When buying a home, one of the most significant decisions is whether to purchase a newly constructed home or a resale property. Each option has unique advantages and challenges, and the choice ultimately depends on your priorities, lifestyle, and financial goals. Learn the pros and cons of new construction and resale homes to help you make an informed decision.
The Pros of New Construction Homes
Customization Options
One of the biggest benefits of buying a new construction home is the ability to customize it to your taste. Many builders offer options for floor plans, finishes, and fixtures, allowing you to create a space that suits your preferences from day one. You can choose everything from the kitchen countertops to the type of flooring, ensuring the home reflects your personal style.
Modern Features and Technology
New homes are typically equipped with the latest energy-efficient systems, smart home technology, and modern appliances. These innovations can lower utility bills and reduce carbon footprint, providing long-term savings. Features such as energy-efficient windows, modern insulation, and state-of-the-art HVAC systems are often standard in new builds.
Lower Maintenance Costs
Because everything in a new construction home is brand new, you’re less likely to face immediate repairs or replacements for major systems or appliances. Builders also often include warranties, covering many issues that might occur in the first few years of ownership.
Modern Features
New homes are built with the latest materials and construction standards that usually have features and amenities that older homes do not. Walk-in showers, heated floors, security systems, and smart lighting are just some of the features that you find in new builds.
Modern Design and Layouts
New construction homes tend to feature open floor plans, larger kitchens, walk-in closets, and modern designs that match contemporary living preferences. This can offer better flow for daily life, with spaces that are more suited to the needs of modern families.
The Cons of New Construction Homes
Higher Price Tag
New construction homes typically come at a premium compared to resale homes in the same area. The cost of modern materials, labor, and customization options can drive up the price. Additionally, upgrades to the base model of a new home can quickly add up, potentially pushing the final cost beyond your initial budget.
Limited Landscaping and Established Neighborhoods
With new construction, you might find yourself in a developing neighborhood where landscaping and community amenities are still being developed. Mature trees and fully grown greenery are usually missing from new developments, and the sense of community might take years to establish.
Potential Delays
Building a home from the ground up can take time, and unexpected delays due to weather, labor shortages, or supply chain issues are common in new construction projects. This can result in a longer waiting period before you can move in.
Location Limitations
New construction is often located in suburban areas or on the outskirts of cities where land is available. This means you may be further away from city centers, schools, and established infrastructure, which could lead to longer commutes or less access to in-demand amenities.
The Pros of Resale Homes
Established Neighborhoods
Resale homes are often located in well-established neighborhoods with mature landscaping, nearby amenities, and a sense of community that has developed over time. Many buyers appreciate the character and charm of older homes and the fact that these neighborhoods tend to have more history and personality.
More Affordable
On average, resale homes tend to be less expensive than newly built homes. You can often get more square footage or a larger lot for the same price as a smaller new construction home. Additionally, you may have more negotiating power with a resale home, especially if the seller is motivated. However, in high-demand areas the opposite is usually true. Resale homes are typically more expensive when compared to new builds if they are in a particularly desirable location.
Move-In Ready
If you’re on a tight timeline, a resale home may be the better option since you can move in as soon as the sale is finalized. You won’t have to wait for construction to be completed or deal with potential delays.
Layouts and Square Footage
Resale condos and houses tend to be bigger than new builds, offering more spacious layouts and living space. Square footage, when compared to new builds, is larger in older homes as they used to be built to account for larger families and a decreased demand for real estate.
The Cons of Resale Homes
Higher Maintenance and Repair Costs
While a resale home may be more affordable upfront, it could require ongoing maintenance and repairs. Older systems, such as plumbing, electrical, or roofing, may need to be updated or replaced. These unexpected expenses can add up quickly and increase the total cost of ownership.
Less Energy Efficiency
Older homes were often built before modern energy-efficient standards were in place. This can result in higher utility bills due to less efficient heating, cooling, and insulation. Retrofitting an older home with energy-efficient upgrades can be costly.
Outdated Layouts
Resale homes may have layouts that are less conducive to modern living. Older homes typically have closed-off rooms, small kitchens, and fewer bathrooms, which may not suit today’s lifestyle preferences. Renovations could be necessary to create an open-concept floor plan or add additional space.
Limited Customization
Unlike new construction, what you see is often what you get when it comes to layouts inresale homes. Major changes such as altering the floor plan, expanding the kitchen, or upgrading bathrooms require costly renovations. You’ll also need to work within the existing footprint and structure of the house.
Choosing between new construction and a resale home is a personal decision that depends on your priorities. If you value customization, modern features, and lower maintenance, a new construction home may be the best fit for you. On the other hand, if you’re looking for a home with character in an established neighborhood, or you want a more affordable option, a resale home could be the better choice.
Ultimately, it’s essential to weigh the pros and cons of each option and consider your long-term needs before making a decision. Both new construction and resale homes offer unique advantages, so take the time to explore both before committing to your dream home.
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Though the Halepuna Waikiki by Halekulani hotel sits in the heart of tourist-packed Waikiki on the island of Oahu, it’s quiet and relaxed. The 284-room boutique hotel offers a refreshing alternative to the sprawling resorts that dominate the area.
But the real standout about this boutique oasis? No resort fees.
I visited Halepuna Waikiki for two nights, as part of a longer trip to Oahu. The resort initially caught my attention for its lack of resort fees. I grew even more interested when I learned about how much it included. Notably, it offered complimentary access to multiple museums that I had long been yearning to visit given my family’s Hawaiian heritage.
Though nightly rates typically run over $300 a night (slightly higher than Oahu’s average nightly hotel room rate of $272, based on May 2024 data from the Hawai‘i Tourism Authority), the free museum access alone went a long way in justifying it. Without that complimentary access, my travel companion and I otherwise would have spent more than $150 combined on museum tickets.
That made the decision easy — and it didn’t hurt that the hotel was quite fancy, too.
About the Halepuna Waikiki
Halepuna Waikiki by Halekulani is the sister property of Halekulani, On the Beach at Waikiki —one of the oldest (and most famous) Waikiki beach hotels. As for the Halepuna Waikiki, this property is relatively new. It opened in October 2019, but closed for more than a year during the COVID-19 pandemic.
The hotel reopened in April 2021 with several awards and titles to its name. That includes a AAA Four Diamond Award, which is a prestigious award recognizing hotels for their upscale style, amenities and service.
Features include a rooftop infinity pool with ocean views, plus a sleek lobby designed with custom light fixtures, vaulted ceilings and floor-to-ceiling windows that offer up a light and airy aesthetic.
The Halepuna Waikiki location
The Halepuna Waikiki offers the best of both worlds in that it has ocean views without sitting directly on the beach. That means you can still get a great view without the exorbitant beachfront price tag.
The hotel sits just one block from the beach on one side, and one block from Kalakaua Avenue — Honolulu’s main shopping street — on the other side. Since the hotel sits tucked away on a side street, it tends to be a little quieter than most other Waikiki hotels, and it usually won’t have as many non-hotel guests wandering through the lobby.
Halepuna parking is available, but it’s not cheap. Whether you opt for valet or self-parking, you’ll pay $50 per day. Given the hefty parking fee coupled with the hotel’s prime, walkable location, you might not actually want a rental car in Honolulu anyway.
To get there from the airport, it’s usually best to take a taxi or rideshare. Ubers generally cost about $30 to $40 between Honolulu’s Daniel K. Inouye International Airport and the hotel.
Halepuna Waikiki rooms
Halepuna Waikiki by Halekulani has 284 guest rooms and four suites. The best views are from the oceanview rooms on higher floors (floors 19 through 23), as they’re not obstructed by the buildings in front.
