. Discover Key Insights, Trends, and Strategies for Success in the Upcoming Economic Landscape.”

Join Appraiser eLearning for a one-hour webinar featuring Mark Calabria, acclaimed author of Shelter from the Storm: How a COVID Mortgage Meltdown was Averted. Calabria, former director of the Federal Housing Finance Agency (FHFA), will lead a frank conversation about what we can expect this year in the realm of housing policy, January 31st, 2pm ET / 1 pm CT.

Wednesday the 1st, looking for more in-depth commentary on weekly mortgage news? Register here for “Mortgage Matters: The Weekly Roundup” presented by Lenders One. Every Wednesday at 2PM EST/11AM PT is a dive into a range of mortgage-related topics, including market trends, interest rate fluctuations, innovative mortgage products, and industry advancements. Listen to a unique mix of age perspective, expertise, and charisma to the screen, ensuring that the information is not only educational but also entertaining. Hear from This week hear from Scott Olson of the CHLA.

Register for MMBBA’s meeting, Thursday, February 1st at 11:00 AM. Industry compensation expert Ari Karen from the law firm of Mitchell Sandler presents the 2024 Loan Originator Compensation practices update. The topic of utilizing different referral “buckets” for loan officer compensation is a highly controversial practice and noted legal expert Ari Karen will tackle this topic head on for MMBBA members.

Join MMLA in the Northern Michigan region for the first in a series of casual “Lunch and Learn” events at the Silver Spruce Brewing Company on Thursday, February 1st, 11:30 – 1:00. Holly Hack, Broker/Owner at Exit Realty Paramount, will discuss market trends in the five-county area and offer solutions to help get the deal across the finish line.

In Colorado, register for CoAMP’s 2-hour course on Thursday, February 1st, 2:00 – 4:00 PM designed for Realtors (CE included) and MLOs to better understand the benefits and nuances of VA home loans and how to use them to best serve our Veteran population and help dispel the myths and rumors about VA financing for homes. Held at 7979 E Tufts Ave in Denver, CoAMP MLO Members attend for free. Cost for Non-Member MLO and Realtors is $20 (includes CE credits).

Friday, February 3rd, is this week’s episode of The Mortgage Collaborative’s Rundown covering current events in the mortgage market for 30-45 minutes starting at noon PT, 3PM ET, in “The Rundown”. This week’s co-host is Jeff Rosato with Nationwide Mortgage Bankers to discuss the capital markets.

On February 6th at 10AM PT join me for Insellerate’s upcoming webinar, alongside its CEO and Founder, Josh Friend. Together, we’ll explore the 2024 Market Forecast, providing insights into mortgage industry predictions, strategies for navigating economic uncertainty, discussing capital markets developments, and hosting an interactive Q&A session. Reserve your spot now to stay ahead in 2024.

Join the National Association of Mortgage Brokers, CoAMP, Freddie Mac and the Denver Metro Association of Realtors on Tuesday, February 6th, 11am – 2:00pm for NAMB Road Show Denver. This free event, which includes lunch, features informative sessions giving you tools and resources to help you and your consumers. in-depth Realtor-Lender Partner panel. Freddie Mac Affordable Lending Manager Nora Guerra, as she shares the state of the Colorado housing market; housing trends in the area; and innovative ways to navigate the road ahead in creating an impactful mortgage business for you.

MBA of Mississippi Gulf Coast Chapter’s February Luncheon will be held on Tuesday, February 6th, 11:30am – 1:00pm (CST) at Salute Italian & Seafood Restaurant.

The Federal Reserve Bank of Dallas is offering an invite to join economic experts and business and community leaders across Texas for the Dallas Fed’s annual Texas Economic Outlook event. Whether you attend in person in Dallas or virtually, it’s a great opportunity to get the latest information on the Texas economy while expanding your network. 2024 program will take place Friday, February 9, 11 a.m.–12 noon CT. Registration is free and open to the public. In-person attendees are invited to come early to the Dallas office for refreshments and networking ahead of the presentation. Pia Orrenius, vice president and senior economist, will release the Dallas Fed’s forecast for Texas employment growth for the year and share details on factors likely to influence the Texas economy in 2024.

