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A former high-ranking employee at nonbank The Change Company CDFI (TCC) filed a lawsuit in California accusing the company of retaliation after he notified executives of employees “mischaracterizing loans” to apparently skirt federal reporting requirements. 

The lawsuit, filed in Orange County, alleges that Adam Levine, the chief of staff to CEO Steven Sugarman, began reporting illegal activity by the company’s employees in February 2023 to Sugarman and other executives and board members. 

However, rather than investigating the complaints, the company’s leadership terminated Levine, he claims. 

A representative for The Change Company and Levine’s attorneys did not return requests for comment.

Levine, who was an assistant White House Press Secretary under President George W. Bush and a vice president at Goldman Sachs before starting at the lender in 2021, listed several alleged violations related to lending practices. 

The list includes potential irregularities regarding the Community Development Financial Institutions (CDFI) regulations, specifically a rule requiring lenders to provide annual documentation attesting that 60% of their loans go to the target markets certified by the U.S. Department of Treasury. 

“Plaintiff has documented that TCC falsifies information on its annual certification by mischaracterizing its loans. This includes mischaracterizing the race, ethnicity, and income level of borrowers,” attorneys for Levine wrote in the lawsuit. 

The lender claims that since becoming a CDFI in 2018, it has funded over $25 billion in loans to more than 75,000 families. 

The lawsuit cites potential securities fraud when investors are induced to purchase the lender’s loans in the secondary market based on the false representations on the borrowers’ profiles. Investors looking to support low-income families would not purchase the lender’s loans if they knew they were provided to wealthy individuals or celebrities, the lawsuit states.  

In its seventh securitization on June 14, The Change Company attracted 16 investors to a $306 million offering, including money managers, banks, insurance companies, and private funds. The loans in the pool had a weighted average FICO of 740, LVT of 71.1%, 43 months of reserves, and an 8.72% note rate, the lender said. 

Other allegations made by Levine include after-hours parties at the lender’s premises and recordings of private conversations at the company’s Pacific Palisades office. The accusations include Steven Sugarman and his older brother, Jason Sugarman, who founded The Change Company. 

Levine claims Steven Sugarman tried to block a lawsuit when he instructed the plaintiff to leak confidential documents to a journalist doing a profile on short-seller Carson Block, with whom Sugarman has civil litigation.  

Meanwhile, Jason Sugarman potentially violated Securities and Exchange Commission (SEC) orders by associating with the securities industry – which he has been prohibited from since February based on a consent judgment regarding a scheme to defraud Native American pension funds, the lawsuit contends.

“In light of Jason Sugarman’s known work at TCC, Plaintiff strongly encouraged Steven Sugarman to appoint an outside law firm to certify to regulators, investors, shareholders, and other stakeholders that Jason Sugarman had no material business relationship with TCC,” the lawsuit states. “Steven Sugarman refused to do so and retaliated against Plaintiff by stating that Plaintiff’s business dealings should be investigated.” 

Levine claims he brought his concerns to the appropriate regulatory authority on March 5 and his attorney informed the company the following day. The plaintiff claims he was terminated weeks later without bonus wages and equity compensation that he was “rightfully owned.”  

Source: housingwire.com

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Automated mortgage technology provider Lender Toolkit announced this week that it has integrated with Reggora, an appraisal management software company that focuses on modernizing residential real estate valuations for mortgage lenders.

“We’re elated to partner with Reggora’s modern appraisal management platform, which has a well-documented open API that makes integrations easy to maintain,” said Brent Emler, director of sales at Lender Toolkit. “While appraisals can often complicate the origination and underwriting processes for mortgage lenders, the combination of Reggora’s platform with AI Underwriter will help our clients shorten appraisal and underwriting cycle times and ultimately reduce costs. That savings can be passed on to borrowers.”

The integration allows Reggora’s appraisal management workflow and related data points to be transferred to Lender Toolkit’s AI Underwriter, its automated underwriting system that is capable of processing loans in 90 seconds or less. These data points are automatically incorporated into real-time underwriting conditions, leading to a reduction in underwriting errors and a faster overall process.

By resolving common issues that arise during the appraisal process, such as payment, inspection scheduling, and status updates, the Reggora platform enhances the borrower’s experience.

The platform also addresses inefficiencies associated with traditional appraisal workflows, which have previously hindered mortgage lenders’ cycle times, increased production costs, and negatively impacted borrowers.

“We are excited about the integration of our platform with Lender Toolkit’s AI Underwriter. The integration eliminates the traditionally manual, mundane tasks associated with identifying and resolving loan conditions, which gives underwriters time to focus on more complex issues,” Reggora’s CEO Brian Zitin said.

Founded in 2015, Lender Toolkit specializes in assisting lenders in implementing the necessary organizational changes to maximize results while utilizing its Mortgage Automation as a Service (MAAS) solutions, including AI Underwriter, Disclosure Automation, Prism Income Automation, Post Close Automation, and Investor Delivery.

MASS leverages artificial intelligence to provide solutions that streamline the mortgage origination process for lenders. The company’s software plug-ins, add-ons, and programs can be integrated with the LOS, automating and customizing traditionally manual tasks.

Reggora offers a two-sided platform with configurable workflows designed for mortgage lenders and appraisal vendors. The platform offers payment processing, automatic appraisal ordering, rule-based reviews, appraisal delivery, status updates, and more, with a goal of streamlining the appraisal process for all parties while improving the borrower experience.