These Deluxe Ocean View rooms tend to cost about 15% more than the Ocean View rooms with obstructed views and about 30% more than the standard Waikiki view rooms.
The rooms have modern amenities, like a bedside and dress charging station with ports for USB and HDMI, plus a Bluetooth connection. Shades are remote controlled, and bathrooms have nice features like a lighted vanity and magnifying mirror.
The rooms also have some nods to the local culture. For example, each room has a unique photo taken by a local photographer, and the bath amenities use locally-sourced Hawaiian oils and extracts.
All rooms also have a refrigerator and coffee maker. The complimentary refillable water bottles make for a great souvenir.
Key amenities at the Halepuna Waikiki
The rooftop infinity pool on the hotel’s eighth floor is remarkable.
The area also has a hot tub, plenty of lounge chairs and cabanas available for rent. Conveniently, complimentary sunscreen is available for hotel guests.
A rooftop garden and grass turf space adjacent to the pool is a nice place to sunbathe outside of the pool deck.
The eighth floor also offers a gym, which offers fairly standard equipment like cardio machines and dumbbells.
One unique feature caters to the workcation crowd — the business center and hospitality suite. This room offers work desks where hotel guests can post up with no reservations required. If you do need to reserve a private space, there’s also a separate, bookable meeting room that accommodates up to 24 people.
One underrated amenity is a coin-operated laundromat, which is also located on the eighth floor.
In addition to the on-property amenities, the Halepuna offers some free events and tickets. For example, guests can participate in complimentary, daily surf demonstrations held on the beach in front of Halekulani.
Halepuna guests also receive complimentary admission at the biggest museums in the state, including the Bishop Museum and Honolulu Museum of Art. Given that general adult admission costs $34 to the Bishop Museum and $25 to the Honolulu Museum of Art, that alone could go a long way in justifying the hotel room rate.
Halepuna Waikiki restaurants
The Halepuna has two restaurants:
Halekulani Bakery: This morning spot serves coffee and pastries, and it’s most famous for its Halekulani Coconut Cake.
Umi By Vikram Garg: This seafood-centric restaurant open for breakfast and dinner is located in the hotel lobby. Each dish uses high-end and unique ingredients, such as fried rice made with seafood, bacon and koshihikari rice. Even the pancakes are elevated; the “Mai Tai Pancake” is served with caramelized pineapple and a rum-coconut essence.
Halekulani restaurants
Dining options are slim at Halepuna, but that’s where Halekulani, its sister property across the street, shines. The hotel has about a half-dozen different places to eat, and Halepuna guests can charge purchases made at Halekulani back to their room.
La Mer: The award-winning La Mer serves French cuisine with ‘flavors of Hawaii.’
Orchids: Though it’s open all day, Orchids is a great spot for Waikiki brunch in particular, as well as Waikiki afternoon tea given its ocean views and diverse menu that embraces both Asian and American cuisine.
House Without A Key: Then there’s one of the most famous restaurants in Waikiki: House Without A Key. Though it’s not fancy, it’s still an elevated spot for lunch, dinner or drinks. Don’t plan on rushing through a meal here, as the draw is enjoying the Hawaiian music and hula performances held in front of the restaurant’s century-old kiawe tree.
It’s all outdoor seating, though there’s an expansive, covered area offering an open-air, indoor-like place to eat.
The food is just as good as the vibes. There’s all sorts of burgers, fish and flatbreads. The highlight, though, is found on the sunset cocktail menu: kabayaki fries. With this dish, fries are doused in the famous Japanese sauce, and then topped with furikake, garlic, onions and kewpie mayonnaise. Don’t miss it.
Who is the Halekulani Waikiki best for?
The Halepuna Waikiki by Halekulani offers the perfect combination of modern yet luxurious touches, a tucked-away atmosphere plus a prime Waikiki location – all at a competitive price, especially considering the absence of resort fees.
The complimentary cultural access and exclusive privileges at the Halekulani elevate the experience even further. For travelers seeking a luxurious and intimate escape in Waikiki, the Halepuna Waikiki is one of the best hotels in Waikiki.
Booking the Halekulani Waikiki
There are a few ways to pay for your stay, so compare prices before booking. Booking options include:
Direct through Halepuna: When you book directly on Halepuna’s website, you can take advantage of exclusive offers. These vary by time of year, but often include deals like free breakfast for two.
I Prefer Hotel Rewards: The free-to-join hotel loyalty program doesn’t have a huge presence in the U.S., but it serves hundreds of hotels and resorts worldwide. Like most hotel loyalty programs, members can rack up points to exchange for free nights. Plus, members have access to exclusive rates, early check-in and space-available room upgrades.
The hotel also usually appears on American Express Travel, where it’s part of the issuer’s Fine Hotels + Resorts® program. Cardholders who pay with their The Platinum Card® from American Express can get up to $200 in statement credits per calendar year on prepaid bookings through Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel. (The Hotel Collection requires a minimum two-night stay.) Though that card has an annual fee of $695 (see rates and fees), the statement credits can go a decently long way in justifying it. Terms apply.
Plus, AmEx cardholders who book through FHR are eligible for space-available room upgrades, complimentary breakfast, a $100 property credit and late checkout. Terms apply.
To view rates and fees of The Platinum Card® from American Express, see this page.
Amazon’s Prime Big Deal Days continues today with discounts exclusively for Prime members.
But you don’t have to be on the hunt for every deal, because frankly, who has time? Our Nerds did the research for you by talking to experts and tracking prices on 12 popular products at four major retailers.
Whether you’re shopping for household staples or holiday gifts, consult this Nerdy list of what to buy (and skip) on Prime Big Deal Days.
Best things to buy (or skip) on Prime Big Deal Days
Buy: Past-purchase staples
Don’t let Amazon’s homepage algorithm dictate what you buy. One strategy to cut through clutter: Let your order history lead the way.
Save money by finding deals on the things you already use and know are worth your money. Open your order history and review items you’ve repurchased over the past 30 days, three months or even a year. If you spot a discount on something you need, take advantage and stock up.
Here’s how to “buy again.”
Amazon app: Go to your cart in the mobile app and select the “buy again” tab near the top of the screen.
Desktop: Click on “Returns & Orders” on the top right side of your screen. Then click “Buy Again” to add frequent purchases to your cart.
We’ve seen the “Prime Big Deals” label on trash bags, dog food, dishwasher pods, mouthwash, Clorox cleaner, the Mr. Clean Magic Eraser, vitamins and baby bottles. You can also shop for items that regularly wear out, such as the water filter in your refrigerator or the electric toothbrush heads you’ve been using for too long.
Skip: Lightning deals
Look away from pressure-driven lightning deals that are only available for a limited time or until a certain number of units are sold. These promotions are meant to make you feel panicked and push you toward impulsive purchases.
“Consumers are easily swayed by the deals and promotion messages, and their ‘fear of missing out (FOMO)’ mentality often tricks them into jumping on these flash deals,” Savannah Wei Shi, associate professor of marketing at Santa Clara University, said in an email interview.
Take a breath and know that if you miss the deal, you’re not missing out. The item will probably be discounted in the coming months, which could give you time to realize you don’t even want it anymore.
Buy: Toys
If you need gift ideas for the kids in your life, Andrea Woroch, a personal finance writer and consumer savings expert who has appeared on “Good Morning America” and other TV news shows, recommends looking for deals on crafting kits, dolls and action figures, Lego sets and even video game consoles and gaming bundles.
Woroch warns, however, that not all toy deals will be worth it this early in the holiday shopping season, and suggests going in knowing what you want. How do you know when to add that toy to your cart?