Capital Markets

Mortgage rates dropped to open the week ahead of a big dose of quarterly reports from companies, the latest Federal Open Market Committee (FOMC) policy statement, and the release of the jobs report for January. However, most of the downward move in rates yesterday was due to concerning geopolitical developments, as three U.S. soldiers were killed by a drone strike in Jordan and Houthi rebels attacked a U.S. destroyer and a British merchant ship.

Day one of the two-day FOMC meeting gets under way today in Washington, DC., and though no change in the fed funds rate is expected, it’s a big week for central banks. The Bank of Japan’s meeting yielded expectations for an April rate hike, while the latest Bank of Canada announcement suggests an earlier initial rate cut than markets had priced in. An initial rate cut from the European Central Bank is expected in April, and our Fed is a coin toss for a March rate cut. Central bank rate cuts should help pave a path for lower rates that should help housing markets as we enter the spring homebuying season.

In the United States, today’s economic calendar may have a few things that will move interest rates: Redbook same store sales for the week ending January 27, followed by Case-Shiller and FHFA house price indices for November, consumer confidence for January, December job openings from JOLTS, Dallas Fed services for January, and various Treasury auctions. We begin the day with Agency MBS prices are better by a few ticks (32nds), the 10-year yielding 4.06 after closing yesterday at 4.09 percent, and the 2-year at 4.31.

Employment

Steve Adamo, President of Residential and Consumer Lending looks to continue to expand OceanFirst Bank’s Residential Lending division. In 2023, the Bank saw top producing Loan Officers join the team as well as expanding its geography in the new metropolitan market of Washington D.C. OceanFirst Bank blends the benefits of an independent mortgage company with the stability of a banking environment. The Bank provides their Loan Officers with a strong portfolio, direct agency lending, retained servicing, innovative marketing and technology products and services, and the ability to lend nationally as a National Association bank. Additionally, our NeighborFirst program has benefits such as a low-down payment, no Private Mortgage Insurance (PMI), and no LLPAs based on credit score or loan amount. Contact John Costa, SVP and Head of Mortgage Sales, or 609.444.6121, to take your business to new heights.

In the Northwest and California, Banner Bank is searching for Mortgage Loan Officers looking to create lasting Realtor and builder relationships at a bank focused on the market today. Banner has opportunities for lenders looking for local decision making with FHA, VA, USDA, state bond and true Portfolio lending opportunities along with servicing retained Fannie and Freddie loans to assist in client retention. Additional highlighted products cover CRA lending with private label no payment down payment assistance to help assist all borrowers with the right opportunity. Banner is the right fit for an established team, or the individual looking to grow their business and take the next step in their career. Please send resumes to Aaron Miller.

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

Source: mortgagenewsdaily.com

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It’s time to meet Miami.

Welcome to the rhythm-infused city of Miami, a place where the waves whisper stories of history and the skyline glistens with the promise of tomorrow.

But what is Miami known for? From the pulsating beats of its nightlife to the sun-kissed shores of its sandy beaches, Miami is a city of contrasts and surprises. In this article, we’ll dive headfirst into the crown jewel of the Florida coast, unraveling the layers that make it such a special place to call home.

History

The story of Miami begins long before its official founding in 1896. Originally inhabited by the Tequesta Native Americans for thousands of years, the area saw its first European contact in the 16th century. However, it wasn’t until the late 19th century that Miami truly began to flourish. Julia Tuttle, often hailed as the “Mother of Miami,” played a pivotal role in this transformation. Her vision and persuasion led railroad tycoon Henry Flagler to extend his Florida East Coast Railway to the region, effectively birthing modern Miami.