This content was generated using AI, and was edited and fact-checked by HousingWire’s editors.

Source: housingwire.com

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True to its brand, Virgin Voyages does things a little differently than other cruise lines, and this ethos extends to its accommodations. Virgin Voyages’ cabins sport a minimalist look with futuristic touches, and its suites exude a rock-n-roll vibe with in-room turntables and peekaboo showers.

While these cruise rooms may be unique in the cruise industry, you won’t have trouble choosing your cabin or suite. Virgin offers a reasonable three styles of standard cabin and eight categories of suites, so your choice will be guided by your requirements around space, price and light.

Virgin also does not use standard cruise industry lingo to refer to its rooms. Inside cabins are Insider rooms, ocean views are Sea Views, and balconies are Sea Terrace cabins. Suites are RockStar Quarters. Many rooms can accommodate one to four guests, often in slightly unusual bed layouts, so pay attention if you’re traveling in a pack and looking to save a few bucks on your cruise fare.

For cruise news, reviews and tips, sign up for TPG’s cruise newsletter.

Whether this is your first cruise ever or your first with this cruise line, you’ll want to familiarize yourself with Virgin Voyages’ cabins and suites before you make that booking. Here’s everything you need to know.

A Virgin Voyages cabin primer

Sea Terrace on Scarlet Lady. ERICA SILVERSTEIN/THE POINTS GUY

Virgin Voyages sails three identical ships, with one more on the way by the end of 2023. Cabin categories and design are standard across the fleet, so if you’re familiar with one ship, you’re familiar with them all.

Here is a breakdown of the cabin types on Scarlet Lady, which should be the same across all the sister ships:

  • Insider inside cabins: 105 (8%)
  • Sea view outside cabins: 96 (7%)
  • Sea Terrace balcony cabins: 1,051 (79%)
  • RockStar Quarters suites: 78 (6%)

The cruise line caters to adults only; all passengers must be 18 years old. That means you won’t find any family-focused accommodations. However, you will find Insider and Sea View cabins designed for solo passengers, with a 3/4 size bed (larger than a twin but smaller than a full.)

Solo Sea View cabin. VIRGIN VOYAGES

Other cabins and suites in all categories can sleep three or four guests. Groups who don’t want to squeeze four into a room (and we wouldn’t recommend it, given Virgin’s tiny bathrooms and limited storage) can take advantage of connecting rooms.

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Balcony cabins are designated either regular, extra-large, centrally located or limited-view, and your cruise fare will change depending on which you choose. Cheeky Corner and Suite Aft Suites are also divided into Pretty Big Terrace, Even Bigger Terrace and Biggest Terrace classes.

Related: The 5 most desirable cabin locations on any cruise ship

Accessible cabins are available in Insider, Sea View, Central Sea Terrace, Extra-Large Sea Terrace and Seriously Suite categories.

All Virgin Voyages cabins mix a hip yet minimalist design (think IKEA or micro hotel) with tech-forward accessories (such as an iPad that controls the A/C, curtains and mood lighting). The look is more spare than you’ll find on other cruise lines that feature thick mattresses, fluffy duvets and faux-wood cabinetry in their cabins.

Seabed in couch setup. MELANIE ACEVEDO/VIRGIN VOYAGES

In standard cabins, the bed is modular – not only transforming from a queen bed to twins but also turning from a bed into an L-shaped lounging couch. In some quad layouts, a queen bed and an extra twin share the same headboard with a bunk overhead. The mattresses are rearranged on a long platform to form various arrangements; any uncovered portion of the platform serves as a nightstand or low table.

A triangular-with-rounded-edges odd-shaped white table serves as a desk and vanity in most standard cabins, with a round vegan leather stool beneath. It partially overlaps the shelving unit beneath that houses a mini-fridge and small shelves. Above is a round mirror and a shelf holding the room-controlling tablet.

Sea View and Sea Terrace cabins trade out the typical cruise ship cabin couch or love seat for a spare director’s style chair with a faux leather partial back and a padded seat.

Virgin also skips a full wardrobe for a more minimalist closet area where a hanging rod and a two-shelf luggage rack with storage baskets are hidden behind a curtain. A narrow floor-to-ceiling wardrobe contains four slim drawers, shelves housing the safe, life jackets and extra linens and a full-length mirror.

Sea Terrace on Scarlet Lady. ERICA SILVERSTEIN/THE POINTS GUY

It’s not a lot of storage space — perfect for one, manageable for two and likely impossible for three or four.

Standard bathrooms are also tiny and lacking in storage space. The shower has one measly shelf and pump bottles of Red Flower shampoo, conditioner and body wash. It offers both a rain shower head and a wand. The rest of the tiny bathroom features a bowl sink and a small vanity where you can store toiletries if you move the hand towels somewhere else (possibly the shelf below with the garbage can).

The entire space is tight, even for average-sized people. If you need spacious loos, you will need to book a suite.

Virgin Voyages ships have eight types of suites, ranging from 352-square-foot Seriously Suites (which are essentially extra-spacious regular cabins with slightly nicer furnishings and a much larger bathroom) to the 2,147-square-foot Massive Suite with separate living and sleeping areas, a music room, and a gigantic terrace with a dining table (with steps up in case you want to pull a Richard Branson and dance on it) and hot tub.

Related: Why you should splurge for a suite on your next cruise

Suites are split into two categories — RockStar Quarters and Mega RockStar Quarters — which determine which additional perks come with your booking.