“If you’re getting 30% off, buy it. That’s a good deal,” she says.
Amazon highlighted Lego deals in its Prime Big Deal Days announcement and Target is advertising up to 30% off select sets during its Circle Week sale, which runs all week.
Skip: Small home appliances
You might be better off waiting until Black Friday or Cyber Monday to buy small home appliances. Based on our price tracking data, the Instant Vortex 6-quart 4-in-1 air fryer is on sale for $107.95 today, but if you wait, you could score a bigger deal. The air fryer was $59.49 during Amazon’s Cyber Monday sale last November.
Coffee lovers also might want to hold out for another sale. The Keurig K-Classic single-serve coffee maker we tracked was $109.99 at Amazon during July’s Prime Day Sale and is $139 now. Last year, the price dropped to $76.49 on Cyber Monday, so you’re probably better off waiting. That, or buy it directly from Keurig.com, where it’s $99.99 today.
Buy: Personal electronics
Our advice is nuanced in this category. Discounts on headphones and smart speakers are a given during Amazon’s major sales. The price of the high-end set of Sony headphones we’re tracking is down to $298 at Amazon ($297 at Walmart) — about $100 off list price — which matches the Prime Day in July price.
Many Alexa-enabled devices and Amazon-branded e-readers are also on sale today. Tablets, fitness trackers, streaming sticks, laptops, cameras and TVs are fair game, too. The 65-inch LG C3 TV we’ve been watching dropped to a low of $1,296.99 at Amazon and Walmart for this week’s sales. That’s $300 less than it was on Black Friday 2023.
But the product release cycle impacts gadget prices. For example, if you were hoping to pick up an Apple Watch Series 9 (GPS + Cellular) with a 41mm sport band at a discount after the series 10 was released, you might be out of luck.
With the new version now out, Amazon was only selling a used version of the previous model for $462.56, and it was unavailable at Target in the weeks leading up to Prime Big Deal Days. If you’re not picky about the color or style you purchase, you might be able to score a deal.
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Skip: Fast fashion on Amazon
Fashion can be hit or miss on Amazon, Woroch says. If you hold off on clothing purchases today, you can save your money for when there are more sales from a wider selection of storefronts about a month from now.
“I would wait for Black Friday weekend,” she says.
More stores participate, and you’ll have the chance to get great deals from brands known for better clothes, she says.
Are Prime Big Deal Days the best time to buy?
Not always. Amazon has created two sale holidays — Prime Day in July and Prime Big Deal Days in October — that have forced other retailers to follow suit.
Our data shows some deals are worth a look. Discounts from Amazon and its competitors during Prime Big Deal Days make it the best time to buy five of the 12 products on our list. Prime Day in July delivered the lowest price for four items on our list.
So, for nine out of the 12 items we tracked, Prime Day in July or October brought the lowest prices. Last Black Friday had the lowest price for only one of the items on our list and tied with Cyber Monday for another.
Here’s a tidbit that sums up shopping online in 2024: Prices can be just as good, or better, during non-sale days. That was the case for the aforementioned Sony headphones.
If you were shopping on a random Tuesday (Sept. 24 to be exact), you could have nabbed them for $285 from a third-party seller on Walmart.com, $12 less than today. But good prices during off-sale periods are tough to time. Waiting for the big sale is easier.
Check competitors and your budget
The Prime Big Deal Days sale isn’t the only one happening this week. Amazon is probably the play for Prime members (most deals require a Prime membership), but online shopping makes it easy to compare prices at competitors. Target Circle week (Oct. 6-12) and Walmart’s first Holiday Deals Event (Oct. 8-13) are both happening now, and our research shows prices are competitive.
Like with Amazon, Target’s sale is for Circle members only (free to join), while Walmart’s sale is open to everyone (although paid Walmart+ members get early access to special deals). Don’t overlook Best Buy, especially when it comes to electronics.
If you have a holiday shopping budget, now’s the time to revisit it. If money is tight and shopping would put you into debt or cause bills to go unpaid, skip the sale. There will be plenty of chances to buy things you want or need in the future. Some distance will give you a chance to research, reevaluate and save.
How we tracked prices
NerdWallet tracked online prices on 12 products at four nationwide retailers — Amazon, Target, Walmart and Best Buy — focusing on Black Friday 2023, Cyber Monday 2023, Prime Day 2024 and Prime Big Deal Days 2024. We selected a range of items, including electronics and home goods, that are popular with shoppers year after year.
Some caveats:
Some products have upgrades or a new model introduced in a given year. In these cases, we continued to track the original item and not the newest generation.
Pricing can vary based on color. When possible, the most basic and/or universal color was selected. If this color or model wasn’t available, we tracked another color.
In-store and online prices sometimes vary. We used online prices to reflect the current retail landscape, which is defined by dynamic pricing, and to ensure we got the most up-to-date prices available.
Get more financial clarity with NerdWallet
Monitor your credit, track your spending and see all of your finances together in a single place.
Architect Richard Holme, a protégé of famed modernist architect Richard Neutra, who also worked in the offices of Neutra, and other legendary industry names like A. Quincy Jones, and Carl Maston, left behind a solid body of work when he passed away in 2010.
Among his projects is a 1979-built, architecturally distinct modern structure in the eclectic and diverse Los Angeles neighborhood of Silver Lake — one that he built for himself and his family.
Now, for the first time in 39 years, the unique, cedar-clad home with updated interiors and generous views is being offered for sale.
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An architectural home in Silver Lake
Listed for $3,380,000 with Maureen Erbe and Henry Blackham, Compass, the property is located in the highly desirable Moreno Highlands area of Silver Lake, Los Angeles.
It offers 2,261 square feet of living space with 3 bedrooms, 2 full baths, and one half bath, as well as terraced gardens, several outdoor patios, decks, and seating areas, all meant to take in the generous views.
Distinct, cedar-clad exterior
The striking residence stands out with its cedar-clad exterior, distinct cubist composition that seemingly climbs up the steep lot, and curving silo-like stair tower. The architecture aficionados at California Home+Design likened it to Richard Meier’s work on the East Coast — particularly the Saltzman house, with its masterful geometric composition.
Beautifully remodeled in recent years
The home’s interiors were tastefully redone by Los Angeles interior designer Brian Bell, with the kitchen and bathrooms seeing the biggest upgrades.
“This is a compelling late modern 70’s architectural home sensitively updated for today’s needs yet appropriate to the original architecture,” says Maureen Erbe, one of the home’s listing agents. “So many of these vintage homes look appealing from the curb, yet have been inappropriately updated over the years or poorly maintained. This one is beautiful inside and out.”
Soaring ceilings, walls of glass amplify the spaces
Impeccably maintained over the years, the home retains its original design details — soaring ceilings, walls of glass, and cedar-clad exterior. But modern upgrades like a dramatic gas fireplace with floor to ceiling marble slab and wide-plank white oak hardwood floors elevate the main living areas.
Kitchen upgrades
With muted tones, a walk-in pantry, and a built-in breakfast nook, the modern kitchen features upscale Thermador, KitchenAid, and Miele appliances, with Calacatta marble and designer fixtures completing the look.
Lofty views
Thanks to its location, the home enjoys city and ocean views from every room, including the deck, and loft, capturing the Hollywood sign, the observatory, lush treetops, and the city below.
See also: Richard Neutra-designed stilt house looms over the San Fernando Valley in Los Angeles
Other spaces
The Silver Lake house has a large loft area with built-ins and limestone counters that could easily be turned into a library. There’s also a studio/workshop, similarly outfitted with built-ins, as well as butcher block counters and a sink. Completing the offering is a double-story garage.