As the 20th century progressed, Miami continued to evolve, reflecting the upbeat spirit and diverse influences that came to define it. The city quickly became a haven for those seeking respite from colder climates, attracting a surge of retirees and tourists alike. This influx, combined with its proximity to the Caribbean and Latin America, transformed Miami into a melting pot of cultures, each adding its unique flavor to the city’s overall identity.

The mid-20th century brought a significant Cuban influence, especially following Fidel Castro’s rise to power in 1959, which led to an inundation of Cuban immigrants. This wave significantly shaped Miami’s social, economic and political landscape, infusing it with a distinct Latin American character. Today, Miami stands as a dazzling metropolis, known for its balmy weather, stunning beaches and international finance prowess.

Jobs

At the heart of Miami’s economy is tourism, a sector that thrives thanks to the city’s beaches, year-round warm weather and renowned hospitality. This industry not only fuels a significant portion of job opportunities in the hotel, restaurant and entertainment industries but also maintains sustained growth in related fields like retail and transportation.

Another major player in Miami’s job market is international trade, thanks to the city’s strategic location as a gateway between the United States, Latin America and the Caribbean. The Port of Miami, known as the “Cruise Capital of the World,” and Miami International Airport, one of the nation’s busiest airports for international freight, are pivotal in supporting jobs in logistics, shipping and trade. Beyond that, the city’s tech scene is beginning to make waves by attracting startups and established tech firms alike.

Five of the largest employers in Miami

Finance and banking are also significant contributors to the job market, with Miami being recognized as an international banking hub. Real estate and construction have historically played a central role in Miami’s economy, reflecting the city’s continuous growth and development.

Education and government are the final two pillars providing stable job options. While the city’s job market is dynamic, it’s key to note that competition can be fierce and some fluency in Spanish is often a requirement.

Entertainment

They say that NYC is the city that never sleeps, but Miami locals may have something to say about that. From the world-renowned clubs in South Beach, where world-famous DJs do their thing nightly, to the more laid-back rooftop bars in Wynwood, there’s something for every taste. Annual events like Ultra Music Festival and Miami Music Week put the city on the global map for electronic dance music, drawing crowds from all corners of the world.

Beyond the night scene, Miami is also full of talented artists. The Adrienne Arsht Center for the Performing Arts and the New World Symphony offer high-caliber ballet, opera, symphony and theater performances, making them must-visit destinations for those seeking a sophisticated night out.

Five of the best live entertainment venues in Miami

For those looking to delve into experiences unique to Miami, the city’s many neighborhoods offer a world of exploration. Little Havana, with its Cuban flair, entices with authentic cuisine, live music and the famous Calle Ocho.

Miami’s entertainment is not just limited to adults; it’s a family-friendly destination too. Attractions like the Miami Seaquarium, Zoo Miami and the Phillip and Patricia Frost Museum of Science provide educational and exciting experiences for all ages. The city’s proximity to the Everglades also offers a unique opportunity for outdoorsy types to explore one of the nation’s most unique ecosystems.

Outside

Miami’s beaches are a perfect starting point, offering more than just sunbathing and swimming. South Beach, with its clear blue waters and lively atmosphere, is ideal for a day under the sun and a night on the town, while the quieter Crandon Park Beach is perfect for families seeking a more relaxed experience.

For those in the market for a closer encounter with marine life, snorkeling and scuba diving in the crystal-clear waters of Biscayne National Park provide an unforgettable experience. Anglers will find Miami to be a dream destination, with deep-sea fishing trips readily available, offering the chance to catch a variety of species.

Five great parks in and around Miami

Apart from aquatic adventures, Miami’s natural landscape offers a wealth of outdoor activities. Everglades National Park is a short drive from the city and a must-visit for anyone interested in wildlife and nature. This unique ecosystem, one of the largest in the country, can be explored through guided airboat tours, which offer a chance to see alligators, manatees and more. Fairchild Tropical Botanic Garden and the Vizcaya Museum and Gardens are lush landscapes and serene environments, perfect for a leisurely day surrounded by nature’s beauty.