Virgin claims that 86% of its cabins feature private balconies, and if you can, you want to book one of these. Why? Because each Sea Terrace comes with a sustainably sourced hammock that is extremely comfortable and unusual in the cruise industry — and for us, was the best part of the entire Virgin accommodation experience.

Inside cabins on Virgin Voyages cruise ships

Social Insider cabin. VIRGIN VOYAGES

Insider cabins are Virgin’s name for windowless interior rooms. They measure 105 to 177 square feet and can sleep one (Solo Insiders) to four people (Social Insiders). As we mentioned above, the Solo Insiders have a 3/4-sized bed. The four-person arrangement is two twin beds arranged in an L shape head to head, with two bunkbeds also in L shape right above. The intent is for the lower beds to be made up as couches during the day and transformed into beds at night.

The room is laid out like a standard Scarlet Lady cabin, but on the far wall, where a window would be, there’s a red, round art piece evocative of a porthole.

Ocean-view cabins on Virgin Voyages cruise ships

Sea View cabin on Scarlet Lady. ERICA SILVERSTEIN/THE POINTS GUY

Sea View cabins are slightly bigger at 130 to 190 square feet and can sleep one to three people, with one pull-down bunk and beds that convert from a queen to two twins. They are arranged identically to the Insider cabins, except they have a large round porthole window with a window seat on the exterior wall.

Some Sea View cabins come in slightly different configurations, especially the rooms located where the ship’s superstructure juts out at an angle. We toured one of these practically V-shaped rooms, which had one rectangular window rather than a full porthole. The window was on the same wall as the bed and chair, and the opposite wall had the desk, mini-fridge and mirror. The converging angle of the two walls made it a tight squeeze between the bed and the desk.

Related: Inside vs. outside cabin: Which affordable cruise room is best for you?

The bottom of the V, if you will, had a tall wardrobe and full-length mirror. The top of the V was the wall with the entry door, the bathroom and the closet hidden away in a tight corner by the window.

Balcony cabins on Virgin Voyages cruise ships

Sea Terrace on Scarlet Lady. ERICA SILVERSTEIN/THE POINTS GUY

Virgin calls its balcony cabins Sea Terraces. They measure 185 to 225 square feet, including the 45-square-foot terrace. They can sleep two to four people, but there’s only one bunkbed. To sleep four, two people will need to share a bed, the third bed will be perpendicular in an L shape (so three heads in close proximity) and the fourth is a bunk flush with the cabin wall above.

Sea Terraces share the layout of the other standard cabins. Note that cabins numbers on the port or A side of the ship have the beds by the bathroom and the desk by the balcony, and cabin numbers on the starboard or Z side of the ship have the reverse layout, with beds by the balcony and desks by the bathroom.

Balconies are outfitted with two upright not-that-comfortable metal chairs and a circular drinks table just big enough for two glasses. The real attraction here is the full-size red hammock hung from the ceiling. A grown adult can easily lay out or simply sit and swing in the hammock. Be prepared to come to blows with your cabinmate over who gets the hammock first and for how long.

Related: Why it pays to upgrade your cruise ship cabin

If you love your hammock so much you can’t live without it, you can buy one on board. The custom-designed hammocks are handwoven by women in rural Thailand and sold by Yellow Leaf, an organization focused on community transformation and female empowerment.

Suites on Virgin Voyages cruise ships

Suite with peekaboo shower. VIRGIN VOYAGES

Virgin Voyages’ 78 RockStar Quarters are broken down as follows (based on Scarlet Lady’s deck plans):

  • Two Massive Suites
  • Two Fab Suites
  • Two Posh Suites
  • nine Gorgeous Suites
  • 18 Brilliant Suites
  • 14 Cheeky Corner Suites (six Biggest Terrace, four Even Bigger Terrace and four Pretty Big Terrace suites)
  • 24 Seriously Suites
  • Seven Sweet Aft Suites (three Biggest Terrace, two Even Bigger Terrace and two Pretty Big Terrace suites)
Massive Suite. VIRGIN VOYAGES

The Sweet Aft, Seriously, Cheeky Corner and Brilliant suites are considered RockStar Quarters. They come with the following perks:

  • Access to Richard’s Rooftop sun deck with hot tubs and a bar
  • Complimentary in-room bar setup (no refills)
  • Priority access to dinner and event reservations, plus shore excursion signups
  • RockStar agents (i.e. concierges) who can help you 24/7
  • Priority embarkation

Gorgeous, Posh, Fab and Massive Suites are considered Mega RockStar Quarters. They come with all the RockStar perks plus additional benefits:

  • A daily bar tab for complimentary drinks and bottles of wine throughout the ship
  • Complimentary Thermal Suite access at the Redemption Spa
  • Private transfers to the ship or free parking (depending on the departure port)
  • A personal RockStar Agent
  • Limitless in-room bar
  • Premium Wi-Fi on Caribbean cruises, allowing streaming on up to two devices

The suite that’s right for you will depend on your budget, the perks you value and where on the ship you wish to stay.

Related: How to snag cruise ship suites for less

Among the RockStar Quarters, the Seriously Suite is the most common suite type on board. It measures 352 square feet, including the balcony. It features a European king bed facing the floor-to-ceiling glass balcony doors, tall closet wardrobes, a brass vanity, a shelving unit with a turntable and bar setup and a window behind the bed looking into the extra-large shower. The bathroom is spacious with a marble tile look, and the terrace is only slightly larger than a standard one, with the same furnishings.