Enveloped by nature
The Richard Holme-designed house is surrounded by lush, terraced gardens with tropical specimen plants, California natives, and fruit trees. And it’s fully prepared to cater to its verdant outdoors with automated irrigation, custom planters, and solar lighting.
Lots of outdoor areas to take in the views
There are several patios, decks, and seating areas for lounging and entertaining.
Close to Silver Lake’s best
The property is located in the sought-after Moreno Highlands area of Silver Lake, which places it within close proximity to top tier schools like Thomas Starr King Middle School and the best of Silver Lake, including shopping destinations, restaurants, dog park, and lake-side strolling areas.
Offered for sale for the very first time
Now on the market for the first time in 39 years, the renovated 1979-built home is looking to fetch $3,380,000.
More stories
A midcentury masterpiece: Richard Neutra-designed Adler House in Crestwood Hills lists for $2.9M
The Sandcastle House, architect Harry Gesner’s unique personal home in Malibu sells for $13.5 Million
Tirranna, one of legendary architect Frank Lloyd Wright’s last works sells for $6 million
Do you want to learn how to become a photographer? Many photographers are making $50,000 and over each year. Today, I have a great interview to share with you. I interviewed my friend Sydney Hampton on how to become a photographer. I actually met her when I hired her to take my maternity photos, and…
Do you want to learn how to become a photographer?
Many photographers are making $50,000 and over each year.
Today, I have a great interview to share with you. I interviewed my friend Sydney Hampton on how to become a photographer. I actually met her when I hired her to take my maternity photos, and later on my newborn photos. We stayed in touch, and I recently asked her if I could interview her for this article.
Sydney is a photographer who focuses on family, couples, maternity, branding, and newborn photography.
The demand for this kind of photography is high, and many people are looking for quality photographers for these types of photos.
Are you wondering questions such as:
How much money can a professional photographer earn?
Is there room for new photographers?
What equipment does someone need to become a photographer?
How many hours does it take each week to run a photography business?
If so, these questions, plus more, will be answered in today’s interview about how to become a photographer.
Today’s interview will help you get started and perhaps even introduce you to a new way to work at home.
Recommended reading:
Tell me your story. Who are you and what do you do?
My name is Sydney Hampton and I am a wife, mom, and photographer. I am the face behind Sydney Hampton Photography. I love being a photographer and helping others figure out their path in the world of photography.
I am also the creator of The Mom Photographers, a group that helps moms who are photographers get more organized, manage their time better, and grow their businesses so that they can grow their business while balancing life as a Mom. The Mom Photographers is a community, educational hub, blog site, and we have a podcast on Spotify that features moms who are photographers and business owners.
What kind of photography do you do?
I do several types of photography, but currently I focus on family, couples, maternity, and newborn. Maternity and newborn have my heart, but I have also done many other types of photography including weddings, senior portraits, and business and branding photography.
This year, I am really focusing on family, maternity, couples beach photography and in-studio sessions such as newborn and business branding. As a photographer in a prime vacation destination, I tend to do a lot of beach mini sessions and have found that men and children are usually not up for full sessions. This has helped to truly launch my business to another level where I am able to do mini sessions weekly.
Why did you decide to become a photographer? How did you get started?
I have always loved photography and really started getting into it in about 2006 when I was in high school. I grew up with photography all around me; my Dad was a professional sports photographer. So from a young age, I learned how to shoot in manual and learned important key things like composition.
Like many though, I really thought of myself as an amateur, especially being around family members like my dad and his brother, my uncle, who also is a photographer but an amazing wildlife photographer. After the first 2 years of college, I put my camera down for a few years. When my father passed, I inherited his camera and really picked it back up as a way to connect with him.
To be honest, it was my husband who gave me the confidence to become a professional photographer. After watching me for 2 years continuously take photos of landscapes, our van, and dog on road trips and seeing the passion I had for it, he convinced me to take a leap and go for it.
I truly decided to become a photographer as a way to do what I love, and maybe make some money. With my husband’s support, we were prepared for it to make nothing, so the risks were low.
In the beginning, I attribute all of my success to the military community! As a military spouse, I was able to reach out to the military spouse community and have clients that I still service 5-plus years later and in different states! The support from that community has been ongoing. I was able to grow a following on Instagram and Facebook, which really helped create my business as a Florida Keys vacation photographer. Having followers and clients who shared my work regularly, allowed me to establish credibility and book new clients.
What do you like about having a photography business?
My favorite part about having a photography business is that I get to be with home with my kids all day every day. Having the freedom to create my schedule, be with my family, and to be creative is beyond any financial benefit. While this year has been my busiest and most financially beneficial year thus far, I have made sure to dedicate time to doing things with my kids where I can set my phone aside. I have found that the biggest blessing has been to step away from work and not be worried.
I love how diverse photography as a career is. For example, it can be very simple like just stock photography on the side, or just weddings or you can open a studio and become a portrait and newborn photographer… Or you can do it all! You can photograph events such as weddings for thousands per wedding, do family sessions, maternity, business advertising, even sell products like landscapes, start blogs and podcasts, create courses, write books, and more. Just like with many other opportunities, the sky is the limit – it’s a perfect career for someone creative and driven, yet also great as a side gig.
I have been fortunate to see many sides of photography from just word of mouth within a small community with a few clients to over 400 clients so far this year alone. I have loved that I get to meet new people with each shoot and that I am able to connect with people from all walks of life.
I believe in growing and learning from others, which is part of why I created a community called The Mom Photographers where I host a podcast/blog and talk with other moms who are photographers about all the topics we face. Things like how do you edit with kids, what does workflow look like when you have kids, and ways to get started. Through The Mom Photographers, I will also be releasing educational videos, courses, presets, and doing hands-on/virtual workshops.
How much money can a professional photographer earn?
Again, it’s all flexible. You can do it very part-time and only make a few thousand a year or you can make a million. It truly depends on a few key principles such as the amount of time and effort you want to put in, the quality/ consistency of your work, and the type of photography you choose to do.
On average, most photographers can expect to make about $50,000 in a small town or non-tourist destination.
In a tourist destination or bigger city it is easy for a photographer to make $75,000+ with the right tools in their pocket and a quality consistent product. Now, I’m not saying anyone who just buys a camera can walk out and expect to make $75,000. It takes professionalism, some business knowledge and having a quality product that people want to buy. It also takes time, but working with a mentor or shadowing a photographer are ways to speed that up. I have also found that those who do start with a mentor or who work under an established photographer their first year tend to make more money and be more successful in the end.
I am actually mentoring 5 photographers currently and just hosted a styled shoot with 12 other photographers. To me, connecting with others is key! So to be able to host a shoot that I create and make money is a blessing.
What equipment does someone need to become a photographer? Do they need to spend a lot of money to get started?
Someone looking to get started will need a camera, a lens, computer and a few programs to help make them successful such as Lightroom. To get started as a family, couples or wedding photographer I definitely suggest having a professional level camera/lens set up.
I always suggest shadowing and making sure it’s what you definitely want to do before you invest in equipment. Knowing that this is the right path for you is step one.
I actually have a free course called: Is Photography Right for you? My goal with this course was to lay out a realistic expectation of what all is involved to start and be successful in the photography industry.