Food

At the forefront of Miami’s food scene are the city’s Latin American and Caribbean influences. For a taste of Cuba, Little Havana is the go-to destination, where one can savor authentic Cuban sandwiches, pastelitos and strong, sweet Cuban coffee.

The neighborhood thrums with life, especially during their lively festivals, where food plays a central role. Similarly, neighborhoods, like Little Haiti, offer a taste of their countries, with unique dishes and ingredients. The city also plays host to a few food festivals throughout the year, including the famous South Beach Wine & Food Festival.

Five of the best restaurants in Miami

Miami is home to several high-end restaurants led by celebrity chefs, offering innovative and exquisite culinary creations. These establishments often feature fusion cuisine, blending traditional flavors with modern techniques to create something truly unique.

On the other end of the spectrum, Miami’s street food and food truck scene is a more casual, yet equally delicious, dining experience. Here, you’ll find everything from gourmet burgers to artisanal ice cream. Additionally, farmers’ markets like Coconut Grove Organic Market present a wonderful opportunity to explore locally sourced produce and artisanal products.

Make Miami your home

As our journey through the city of Miami comes to a close, it’s clear that this sun-kissed paradise is much more than just a pretty face. Miami is a city where history dances with modernity, where diverse flavors create a culinary symphony and where every street corner has a story to tell.

As the South Beach sun sets, painting the sky with hues of orange and pink, we leave you with a sense of wonder and an invitation to explore this amazing city, where every moment is a new adventure. Welcome to Miami, where your life is just one extraordinary day after another.

Source: rent.com

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Buying a home is a significant milestone, and for some, the idea of purchasing an unfinished home can be an exciting prospect. However, this process comes with its own set of challenges and considerations. Here are what’s involved in buying an unfinished home as well as some insights to help you navigate through this unique real estate venture. 

Enjoying our content? Subscribe to our free weekly newsletter to get real estate market insights, news, and reports straight to your inbox.

Understanding the Concept of Unfinished Homes

Unfinished homes can take various forms, ranging from properties that require minor cosmetic upgrades to those in need of major structural renovations. It’s crucial to understand the extent of work needed and asses whether your skills, budget, and timeline align with the project’s demands. 

Financial Considerations

Carefully budget by calculating the total cost, including the purchase price and estimated renovation expenses. Make sure to allocate extra funds for unforeseen costs that may arise during the renovation process. Additionally, explore financing options, such as renovation loans or home improvement loans, consulting with financial experts to choose the option that best aligns with your situation and ensures you have the necessary funds to bring your unfinished property to completion. 

Assessing the Property

Prioritize a comprehensive professional inspection conducted by a qualified expert. This step is crucial in identifying any hidden issues, structural concerns, or code violations that may not be immediately apparent. Simultaneously, research local building codes and zoning regulations to understand the necessary permits for planned renovations, as non-compliance with these regulations can result in complications and delays in your renovation project. 

Creating a Renovation Plan 

When tackling an unfinished house, begin by setting priorities for improvements to determine which upgrades are necessary to make the place livable. Decide whether to undertake all renovations at once or phase them out over time based on your preferences and budget. For significant renovations, contemplate hiring licensed contractors and architects. Collect multiple quotes, check references, and ensure that the professionals you choose fully understand your vision for the property, ensuring a successful transformation. 

Closing the Deal

Work with a real estate agent to expedite the process while you navigate the last steps of purchasing an unfinished property. To ensure that every detail of the transaction is handled correctly, seek legal advice from a real estate attorney. This approach, combining the expertise of a real estate agent and a legal professional, will help ensure a smooth closing process and facilitate the successful transformation of your unfinished property.

Buying an unfinished home offers a unique opportunity to create a space tailored to your preferences. However, it’s essential to approach the process with careful consideration, thorough research, and a well-thought-out plan. 