The Sweet Aft Suite ranges in size from 416 to 661 square feet, depending on the deck and the size of the balcony. The higher the deck, the bigger the suite and terrace. There’s one Sweet Aft Suite on each deck between decks 8 and 14, and each is located smack in the center of the back of each deck.

These suites also have a bed facing the windows, but the bathroom is to the side with a shower porthole looking onto the oversized balcony. In addition to the standard hammock, the terrace features two padded lounge chairs, a couch and a round metal table (meant for Champagne) and chairs.

The Brilliant Suite measures 482 square feet and looks like an expanded version of the Seriously Suite. The extra space allows for a modular couch that can double as a bed; this suite can sleep up to four. Its balcony is slightly longer than the Seriously Suite’s, meaning it can offer the larger Champagne table of the Brilliant Suite.

The Cheeky Corner Suite also comes in a range of sizes, 615 to 857 square feet, based on deck and balcony size. The 14 suites are at the back corners of the ship on decks 8 – 14, on either side of the Sweet Aft Suites.

Balconies wrap around the back and sides of the ships, and offer the same furnishings as the Sweet Afts but with the hammock tucked away in the side corner. Inside, the room has a corner sofa area and a large wardrobe.

Related: What not to do on a cruise balcony

All of the Mega RockStar Quarters are on Deck 15, directly beneath Richard’s Rooftop, for easy access.

Massive Suite terrace. VIRGIN VOYAGES

The Gorgeous Suite is the smallest at 570 square feet, and can sleep up to four. Its interior is similar to the Brilliant Suite, but the difference is in the balcony. The suite has a double-depth balcony with an outdoor shower and lounge chairs.

The Posh Suite measures 833 square feet, with living and sleeping areas divided by a wall. It can sleep four (the living room sofa can convert to a bed) and has a bath and a half (the master with a peekaboo shower looking into the bedroom and out the balcony doors beyond). The balcony is similar to the other suite terraces with lounge chairs, a hammock, Champagne table and chairs and a small couch.

The Fab Suite, at 950 square feet, is essentially an oversized version of the Posh Suite. The extra space allows for additional seating areas in both the living room and bedroom. It can also sleep four.

All the way forward on Deck 15, each of the two Massive Suites lives up to its name, coming in at a whopping 2,147 square feet. You enter the main living area with a circular couch seating area and a full bar. To one side is the music room, which can double as an extra bedroom; the suite sleeps up to four — that is if you don’t stay up rocking out on the provided guitars all night. An adjacent guest bathroom is ideal for hosting parties.

On the other side, the master bedroom has privacy behind sliding doors and floor-to-ceiling windows. Just behind, the marble-tiled dressing area features two closets and a soaking tub; turn the corner to find the rest of the bathroom, complete with the signature windowed shower.

The also-massive terrace is your own private backyard with a hot tub, outdoor shower, dining table for six, two hammocks, circular couch seating and padded lounge chairs.

Bottom line

Virgin Voyages’ cabins get the job done. However, its standard rooms won’t keep you inside when the real fun is found in the ships’ public areas. Their best feature is the hammock on every balcony.

For more spacious bathrooms, tricked-out terraces, lounge and seating spaces, and extra perks, upgrade to the RockStar Quarters. While you might want to bring the after-party back to your social living quarters, you miss out if you hide out in your upper-deck digs rather than immerse yourself in the entertainment and cozy hangouts found around Virgin Voyages’ ships.

Planning a cruise? Start with these stories:

Source: thepointsguy.com

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Welcome to the world of Bohemian-inspired home design, where creativity knows no bounds and a free-spirited aesthetic reigns supreme. Whether you’re seeking to transform your apartment in Rochester, NY  or add a touch of wanderlust to your suburban home in Orlando, FL, the Bohemian design can transport you to a world of balance, harmony, and unconventional beauty.

In this Redfin, we’ll explore expert tips and advice from professionals in the field to help you achieve the perfect Boho look for your home. Learn from professionals about self-expression, celebrate diverse cultures, and weave your own narrative into your home decor. Whether you’re a seasoned at heart or a newcomer to this design philosophy, these experts will guide you through the process of creating a space that exudes warmth, peace, and the allure of the unconventional.

1. Boho style is all about balance

In Bohemian design, finding balance is key to creating a harmonious and visually pleasing space. While the style embraces eclecticism and the mixing of various elements, it’s important to strike a balance between contrasting elements to avoid overwhelming the senses.

“One common mistake people often make is forgetting that balance is crucial in Bohemian design,” says Josh Cemelich from ABT Modern. “The style’s essence lies in the artful blend of patterns, colors, and textures while maintaining a sense of harmony. An overabundance of elements without careful curation can result in visual clutter rather than a calming, inviting ambiance.”

2. In Bohemian design, there are no rules

In Bohemian design, the beauty lies in its lack of rules and strict guidelines. It’s a style that encourages individuality, self-expression, and a free-spirited approach to decorating.

“I love the freedom that the Bohemian aesthetic offers. It gives me the liberty to mix different eras, such as Twentieth Century pieces, with organic elements like rattan or various woods. The intentional use of eclectic art and sculpture brings in a layer of personal expression that truly embodies the spirit of boho,” says Josh.