Below is some more in-depth information on what equipment you need to become a photographer:
Camera – I highly suggest starting with a Professional camera. I suggest going with a mirrorless camera. I am a Nikon user, and I suggest getting the best camera you can within your budget. My top suggestion is the Nikon Z 6II which you can find lightly used for around $1300 or Nikon z6III $2500 which was just released in summer 2024. It’s good in low light, sharp, and easy to use. If it is out of your price range, then go for the Z50 would be my next suggestion (which is $1,000 brand new or used around $750). I currently have 2 cameras, a Nikon Z 6II and a Z8 which is my new camera, I went with the Z8 over the flagship Z9 for 3 reasons.
1. It’s smaller and lighter
2. It uses the same batteries as the Z 6II.
3. It was the same performance but less expensive.
Lens – I definitely recommend when you buy your camera to not purchase it with a kit lens. Buy a lens appropriate for the work you would like to do. Example: family, maternity, or portraits – go for a 35mm or 50mm lens with an f-stop of 1.8 or lower, then later add lenses such as 85mm, 50mm, 35mm, and 70-200mm. I like to shoot with a lower f-stop because I like the subject isolation and blurred background. For Family, Maternity and newborn I definitely suggest having a 50mm and a 35 mm. My favorite lens is my 50mm 1.2 this lens gives dreamy background and crisp images. The kit lens often does not hold value for resale well, and it’s better to just buy the camera body without it. Nikon just released a 35mm 1.4 lens which is $599.
Computer – I use an Apple MacBook to do all of my editing. I edit on Lightroom primarily and also on Photoshop. I also use several other programs to assist me in saving time that I go more in-depth with in a few of my Mom Photographer blog posts (Aftershoot, Portraiture, Imagen AI, and Topaz). For newborns and Portraits, I love Portraiture!
Website- You can actually start your website for free through Pixieset. I have been using them for 6 years and they are amazing, I love how everything is integrated. It is not only the host site I use now but how I book clients and deliver galleries. Pixieset also has a print store, and is always looking for ways to improve. Once you do get more involved and find yourself needing to upgrade the prices are still reasonable at $19/month and up. You will still need to get your own url from a site like GoDaddy and you can connect that to your Pixieset.
With those things, anyone can start. The list grows with what type of photography, so I suggest starting simple in one type of photography, like aiming for just family or just branding.
Note about the camera purchase: You can start with an older camera or with what ever camera you have. The goal with starting with an older camera would be to learn to shoot in manual, as well as to learn composition. Just definitely plan to set aside money to upgrade to a professional camera as soon as you can so that you can provide clients with a quality product. Also depending on the photography route you choose you could also start with a camera like a good drone! Think landscape, real estate, marketing, weddings or a way to earn income while saving up for your professional camera. Lots of professional photographers love to work with people who can provide drone video and photo images.
What is your typical work schedule? How many hours does it take each week to run a photography business?
My typical work week varies depending on the time of year. I have weeks where I maybe work 5 hours and other weeks where I work 30 plus. But in general, even at my busiest, I still have freedom to do things with my family that matter, like church 2x a week, dance class 2 days, or enjoy time with my family and our little farm.
Each morning, I spend the first 15 minutes checking all emails, scheduling social media posts, and responding to DMs. I often also find that my best editing hours are between 10 p.m. and 3 a.m. because I have a two- and four-year-old! Batching content is also a great way that I save some time.
Is there room for new photographers?
Many may say no, but I say Yes!
Lots of room, and there will be room for anyone new. In any industry, there is always someone who is burned out, not driven, not open to changes in the industry. There is always a new style, but even more so, there is simply just a huge range of customers and what they are looking for.
There’s someone who wants a $100 shoot or a $10,000 shoot. So it’s important to know where you want to fall in there and to aim for how to build your business and create the quality product worth what you want your target market to be.
For new photographers, you can be a second shooter or an associate shooter for a well established photographer. This is a great way to start while still working a regular job and never have to edit anything except what you want for your own personal use. This is something most photographers, including myself, don’t know before taking the plunge to be professional.
Looking back, this is the perfect approach for someone with a job or a busy life not wanting to ruin their name doing free shoots and never gaining repeat clients. It’s also a great way to learn and cash flow everything while not taking huge risks.
Also, I am a strong believer in being a business with insurance and everything you need to be legit. You can start as a luxury photographer without having to spend 10 years to get there, but you need to be able to create a luxury product consistently, and that does take some time and guidance from others such as mentors. You will need honest feedback from someone who knows photography well.
Can you list the steps to get started with a photography business?
First make sure its something you want to do, my suggestion is shadow someone, watch Youtube videos or take a course like my free course: Is Photography right for you?
Next is get a camera, or even rent one, to learn how to shoot in manual and to build a portfolio for Instagram and your website. You should have 50-200 unique edited images that you feel, and others honestly feel, show the quality of what you would like to charge for your website.
I have found that honest criticism is key to success, so being able to hear someone say, “No, I would not pay $350 for your work,” and why is important. All friends and family will always sing your praises, but you need to know what clients or potential clients think when they look at your website. Be open to criticism, and allow it to help you grow, don’t ever let it set you back!
What are your best tips for someone who wants to become a photographer?
Find a prominent photographer in your area to shadow, or mentor under. You can even shadow or mentor under me from anywhere in the world. I also can help you find a reputable photographer in your area. Shadowing is really a great way to start.
My biggest tip, keep learning. The industry is constantly changing, growing with it is key!
Always accept criticism and be open to seeing your work through the eyes of others even if its discouraging at first it will help you to grow in the long run and eventually you will become your harshest critic.
Figure out the style you want to portray and use a preset to create consistency in your work.
Build a website and social media following.
Shoot as much as you can, even if it’s your neighbor or kids.
I do offer a mentorship program with an in-person and a virtual mentorship option. You can find the mentorship program information by clicking here.
What are your goals for your photography business for the future?
My goals for this year, now that I have hit a 6-figure-income photography business, is to create passive income. I would also like to grow and spend more time with my family.
Knowing that our family would like to possibly add another little one in the future and that I tend to take off up to 6 months postpartum, having passive income or finding ways to keep my photography business moving while I am out has been my goal.
With this in mind I created a team this past year, started another blog and a podcast. I also created The Mom Photographers to not only achieve my goals but also to help other moms have a one-stop shop to learn, grow, vent, and connect with other moms who are photographers. The Mom Photographers is a Facebook group as well as a website, blog, podcast, community, and educational hub.
I will be releasing a few courses in the next 6 months:
Is Photography Right for You?
How To Get Started as a Professional Photographer While Being a Mom
The Mom Photographers Course for Established Professionals Looking To Grow and Dedicate More Time With Their Family
Kids- College guide to photography as a Job: with a focus on growing wealth at a young age and avoiding debt.
I will also be going more in-depth with the podcast and YouTube, adding free educational information, weekly tips, advice from experiences myself and others have learned, business trends, and ways to grow.
My financial expectation this year is to hit $175,000 and 3-5year goal is $1 million/year. I always aim to set realistic expectations and my goals are higher. Over the last few years my income has grown each year by 50-100 percent, so for me a competitive goal keeps me motivated.
I am fortunate to have my husband, a retired military warrant officer, to be my support system and help me in all aspects. My husband is my rock who not only homeschools our kids while I do shoots but also drives me to each shoot and helps me stay on task. Without him, I would be nowhere near as successful. It is imperative for anyone’s success that they have a good support system if they have kids or a family.
We are also fortunate to have zero debt including our home – our mini modern farm, as we call it! Complete with our 4 dogs, 2 cats, 10 ducks, and 13 chickens.
Photography has very much been a financially freeing stream of income that has allowed us to live in a million-dollar paid-for home on top of my husband’s retirement from the military. It also allows our children to grow up with the unique opportunity of having both parents with them every day. I am 34 and my husband is 45, we believe in being debt free and cash flowing everything. Making Sense of Cents often talks about the many benefits of financial freedom, and how to grow wealth. When I mentor photographers I also make sure to include how important it is to not build a business on debt, and that saving for three categories is imperative- taxes, emergency fund, and equipment upgrades.