By understanding the financial, legal, and practical aspects involved, you can turn an unfinished property into your dream home!

Looking for your dream home?

We can help!

Source: zoocasa.com

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Schlifske’s 14-year tenure as CEO defined by historic business performance, bold client experience transformation, unsurpassed financial strength, exceptional product value, and meaningful investments in talent and diversity Tim Gerend to succeed Schlifske as the company’s next CEO, effective January 1, 2025 MILWAUKEE, Jan. 25, 2024 /PRNewswire/ — After 14 years as Northwestern Mutual’s Chief Executive … [Read more…]

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If you’re planning on giving your home a quick transformation for the new year, a fresh coat of paint can do the job. And if you want to master how to paint a room like a pro, you’ll also need to avoid these common painting mistakes.

I’m always updating my home, and taking on a new DIY project. Over the years, I’ve wallpapered rooms, upcycled old, tired-looking furniture and of course, painted walls.  But despite writing about home decor for a living, I’ve made some rookie mistakes in the past that have cost me time, effort and money!

($15, Amazon), which are more durable.  

2. Consider safety  

Lady painting a wall with wrong footwear (Image credit: Shutterstock)

Just because you’re in the comfort of your own home, doesn’t mean you shouldn’t take your safety seriously. And while I wouldn’t consider painting to be a high-risk job, there are still certain precautions to take. 

Most paints contain harmful chemicals, so ensure you always open a window, door or have adequate ventilation in the room — especially if you have children at home.

In addition, always wear appropriate clothing, or disposable coveralls like these Cleaing Pack of 3 SMS Disposable Paint Suit ($18, Amazon), to protect your skin/clothes from any splashes. If you need to use a sanding tool, it’s also advisable to wear protective eyewear, gloves and a mask so that you won’t breathe in dust. 

And finally, wear the right, protective footwear to prevent slipping or losing your balance — especially when climbing a step ladder. I’ve been guilty of wearing my slippers to go up a ladder in the past, which is a massive fail! Always treat any DIY/home project as if you’re on a building site — accidents can happen.

3. Prep the walls first before painting

Filling cracks in wall with putty knife (Image credit: Shutterstock)

I’ve been guilty of painting straight onto walls without the right preparation. As a result, any dents or cracks were visible, much to my dismay! But while prepping may seem like an arduous task, this makes all the difference to the overall results and finish. 

Check the condition of the walls, inspecting for cracks, holes or any dents. If these are minor, simply apply caulk to fill these in with a putty knife, and let it dry completely before any necessary sanding. If your walls are not in good condition however, you may need to hire a plasterer, to ensure it has a smooth finish. 

In addition, it’s always recommended to give walls a good clean first with a soapy water solution to get rid of dust, cobwebs and grime. You can either use a damp cloth/sponge, or a sugar soap spray can also be used to prepare walls. Follow this up by washing again with clean water to remove the cleaner residue, then wipe with a clean cloth.

By taking the time to do the prep work, this ensures you have a clean, smooth wall, makes painting easier and will actually save you more time in the long-run. 

4. Use masking tape to secure drop cloths  

Man applying masking tape for drop cloth (Image credit: Shutterstock)

We all know how important it is to protect your floor when you’re painting. However, if you just throw drop cloths down without properly securing them, these can move out of place and cause an accident. In addition, I’d often spend extra time covering areas of the floor again, where it had lifted.

The best way to secure drop cloths is to apply about two inches of masking tape to the quarter round or shoe molding along the edge of wall. Then spread the drop cloth out on the floor next to the wall before applying another layer of masking tape so that it covers both the cloth and trim. This way, it shouldn’t shift while you’re moving the step ladder, or generally walking around the area. 

5. Lining the paint tray before use 

Pouring paint into a lined tray (Image credit: Shutterstock)

One thing I dread after painting a room is the messy clean-up afterwards — especially if you need to reuse your tray soon after. However, a clever painting hack is to line the tray with a plastic sheet or trash bag so that every inch is covered, before pouring out your paint.