“My advice to those embracing a Bohemian-inspired home is to let your space tell your story. Let each piece of furniture, each artifact, each color, and texture echo your personal journey. Remember, in a Bohemian home, there are no rules—only a boundless canvas for your creativity.”

3. Bohemian design is a tapestry of art, culture, and unconventional beauty

Boho design embraces diverse influences from around the world, blending elements of different cultures, eras, and artistic styles.

“Having a Bohemian-designed home is all about celebrating art, beauty, and bold unconventional choices of colors, textures, and patterns that all unexpectedly harmonize together in a delicious collection from all over the world,” shares Studio Mishou. 

“Imagine lush rugs, gallery walls of paintings, light fixtures that resemble interesting giant jewelry pieces, fantastic pillows in all kinds of indulgent fabrics, an abundance of color, and art objects that initiate conversations. Basically, a Boho home is like that eccentric aunt who wears fabulous silk caftans, has traveled the world, and hosts the best cocktail parties with people from all walks of life.”

Courtesy of Studio Mishou

4. Incorporate natural elements into your Bohemian inspired home 

Utilizing natural elements is a fundamental aspect of Bohemian design, adding an organic and grounding touch to the overall aesthetic. The Bohemian style embraces the beauty of the natural world, bringing in elements such as plants, natural fibers, and raw materials. 

“Use natural, sustainable elements such as wicker, rattan, wood, metal, and bamboo, all of which are beautiful and can be utilized in various ways to create an eclectic and grounding ambiance,” recommends Rooms Refreshed.

“Plants are particularly inspiring for creating a Bohemian atmosphere as they bring the essence of the outdoors inside. With a wide range of indoor plant varieties available, mix and match them to create your own living, colorful artwork.”

Courtesy of Rooms Refreshed

5. Add vibrant, colorful expressions for an artistic flair

Bohemian style celebrates the bold and the unexpected, encouraging the use of vibrant hues and expressive palettes throughout the space.

“As an artist who lives and breathes the boho look, I use vibrant color combinations abundantly to create the desired aesthetic. My favorite colors include orange, pink, yellow, bright purple, lime green, and a profusion of teal,” suggests Teresa Stone, Known as the Gypsy Gardener, from The Bazaar On Apricot & Lime.

“My Bohemian home serves as a direct reflection of my artistic expression. My art predominantly revolves around abstract floral themes, and I extend my creative palette beyond canvas by painting on various furniture pieces sourced from thrift stores or stumbled upon curbside..”

Courtesy of Gypsy Gardener

6. Create a look that reflects your personal style

Boho design encourages you to embrace your individuality, allowing your space to become a canvas for self-expression.

“Bohoemian style is about creating spaces that reflect personal tastes and experiences, rather than adhering to specific design rules or trends,” says Luonto Furniture. “ It’s about creating spaces that are not just visually appealing, but also comfortable, inviting, and full of character.”

Courtesy of Luonto Furniture

7. Create a narrative by weaving travel memories into your decor 

Capture the spirit of your adventures by incorporating travel-inspired elements throughout your home. Displaying souvenirs, such as maps, globes, or postcards from your journeys, adds a personal touch and sparks conversations about your experiences.

“Travel is a big focus for me and my family. Sometimes it is to an exotic location like Nepal, and other times it is a Sunday drive to the foothills for a hike. Of course, we have photo albums to record the trips, but I like to keep those memories more present by weaving a lot of our travel finds throughout our house, on bookcases and side tables,” shares Cydney Davis-English, Owner and Design Lead for The English Garden.

“We try to avoid tourist stop posters and shot glasses and instead seek out local artists. Making a purchase from a local artist or shop owner doesn’t have to be expensive, and it helps keep those businesses vibrant. Whether it’s a piece of pottery, a small drawing, or even something functional like a candle or kitchen item, these items can help us relive our trips.”

Courtesy of Cydney Davis-English

8. Add floral accents 

Embracing the presence of flowers and botanical elements brings life, color, and a sense of serenity to your space.

“Make a living, organic element one of your decorating layers,” says Cydney, a third-generation flower shop owner. “With Bohemian styling, it’s easy for things to appear busy and cluttered. By focusing your flowers on one bold shot of colo, you can add a vibrant touch without overwhelming the visual space. Additionally, keep the plant elements simple by displaying them in unpatterned terra cotta pots or colorful ceramics.”

9. Break up your Boho-chic space into zones

“Just as if you were planning a boho-chic wedding, break up your space into zones that will serve specific functions while fitting the desired theme,” suggests Walt Shepard from Inside Weddings. 

For example, create a cozy reading nook with layers of textured pillows, bold-toned blankets, and candlelight emitted from lantern-inspired votives; adorn the dining area with woven place mats, place settings featuring mismatched china in various colors and prints, and organic centerpieces surrounded by bud vases; or curate a bohemian-inspired lounge with a rich velvet or leather sofa, statement vintage chairs, and cozy, soft accents for an eclectic look.”

Breaking up your Boho-chic space into zones is a practical and stylish way to optimize the functionality and flow of your home. By defining specific areas within your space, you can create distinct zones for different activities, while maintaining the overall bohemian aesthetic.

10. Expand your Bohemian space outdoors 

Transforming your outdoor area into a bohemian oasis extends your living space and creates an enchanting retreat.

“I believe in embracing the Bohemian design philosophy not only indoors but also in outdoor spaces,” says says Rafael Montilla from Art Miami Magazine. “By utilizing cozy seating areas, layered textiles, and organic materials, you can create a seamless transition between inside and outside, allowing for a holistic boho experience.”