The World of Hyatt Credit Card has a limited-time welcome offer for new cardholders that could help with travel goals in the next year.
Those who apply and are approved for the card through Oct. 31, 2024, get this sign-up bonus: Earn five category 1-4 Free Night Awards to use at Hyatt hotels after spending $4,000 in the first three months of opening the account. This offer includes domestic and international properties.
Compared with the card’s previous sign-up offer, this bonus is much more straightforward and easier to attain — although it’s also less flexible. Here’s why.
The card’s former offer enabled you to earn up to 60,000 bonus points, but in two different tiers: It awarded you 30,000 points after spending $3,000 on purchases in the first three months of opening the account. And then, for the first six months, you earned 2 points per $1 on spending that would otherwise have earned only 1 point, on up to $15,000 spent.)
The new offer of five free nights is certainly less complicated. But depending on how you book at Hyatt, the previous offer might have allowed you to redeem those 60,000 points for even more than five nights, assuming you booked lower-category properties.
Even so, if the Hyatt family is your hotel group of choice, you should easily be able to extract enough value from this new offer to more than make up for the card’s $95 annual fee. As a cardholder, you’ll also earn ongoing rewards in a variety of categories:
4 bonus points per $1 spent with your card at Hyatt hotels, including participating restaurants and spas. Properties under the Hyatt umbrella include the Park Hyatt, Miraval, Andaz and Hyatt Place. (On top of that, you’ll earn 5 points per dollar spent at Hyatt hotels by being a member of the World of Hyatt loyalty program.)
2 points per $1 on dining at restaurants, airline tickets purchased through the airline, fitness club and gym memberships, and local transit and commuting.
1 point per $1 on all other purchases.
You can redeem points for hotel stays, room upgrades, eligible purchases at select Hyatt locations and more.
In addition to the sign-up bonus, the card also offers a free night at any category 1-4 Hyatt hotel or resort every year after your cardholder anniversary, and an extra free night in a similar property if you spend $15,000 in a calendar year. As a cardholder, you’ll also get automatic Discoverist status, which makes you eligible for a 10% bonus on points earned on eligible purchases, an upgrade to a preferred room (if available), late checkout (if available) and waived resort fees on Free Night Awards.
In the scenic mountains near Tannersville, New York, a 31-acre property with a storied history, breathtaking natural surroundings, and oodles of rustic charm is now up for grabs.
The historic Catskills house dates back to 1903 and was once home to a beloved stage actress who turned it into a gathering ground for art lovers and creative minds, taking advantage of the home’s proximity to the famed artist and writers’ retreat, Onteora Club.
Known as Caddam Hill, the 31-acre Catskills property is a luxury retreat with a distinctly rustic feel, unlike anything we’ve seen recently — and it’s now up for grabs for $3,450,000.
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Newly listed for $3,450,000
The Catskills house is now being brought to market for $3,450,000 by the Coldwell Banker Village Realty office in Windham, N.Y., with Sharon Knudsen and Nadine Bechle in charge of the listing.
Public records show that the home last sold for $1,400,000 almost two decades ago, in 2005.
A peaceful retreat that transcends time
Located at 863 County Road 25 in Tannersville, New York, the 31-acre property is anchored by an 8,500-square-foot home with 6 bedrooms and 5 baths.
But its merits cannot be reduced to a list of specs, as the property’s generous acreage also comes with majestic mountain views, a trail system, a spring-fed pond, and sparkling streams.
“This estate transcends time,” says agent Sharon Knudsen. “The majestic mountain views and sparkling streams surrounding this Catskills home have made it a peaceful retreat for more than a century. You can just sit on the deck, watch the sunset, take in the quiet and breathe. That’s a comfort that never gets old.”
Built at the turn of the 20th century
The home traces its history all the way back to 1903, and its standout architecture hints at its storied past.
According to Nadine Bechle, “Caddam Hill was constructed by renowned architect George Reid with a beautiful mix of Arts & Crafts and Country French styles. His client was stage actress Maude Adams, whose fame in her time rivaled stars like Scarlett Johansson today.“
Once home to one of America’s greatest stage legends
Locally, the house is well-known as the former home of Maude Adams, recognized as one of America’s greatest stage legends (and one of the highest-paid actresses of her time).
A lauded producer and theatrical designer, Adams also worked with General Electric to invent new lighting technologies that were used both on-stage and off. She was most celebrated during her life for her stage portrayal of Peter Pan in the 1905 Broadway production.
It was part of the storied Onteora Club, the original Catskills artists’ retreat
The house was once part of the storied Onteora Club, the original Catskills artists’ retreat which, according to one of its founders, Frank Thurber, “grew by an accident of friendship, the human instinct for congenial companionship, the desire to draw people whom we loved into an almost unknown realm of beauty… Where we could build a camp or cabin and live the wild life for a little space.”
Maude Adams was a member of their club, pioneering the spirit of nature-inspired creativity that still characterizes the Catskills region today alongside other famous artists and writers, including Mark Twain.
Modern upgrades have not taken away from the house’s rustic charm
While the house has seen its share of upgrades over the years, it retains its historic and rustic charm.
“The history is very much present in this home, but it has been seamlessly updated for modern comfort and practicality in every way imaginable, without losing any of its prodigious original character,” listing agent Nadine Bechle tells us. “You can live there like a star in any era.”
Rustic meets luxury
Stepping inside the 8,500-square-foot home, wood-clad spaces and towering beamed ceilings greet residents and their guests with a timeless approach to luxury.
The great room retains the original woodwork
Caddam Hills’ stunning great room wows with its original woodwork, wooden beams, gleaming oak floors, and antique windows that take in the spectacular mountain views. Adding to the charm is a stone fireplace that completes the timeless design.
A well-appointed chef’s kitchen anchors it firmly in the 21st century
A tasteful kitchen brings a note of modernity without disrupting the home’s overall rustic design and features luxe appliances, vaulted ceilings, and a large kitchen island, with balcony doors opening to the home’s wrap-around deck.
More modern amenities
Other standout spaces and amenities include a billiards room, media room, gym, and a cozy bar.
See also: 13 of our all-time favorite Midcentury Modern houses (and some of their famous past owners)
An exquisite primary suite
Our favorite part of the house is the oversized primary suite, an elegant space that emanates warmth despite its size.
With several seating areas and a fireplace
Here, we find two extra seating areas, a stone fireplace, and generously sized windows to take in the beautiful surroundings.
Spaces to gather, reflect, and create
Throughout the 8,500-square-foot home, we find places that invite rest and introspection, with many of them hinting at a time long gone when technology and devices didn’t command our attention at every corner.
Just as many spaces to entertain
But there are also countless spaces meant to entertain guests and friends, from the charming bar to the sizeable dining room or billiards room.
Close to the biggest attractions in the Catskills
Caddam Hills is conveniently located close to some of the biggest attractions in the vibrant four-season Catskills community, including Kaaterskill Falls, Twilight Park, Hunter Mountain Ski Resort, the trails of Catskill Park, Colonial Country Club, Colgate Lake, and more.
It’s also within proximity to performing arts venues and celebrated restaurants, including the highly rated Deer Mountain Inn, located a few minutes away from the house.
Neighboring the Mountain Top Arboretum and the Hunter Foundation
The property’s acreage connects to the Mountain Top Arboretum (156 acres of protected land), the Hunter Foundation (136 acres), and the Onteora Club where Maude Adams once mounted theatricals with friends.