The idea is that, once you’ve finished painting, carefully lift out the sheet or bag and throw it out in the trash. This way, your paint tray remains spotless, and ready for the next paint job. Best of all, this is quick, hassle-free and will save you precious time. 

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Apache is functioning normally

Bill Mitchell

Smartfi Home Loans, a reverse mortgage wholesale lender, is now using the LoanPASS product and pricing engine. 

With over 110 years of collective reverse mortgage experience, Smartfi Home Loans boasts a seasoned team deeply rooted in the industry. Smartfi operates as a wholesale lender in more than 40 states and continues to expand its commitment to providing secure access to home equity for seniors. 

“Smartfi is uniquely positioned in the industry with a team that shares a common vision for how to grow the market and expand home equity use in retirement,” says Gregg Smith, CEO of Smartfi Home Loans, in a release. “Partnering with LoanPASS to implement their Product and Pricing Engine was an easy decision as it seamlessly aligned with our vision. Their innovative solution supports our commitment to streamlining the lending process for our partners.” 

“We are thrilled to welcome Smartfi Home Loans as another new customer and valued partner,” says Bill Mitchell, CRO of LoanPASS. “In addition to our shared commitment to drive technology and business process transformation for all our clients, the LoanPASS rules engine was designed to give Smartfi Home Loans complete control over products and pricing.” 

“Whether it’s a forward or reverse loan, LoanPASS was designed and architected to break industry convention and disrupt the market for decisioning engine technologies,” Mitchell adds. “LoanPASS is quickly becoming recognized as the leader in advanced pricing engine technology solutions for lending institutions throughout the U.S.”

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Source: mortgageorb.com

Apache is functioning normally

In recent years, the real estate landscape has undergone a profound transformation, marked by the popularity of build-to-rent homes. This innovative housing model, conceived for rental purposes, has emerged as a trend that not only caught the eye of industry stakeholders but has also redefined the expectations of both landlords and tenants.

In this deep dive, we will unravel the foundation of build-to-rent homes, comb through its growth path from its inception, evaluate its current status and think about the potentially far-reaching impact it may exert on the rental market.

Understanding build-to-rent homes

Build-to-rent homes represent a departure from conventional real estate development, as they are residential properties designed and constructed with the sole purpose of being rented out rather than sold. These purpose-built developments often manifest as part of larger rental communities, strategically incorporating an array of amenities and services to elevate the overall living experience for tenants.

What characterizes build-to-rent homes?

The terms “build to rent,” “built to rent,” “BFR” and “B2R” are interchangeable, all denoting properties constructed explicitly for long-term rentals. Rather than being purchased from other owners, these homes are constructed by owners with the specific intent of catering to tenants.

These properties can be owned by individuals or managed by companies, particularly within build-to-rent communities. The variety of build-to-rent homes includes single-family dwellings on standard-sized lots, small lot homes with closer proximity, duplexes featuring two attached units, triplexes with three attached units and row homes and a series of side-by-side houses sharing a common wall.

The origins of the trend

The roots of the build-to-rent trend delve into the need to adapt to the changing dynamics of the housing market. Factors such as urbanization, a shifting preference for flexibility among millennials and young professionals and a heightened desire for a convenient and hassle-free lifestyle contributed to the initial emergence of this trend. Its early development stages can be traced back to the early 2010s, witnessing a significant surge in build-to-rent developments that were crafted in response to the needs of the housing market.

The evolution of build-to-rent

The evolution of build-to-rent homes is intertwined with the broader socioeconomic shifts shaping our cities and communities. As urbanization accelerated, there was a demand for housing solutions that catered to the dynamic lifestyles of individuals seeking convenience, flexibility and a sense of community. The traditional model of homeownership faced challenges in meeting these evolving needs, paving the way for the rise of build-to-rent homes.