11. Add texture in every room

“Introduce various textures to add depth and visual interest to your space,” suggests Bohemian Hive. “Combine smooth surfaces like glass or metal with textured materials like velvet, fur, or woven fabrics. Textures can be incorporated through rugs, cushions, curtains, or even wall treatments like textured paint or wallpaper.

Another way to do this is by mixing and matching furniture, old, and new decor. Incorporating unique vintage or thrifted pieces adds character to your eclectic design. Explore flea markets, second hand stores, or online platforms to find one-of-a-kind items that can become conversation starters in your space.”

By incorporating various textures, you can enhance the cozy, eclectic, and inviting nature of Bohemian style.

12. Incorporate live plants whenever possible

 “Plants are a great, low-cost way to add energy and color to your space, and they really enhance the modern boho aesthetic,” shares Homescaped. Bohemian design is heavy in texture and can be a mix of furniture pieces from different styles to create an eclectic, collected over time look. Think macrame planters and that vintage coffee table you saw at the flea market last weekend, combined with a modern sofa and colorful, vibrant throw pillows. Avoid making everything too matchy-matchy.”

Plants not only enhance the aesthetic appeal of your home but also contribute to a healthier and more rejuvenating environment.

Courtesy of Homescaped

13. Use Rainbow prisms to add a magical touch to your space

“Rainbow prisms are one of the most inexpensive, renter-friendly, and easy-level DIY ways to enhance your space,” suggests Amelia Dean, Owner of Bohemian Reves. “Using either a suncatcher window sticker or a faceted crystal hung from clear fishing wire, you can place them in a southwest or northeast window or attach them to the ceiling. 

Placing these prisms in hallways and small areas can have a significant impact, and using both methods together can create captivating dimensions. For bolder prisms, use round crystals as they keep the energy flowing. For softer prisms, stick to flatter chandelier shapes.”

Courtesy of Bohemian Reves

14. Dry-lay tiles on window sills and room borders

“Renting? Not a problem. I have a small obsession with dry-laying tiles without adhering them to transform window sills and room borders,” says Amelia. “Often, after living with and testing tiles in a space, I’ll either find it validates my decision in the spot I choose or that it could have a more suitable home. Perhaps they are more delicate than you thought or they clash with something else that has changed along the way. 

This has saved me countless times. Be sure to keep a flat, solid substrate in mind and only place them in areas that will not be walked on to avoid breaking or damaging the tile. Look for sale tiles or tiles that have less than 1000 square feet left. It’s an amazing way to save money and keep your home diverse and stimulating. Don’t toss your tile samples, they’re often the perfect size for windowsills.”

Courtesy of Bohemian Reves

16. Embrace mismatched furniture

Rather than aiming for perfectly coordinated sets, embrace the beauty of individuality and mix different styles, eras, and finishes.

“The days of matchy-matchy furniture sets are long gone,” shares KB Design. “Especially if trying to achieve the boho look. The more eclectic, the better. If you currently have a more traditional couch set, and trying to upfit on a smaller budget, create the eclectic feel by sourcing a funky coffee table, lamps, playful pillows and low-sitting accent chair. Mirrors, taper candles, books from your travels, and anything else special that speaks personally to you.”  

Courtesy of KB Design

17. Invest in Bohemian craftsmanship

Seek out unique, handcrafted pieces that showcase the skill and artistry of local artisans. Look for furniture, textiles, ceramics, and decorative items that are made with traditional techniques and showcase intricate details.

“Enhance your free-spirited Bohemian Lifestyle by showcasing exquisite solid wood creations in your home,” says Bohemian Works. “Add authentic wood accents that embody organic forms, blending functionality and aesthetics seamlessly. From flooring to kitchen doors, create a harmonious living space that celebrates the essence of Bohemian design.”

Courtesy of Bohemian Works

Source: redfin.com

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Grill up something great without going out.

There’s so much to look for in an ideal Austin apartment. Luxury amenities like high-end pools and rooftops full of cushy lounge chairs are where a lot of people start, but there’s more to the perfect apartment than those flashy features.

To many, the only essential amenity for their Austin apartment is a proper outdoor grill setup. From poolside parties to rooftop culinary creations, the apartment grills on this list are second to none in Texas’ capital city.

To find the best apartments with grills in Austin, look no further than the hand-selected standouts below.

Source: Rent. / Austin City Lights

Detailed stonework and bright pops of color combine to create an interesting grilling area at Austin City Lights. Two gas grills and a stunning fireplace are both accented by stone. Fenced off by a black gate, this area sets a mood that’s equal parts classic and cool.

Located in scenic Sweetbriar, you’ll find bright colors all around this meticulously maintained community. Yellow umbrellas lead you to the pool plaza where a small waterfall separates two swimming areas.

Source: Rent. / Sonterra

Full of rustic charm and modern convenience, the grilling and outdoor dining space at Sonterra uses classic design to set a classy tone around the propane grills. There are also two four-top tables, which sit under a wooded pergola with thick pillars. The whole space has a European air to it, which means you’ll enjoy your outdoor meal with a little extra charm.

Just beyond the grilling space, the rustic vibes continue into the pool area thanks to a darker palette for the lounge chairs and the dense border of mature trees encircling the space. You’ll feel like you’re in another place as you float in the pool of this Northwest Austin community.