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“A one-size-fits-all national code is rigid and does not account for regional differences,” said Hughes. “Such an approach would impose numerous unnecessary requirements on builders, ultimately resulting in higher costs for home buyers.” In his testimony, Hughes pointed to the Promoting Resilient Buildings Act, which would give local governments more control over how they adopt … [Read more…]
Decorating a rental bathroom can be tricky since you’re limited by rules that prevent permanent changes. However, with some creativity, you can still achieve the ultimate apartment bathroom makeover without risking your security deposit.. Check out these DIY upgrades and renter-friendly decor tips to elevate your bathroom into a space that feels like you, whether you’re living in a trendy downtown apartment in San Francisco, a charming coastal home in Miami, FL, or a rental house in Omaha, NE.
1. Maximize storage with over-the-door shelves
Storage is often limited in rental bathrooms, but Deborah Tayloe, published author and blogger at DIY Home Garden, suggests using the space above the door. “Storage is at a premium in an apartment bathroom—but look above the entry door for extra space. Adding a storage shelf to that spot is an easy DIY,” explains Tayloe. With a few drywall anchors, you can install a sturdy shelf to hold items like towels or toiletries in decorative baskets. This simple upgrade is functional and renter-friendly.
2. Style with coordinated textiles
Textiles are a quick and easy way to refresh your bathroom during an apartment bathroom makeover without making permanent changes. Michael Miller from Old Fashioned Bathrooms explains, “Shower curtains, bath mats, and towels can be utilized for a coordinated, seamless look to the bathroom without breaking the bank.”
You can even opt for patterned or bold-colored shower curtains to make a visual statement. Iker Rizo from Item International adds that a “shower curtain with bold patterns is a perfect way to add personality without altering permanent fixtures.”
3. Add adhesive tiles for an instant makeover
For renters who want to dramatically change the look of their bathroom, peel-and-stick tiles are an ideal DIY upgrade. Adam Morgan, creative director of ArchAdemia, shares his experience. “Stick-on wall and floor tiles completely changed my bathroom when I was working as a young professional,” says Morgan. These renter-friendly tiles can be removed without leaving any damage, making them perfect for transforming your space. Iker Rizo of Item International also chimes in and suggests using removable tile stickers to refresh outdated tiles or to create a focal point.
4. Use freestanding accessories for function and style
To avoid permanent installations, Michael Miller from Old Fashioned Bathrooms recommends freestanding accessories. “Opting for a freestanding toilet brush, toilet roll holder, or soap baskets are a great way to add a new level of luxury to a bathroom without making a mark.” These accessories can easily be added or removed without damaging walls or floors. A freestanding floor mirror can also make the bathroom feel larger.
5. Incorporate elegant storage solutions
For a blend of function and style, Halie Molino from Pacific Candle Company in Huntington Beach, CA suggests using woven baskets for your apartment bathroom makeover: “Opt for elegant storage solutions like woven baskets for a chic and practical vibe.” These baskets can be used to store towels, toiletries, or even small decor items, giving your bathroom a more organized and luxurious feel.
6. Install adhesive floating shelves and hooks
If you need more storage but don’t want to drill holes, adhesive-mounted floating shelves are a great option. “Use adhesive, non-damaging hooks or floating shelves to add extra storage without drilling holes,” Raf from Meble Furniture in North Carolina recommends. These shelves provide space for storing daily essentials or displaying decorative pieces, and they’re easy to remove when you move out.
7. Elevate your lighting with stick-on fixtures
Lighting can transform the mood of a bathroom, and Jennifer Zuber from Point Electric weighs in on this for your apartment bathroom makeover. “Consider using battery-operated stick-on wall sconces or sleek LED lights for a quick and easy lighting upgrade.” These renter-friendly fixtures don’t require any hardwiring and can easily be installed or removed. Add dimmable bulbs for a relaxing ambiance that makes your bathroom feel more luxurious.
8. Optimize your space with clever storage solutions
Gary Svare from Polar Tool & Supply offers a clever tip for extra storage in small spaces. “Choose a shower curtain with built-in storage pockets to keep bath essentials like shampoo, soap, and razors organized and within easy reach.” This practical solution is renter-friendly and won’t take up additional space.
Joyce Wheeler from Tri-Parish Decluttering also suggests using under-the-sink storage organizers in various styles, providing a practical solution to keep essentials neatly stored while enhancing the overall look of your bathroom. Additionally, Iker Rizo recommends installing an over-the-toilet storage rack to maximize vertical space and keep items organized without the need for permanent installation.
9. Refresh your bathroom with custom mirrors
Mirrors are a simple way to add personal style to your bathroom, especially during an apartment bathroom makeover. Andrew Chung from Space Saver explains, “One of the most cost-effective ways of adding personal character to a rental bathroom is to swap out the mirror.” Decorative mirrors or ones with unique frames can add warmth and texture to your bathroom. Pair them with a floating shelf nearby to create a functional and stylish focal point.
Photo courtesy of Space Saver
10. Add coastal vibes with removable decor
If you want a themed bathroom, Laurelle Crossland from Loyal to Nature suggests creating a coastal oasis with renter-friendly elements. “Choose towels and bath mats in ocean hues or stripes. Add serene coastal prints in moisture-resistant frames and use seagrass storage baskets for stylish organization,” says Crossland. Peel-and-stick wallpaper in coastal patterns can also provide a quick and renter-friendly upgrade.
11. Upgrade your shower experience
Swapping out the shower head is a quick and renter-friendly upgrade to enhance your apartment bathroom makeover. Jean-Jacques L’Henaff, leader of LIXIL Global Design at American Standard suggests swapping your basic shower head for a luxurious one to enjoy a more refreshing shower experience. This simple upgrade enhances both style and comfort without any permanent changes. Adding a bidet seat to the toilet can also elevate the bathroom’s functionality and hygiene.
12. Create a relaxing atmosphere with custom fragrances
Adding a calming scent to your bathroom is a simple way to create a more inviting space. Kelsey from Elm Candle Bar in Seattle, WA, recommends “a custom home fragrance” to add elegance. “Our luxurious coconut-apricot candles add a soft glow yet strong fragrance for a touch of warmth,” she explains. Whether it’s a candle, diffuser, or room spray, adding scent can make your bathroom feel like a spa retreat.
13. Stay organized with professional touches
Maintaining an organized bathroom can make a huge difference in your apartment bathroom makeover, helping create a calming environment. Ohio-based professional organizer Tina Mader from Square1 Organizing advises, “A professional organizer can help whip up custom organizing magic just for you.” By organizing your daily essentials, you can create a bathroom that’s both functional and relaxing.
Renter-friendly apartment bathroom makeover ideas: wrapping up
Renting doesn’t mean you have to sacrifice style or functionality in your bathroom. With these creative, renter-friendly bathroom decor ideas, you can easily upgrade your apartment bathroom without making any permanent changes. From smart storage solutions to simple lighting upgrades and DIY decor, there are countless ways to personalize your space and make it feel like home.
If you’re planning to purchase homeowners insurance, or renew your policy, your insurer may ask you to get a “4-point” inspection — one that assesses the home’s electrical, plumbing, roofing, and HVAC systems.
Insurers typically use this type of inspection, which is different from a standard home inspection, to determine how much risk they might assume if they issue a policy on an older home, or a home in an area that’s more vulnerable to natural disasters. But it can also be a useful tool for buyers and owners who want to identify potential safety hazards or other problems.
Read on for a look at how to prepare for a 4-point inspection, what you can expect the inspector to look for, and the steps you might take if the inspection raises some red flags.