These purpose-built developments were conceived as more than just housing units; they aimed to create entire communities tailored to the modern renter’s lifestyle. Developers, typically a property management company, envisioned amenities like those of apartment buildings like fitness centers, swimming pools, communal spaces, co-working areas and on-site services to foster a sense of belonging and convenience within these rental communities. The objective was not merely to provide shelter but to curate an enhanced living experience that rivaled traditional single-family rentals.

Current status and popularity

As we cross the threshold from 2023 into 2024, the build-to-rent trend continues to gain momentum, asserting itself as a prominent player in the real estate domain. Investors and developers, discerning the potential for stable returns in the rental sector, have propelled a surge in construction projects exclusively dedicated to build-to-rent properties. The demand for such homes spans a diverse demographic spectrum, encompassing young professionals, families and retirees, all of whom are drawn to the benefits that build-to-rent communities offer.

The surge in popularity is not only a result of demographic shifts but also indicative of changing attitudes towards homeownership. The younger generations, in particular, are increasingly valuing flexibility and experience over the long-term commitment of owning a home. The advantages of build-to-rent properties, such as communal living, shared amenities and hassle-free maintenance, align seamlessly with these changing preferences.

Impact on landlords

Build-to-rent homes have ushered a shift for landlords, presenting a host of advantages that extend beyond the traditional rental model. One of the most significant benefits is the higher renewal rate. Tenants, appreciating the convenience and plethora of amenities provided in these purpose-built communities, are more inclined to renew their leases. This not only ensures a stable income stream for landlords but also fosters a sense of community and stability within these rental developments.

The streamlined management of build-to-rent properties is another boon for landlords. Centralized management, often facilitated by professional property management companies, allows for more efficient operations. From maintenance and security to community events and amenities, the integrated approach reduces the burden on individual landlords, contributing to a smoother and more sustainable rental model.

Furthermore, the scalability of build-to-rent developments provides investors with the opportunity to diversify their portfolios. The ability to own and manage multiple units within a single community or across various locations enhances the potential for economies of scale and mitigates risks associated with individual property management.

Impact on tenants

Tenants, the primary beneficiaries of the build-to-rent paradigm, stand to gain numerous advantages from choosing these purpose-built homes. These properties are meticulously designed with tenant needs in mind, offering an array of amenities such as fitness centers, communal space and on-site maintenance services. The emphasis on privacy is a notable characteristic, often achieved through detached or well-insulated units, setting build-to-rent homes apart from traditional rental options and providing tenants with a more comfortable and private living experience.

The communal aspect of build-to-rent living is a significant draw for tenants: This living experience aligns with the social preferences of modern renters, particularly the younger demographic, who prioritize connections and experiences over isolated living. The flexible lease terms offered by build-to-rent developments also cater to the transient nature of contemporary lifestyles. With the option for shorter leases and the absence of the burdensome responsibilities associated with homeownership, tenants can embrace a lifestyle characterized by mobility and adaptability.

Looking ahead at the future of single-family homes

As we cast our gaze into the future, the build-to-rent trend is poised to continue shaping the housing landscape in profound ways. The flexibility, convenience and community-oriented features of these developments are likely to attract an even broader spectrum of renters.

Moreover, advancements in sustainable and smart building technologies hold the promise of further enhancing the appeal of build-to-rent homes, making them a sustainable and forward-thinking choice for both landlords and tenants.

The integration of green building practices, energy-efficient technologies, and smart home solutions align with the growing emphasis on sustainability in the real estate sector. These innovations not only contribute to environmental conservation but also offer cost-saving benefits for both landlords and tenants. As society becomes more conscious of its ecological footprint, the incorporation of sustainable practices in build-to-rent developments positions it as a responsible and future-ready housing solution.

The confluence of these trends is not merely a fad; rather, it signifies a redefinition of how we conceptualize and experience rental housing. The integration of these elements is set to leave an major mark on the housing market, influencing its trajectory for years to come.

Looking for a place to rent, whether build-to-rent or something different. Check out our available apartments and houses for rent here.