Source: Rent. / Bridge at Southpark Meadows

Indoor-outdoor convenience permeates the grilling station at Bridge at Southpark Meadows. While not totally enclosed, there is a roof above the grills and prep area, making a sort of barbecue pavilion. With a four-top table alongside the space, it’s easy to go from cooking to eating without traveling far.

Form and function combine in most of the common spaces throughout this Southwest Austin community. In the lounge, you’ll find plenty of plush seating with cool chevron designs running up a section of the wood-paneled accent wall. For the game room, it’s a classic pool table with a red felt top and a modern light fixture that make for an interesting aesthetic and a great spot to entertain.

Source: Rent. / Moonlight

At Moonlight, what impresses most is the poolside outdoor cooking area. You’ve got a sink with running water and a mini fridge. You can clean as you grill and keep those beverages ice cold. Adding these extra features turns this space into a mini kitchen that’s ideal for outdoor cooking and entertaining.

Situated in Southeast Austin, outdoor amenities abound at Moonlight. There’s a great playground for the kids, with two slides and monkey bars. The pool area, which sits right next to the grilling space, is huge. There are more than enough lounge chairs as well as an in-pool sunbathing shelf for those who like to keep their feet wet when working on their tan.

Source: Rent. / Camden Amber Oaks

There are two propane grills at Camden Amber Oaks. This pair of grills in Northwest Austin sit under their own pergola, with two separate prep stations and two four-top, umbrella-covered tables.

With four grills spread out around a huge and luxurious pool, you’ve got the makings for a perfect, relaxing kind of day, and it’s all without leaving home.

Source: Rent. / Tides at South Lamar

The grill setup is sweet at Tides at South Lamar. Two gas grills sit within a wooden plank stand, giving it a retro look. The green picnic table to the side enhances this feel as well. What makes this area even better, though, is the extra seating right off the grilling patio. Under a patch of soaring palm trees, there’s a long wooden picnic table, extra benches and Adirondack chairs.

The park feel of this South Lamar community pops up in other spots around the property as well. The outdoor garden, with raised beds for residents to use, lives in the middle of a great lawn. More trees line up around the beds and a gravel path takes you right to them. And, while the pool area takes a more minimalist approach to its decor, there’s plenty more greenery throughout the property to enjoy at every turn.

Source: Rent. / Grace Woods

Set up to feel more like an outdoor cafe than an apartment grilling area, this space at Grace Woods has all the right touches. There’s also no shortage of seating, whether you’re under a green umbrella at a table or eating on a lounge chair while you soak up more Texas sun.

If you’re dining alfresco with a big group of friends, you can walk your plates over to the outdoor lounge and really get cozy. The space in this Parker Lane community has two long couches and two chairs.

Source: Rent. / The Bridge at Northwest Hills

Taking it back a little old school, the grilling stations around The Bridge at Northwest Hills rely on charcoal for cooking, rather than propane. You’ll see these pill-shaped grills throughout the community, always sectioned off with some kind of unique flooring, and a small picnic table, the kind with attached seats. One grill has a gravel floor, with a stone paver pathway, while the other is all about the stonework.

Cooking up something with a lot of flavor is easy in this Northwest Austin apartment grill, but what makes this space even better is its proximity to the Greenbelt. While there are great on-property amenities, like a big pool, spacious deck and state-of-art fitness center.

Source: Rent. / Camden Shadow Brook

The best apartments with grills in Austin take into account the need for prep space. At Camden Shadow Brook, an entirely separate bar counter for getting those burgers and dogs ready for the grill meets this need with ease. It’s also a great surface to serve food from, letting friends make their own plates. With two gas grills right behind the prep space, you won’t have any issue going from cooktop to counter thanks to this smart setup.

Another great place in Southwest Austin to call home, the grills sit right beside the massive pool. It’s so big, it’s actually broken up into two separate spaces, three if you count the hot tub. Each section curves into a unique shape, with two stone islands in the middle.

Source: Rent. / Foxwood

A grill that comes with its own porch? Yes, please. At Foxwood, you get a great hangout space alongside the charcoal grill. Covered by a pergola, this patio slab looks out onto the beautiful green space within the community. It’s the ideal spot to enjoy a quiet meal al fresco.

The green space in this Southeast Austin community is a true hidden gem. From your lookout by the grill, you’ll see a long bridge. This crosses over a small creek, with gnarled tree branches hanging gracefully overhead. Two rows of lamp posts keep the area bright even after dark. Overall, this entire space makes it feel like you’re living in a park.

Find the right apartments with grills in Austin

Now that you know what’s out there and are more familiar with the grill setups that really pop, it’s time to find your next apartment in Austin. Lock down a place with a great grill, a good location and all the other amenities on your ‘must have’ list, and you’ll enjoy living in Austin that much more.

Featured Image Source: Rent. / Camden Amber Oaks

Lesly Gregory has over 15 years of marketing experience, ranging from community management to blogging to creating marketing collateral for a variety of industries. A graduate of Boston University, Lesly holds a B.S. in Journalism. She currently lives in Atlanta with her husband, two young children, three cats and assorted fish.

Source: rent.com

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Classical Hollywood shaped modern filmmaking in almost every way, so it’s no wonder that burgeoning film fans would want to dive into the era. Like any era, the period from the advent of sound through the 1960s offers a wide variety of films, from comedies and melodramas to noir films and westerns.