4-Point Inspection vs Full Home Inspection
Though there may be some overlap between 4-point inspections and full home inspections, each type of evaluation has a different primary purpose.
What Is a Full Home Inspection?
A full home inspection is a common part of the home-buying process. It is important because it could reveal a significant flaw in the property that might make a potential buyer want to renegotiate the home price, which could in turn affect the size of their home loan. Here’s how it works:
A licensed inspector provides a top-to-bottom evaluation of the entire property’s condition, including structural elements, major systems, and appliances. Homebuyers are then alerted to problems both big and small — from a leaky roof or moldy basement to a cracked window pane. Though a full inspection is generally not required by lenders, most real estate professionals recommend getting one. A full home inspection can cost around $300 or $400, but the price could be much higher for a larger home. The inspection may take two to three hours, or more, depending on the size of the property.
What Is a 4-Point Inspection?
A 4-point home inspection is a more focused inspection that is sometimes required when an insurance company wants to be sure a home meets safety standards and is free of problems that might cause claims down the road. A 4-point insurance inspection isn’t always a required part of the home-buying process, but an insurer may ask for it if the home is older, or if it’s in an area that’s prone to flooding, high winds, or earthquakes. The time it takes to do a 4-point inspection, and the cost, are typically lower than a full inspection, but can vary based on the location, size, and age of the home.
First-time homebuyers can prequalify for a SoFi mortgage loan, with as little as 3% down.
Questions? Call (844)-763-4466.
Components of a 4-Point Inspection
A 4-point home inspection covers your home’s four major components:
Roof Inspection
The inspector will visually survey the roof’s condition and overall stability. This includes looking for signs of age, loose shingles or guttering, damaged materials, inadequate attic ventilation, and leaks inside the home that could indicate a problem. Insurance companies want to avoid paying expensive roof replacement costs, so the inspector also will check on the age of the roof, what it’s made of, and the shape (flat, gable, hip, etc.) to help determine how it will hold up.
Electrical System Inspection
Because electrical problems can be a fire hazard, the inspector will look at the home’s electrical panels, circuits, wiring, switches, and outlets to be sure everything is up to code and in good condition. If any part of the system is dated or damaged, the insurance company may require that it be repaired or replaced before issuing a homeowners policy.
Plumbing System Inspection
This part of the inspection can include a check of the faucets, sinks, toilets, drains, water heater, showers, and tubs, as well as a look at the kind of pipes used in the home. Any signs of leaks or other water intrusion into the home could be a sign that the plumbing has deteriorated, is damaged, or wasn’t properly installed. If the pipes are made of older materials (such as galvanized steel or polybutylene), they may have to be replaced.
HVAC System Inspection
The inspector doing the 4-point insurance inspection also will test the heating, ventilation, and air conditioning (HVAC) system to be sure everything is functioning properly. This can include assessing how well each piece of the home’s climate control system has been maintained, how old the separate units are, and how much longer each can be expected to last. The inspector also may monitor the temperature and humidity in various rooms, check the duct work, check for proper airflow, and look for water damage or leaks.
Preparing for a 4-point Inspection
Your role in preparing for a 4-point home inspection will vary depending on whether you’re already the homeowner (selling your property or renewing your insurance) or a potential homebuyer (looking for coverage on a home you plan to purchase). If you’re a homebuyer, you can expect to:
• Find and hire a qualified inspector. (The rules for who can do a 4-point inspection for insurance purposes vary by location.)
• Schedule a time when the inspector can access the home (preferably when you can be there, too).
• Research common home-buying red flags.
• Pay for the inspection.
If you’re the homeowner, on the other hand, you’ll have to do all of the above, plus make sure the inspector has clear access to the necessary areas of your home. You should also be ready to provide documentation that shows the age and maintenance schedule for the systems and structures to be inspected. You also may choose to:
• Fix or replace any missing or damaged shingles on your roof, and repair any problems inside or out. Repair any leaky pipes, slow-draining sinks, etc., and clean up signs of water damage.
• Repair or replace any electrical issues, such as a dated electrical panel or wiring, damaged or dated outlets, exposed or loose wiring, etc., and bring everything up to code.
• Run your heater and air conditioner to be sure they work properly, replace dirty filters or damaged parts, and consider getting air ducts cleaned.
Recommended: The Ultimate Home Inspection Checklist
Hiring a Qualified Inspector
The requirements for home inspector certification vary by location, so it’s important to be sure the inspector you hire has the proper credentials for your area. Friends, family, or your real estate professional may be able to give you recommendations. You also can check out online reviews and ratings. Once you’ve narrowed down your list of candidates, you can contact them for more information about their:
• Licensing and insurance
• Experience
• References
• Availability
• Cost and payment options
• Inspection process and what guidelines they follow
Interpreting a 4-Point Inspection Report
Inspection reports typically are divided into four sections (roof, electrical, HVAC, and plumbing) with detailed descriptions of what the inspector found, photos for visual backup, and checklists and/or tables further noting the age and conditions of the various systems. Inspectors also may include their recommendations regarding repairs or replacements.
After the 4-Point Inspection
A home either passes or fails a 4-point inspection — there’s no in-between or letter grade. If the home fails the inspection, it’s usually because the major components are outdated and/or showing significant wear and tear.
Though an insurer won’t necessarily cancel a homeowner’s current policy immediately upon seeing a failed report, it may require appropriate upgrades and repairs before renewing coverage or offering coverage to someone who plans to purchase the property. The results of the report may also affect the cost of insurance. (Because the inspection and appraisal are two separate parts of the home-buying process, however, a failed inspection won’t affect the appraised price or lead to an appraisal gap.)
If you’re hoping to buy a home that failed a 4-point inspection, you may have a few options to consider:
Negotiate with the Seller
You can talk to the seller about lowering the price on the home or providing a repair allowance so you can make the necessary fixes.
Make Recommended Repairs
You could see if the seller will make the required repairs, then get the inspector and insurance company to sign off on the work before moving forward with the deal.
Obtain Insurance Coverage
You still may be able to get coverage on the home if you can get the repairs done during a time period specified by the insurer. Or you can see if a different carrier will offer you a policy.
If the home requires significant repairs or updates, you may be able to purchase a special policy (such as builder’s risk insurance or vacant property insurance) with a higher premium. When the work is complete, you can apply for a standard home insurance policy.
Recommended: How to Get a Mortgage Loan
The Takeaway
If you own or are in the process of buying a home, an insurance company may require a 4-point inspection before providing a homeowners policy. This type of inspection can help insurers control their risk, because it’s designed to spot current and potential problems in four of the home’s major components: the roofing, plumbing, electrical, and HVAC systems.
Because mortgage lenders typically require that borrowers carry a sufficient homeowners policy, this type of inspection can be an important part of the home-buying process. And though it may seem like just one more hassle, it can also help homebuyers and homeowners avoid safety issues and expensive repairs in the future.
Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% – 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It’s online, with access to one-on-one help.
SoFi Mortgages: simple, smart, and so affordable.
FAQ
How long does a 4-point inspection take?
A 4-point inspection could take anywhere from a half-hour to two hours or more. The time and cost will depend on the size, age, and condition of the home.
Can I attend the 4-point inspection?
Yes, if you’re paying for it, you can and should try to attend the 4-point inspection (although it isn’t required).
What happens if the property fails the inspection?
If the property you own or hope to buy fails the 4-point inspection, you may still be able to obtain homeowners coverage — though you or the owner will likely have to make necessary repairs within a timeframe specified by the insurance company.
Photo Credit: iStock/Hispanolistic
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Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.