That variety makes it difficult to narrow down what movies from the era are essential viewing, which is probably why one film fan creates an online discussion about which films can be called Classical Hollywood essentials. Other cinephiles are more than happy to chime in, and here I’ve collected ten of the most agreed-upon answers that I just so happen also to have some feelings about.

1. The Night of the Hunter (1955)

Photo Credit: MGM.

The only film ever directed by actor Charles Laughton, The Night of the Hunter is iconic for its visual style, dark fairytale atmosphere, and mesmerizing Robert Mitchum performance. The film centers on Mitchum’s villainous preacher, who attempts to force two children to tell him where their father hid the money he stole. 

2. His Girl Friday (1940)

Photo Credit: Columbia Pictures.

Howard Hawks directed several masterpieces in several genres, many of which were suggested as essential by different respondents. But His Girl Friday is the most widely agreed upon essential film in his lengthy filmography. The screwball comedy classic stars Cary Grant and Rosalind Russel as reporters and exes who fall back in love as they cover an increasingly wild story. 

3. Citizen Kane (1941)

Photo Credit: RKO Radio Pictures.

Another filmmaker who made many films people love, Orson Welles’s Citizen Kane is still the most widely loved of his movies. The film tells the story of the titular Charles Foster Kane’s life through various interviews with the people who knew him, offering different perspectives on the man. It’s a remarkable film that some may say is overrated, but it got that way for a reason. 

4. Double Indemnity (1944)

Photo Credit: Paramount Pictures.

Like Howard Hawks, Billy Wilder’s career spans multiple genres, all of which are well represented by film fans’ suggestions. But his noir classic Double Indemnity is the most essential. It’s quintessential noir, with a story told in flashback with voiceover, effective use of shadow, and a beautiful femme fatale played by the always great Barbara Stanwyck. 

5. Rebel Without a Cause (1955)

Photo Credit: Warner Bros. Entertainment.

The most beloved of the three notable films starring James Dean, Rebel Without a Cause is also one of director Nicholas Ray’s best films. The story follows three teens who each struggle with their families as they begin to develop bonds that form them into a chosen family. It’s a powerful melodrama that’s also visually beautiful. 

6. The Philadelphia Story (1940)

Photo Credit: MGM.

Another film starring Cary Grant as an ex-husband who may be rekindling things with his ex-wife, George Cukor’s The Philadelphia Story, also stars Katharine Hepburn and James Stewart as Grant’s romantic interest and rival, respectively. It’s a delightful comedy full of quick wit and incredible chemistry between its three leads. 

7. The Maltese Falcon (1941)

Photo Credit: Warner Bros. Entertainment.

John Huston, who many may know as Faye Dunaway’s father in Chinatown, is yet another fantastic Classical Hollywood filmmaker whose films split votes. Movie lovers had difficulty picking between The Treasure of the Sierra Madre and The Maltese Falcon, but ultimately more went with the latter.

The film, an adaptation of the novel of the same name by Dashiell Hammet, tells the story of private eye Sam Spade who gets caught between multiple parties on the hunt for a precious statuette. 

8. Rear Window (1954)

Photo Credit: Alfred J Hitchcock Productions.

While there are many filmmakers of the Classical Hollywood era that made multiple films movie lovers recommend, no one made more than Alfred Hitchcock. From my personal favorites, Psycho and Rebecca, to the mistaken identity thriller North by Northwest and even his lighter romantic film To Catch a Thief, and more, the master of suspense is all over the recommendations for essential Classical Hollywood films.

But the one film that most people vote for is his neighborhood thriller Rear Window, which centers on a man stuck in his apartment after an injury who begins to suspect that his neighbor has committed murder. 

9. The Searchers (1956)

Photo Credit: Warner Bros. Entertainment.

Westerns were a staple of the Classical Hollywood period, so it’s somewhat surprising that there are fewer votes for western films. Among the many suggestions, Shane and Red River get some attention, but The Searchers is the western that receives the most agreement. The film, by legendary western filmmaker John Ford, follows an aging Civil War veteran (John Wayne) as he searches Texas for his abducted niece. 

10. All About Eve (1950)

Photo Credit: 20th Century Studios.

Many film fans agree that All About Eve, which still holds the record for most actresses nominated for Oscars from the same film, is an essential Classical Hollywood film.

The movie follows actress Margo Channing (Bette Davis) and the titular Eve (Anne Baxter), who begins forcing herself into Margo’s life, upending her idyllic life and successful career. But if that doesn’t sound interesting enough, the film also includes Marilyn Monroe in a supporting role. 

This thread inspired this post.

Image Credit: Shutterstock – Denis Makarenko

Who is one actress you can never stand watching, no matter their role?  After polling the internet, these were the top-voted actresses that people couldn’t stand watching.

10 Actresses People Despise Watching Regardless of Their Role

These 7 Celebrities are Genuinely Good People

Photo Credit: Shutterstock.

We’ve all heard the famous adage that “no publicity is bad publicity,” and while it tends to be accurate, there are certainly exceptions. But what about those few stars who stay out of the limelight and get along without a hint of trouble? 

These 7 Celebrities are Genuinely Good People

Photo Credit: Shutterstock

Have you ever known someone and thought you liked them—until you learned about their hobbies? Then you get to know them and then you’re like, “Wow, red flag.” Well, you’re not alone.

These 10 Activities Are an Immediate Red Flag

Photo Credit: Shutterstock.

Some celebrities definitely seem to enjoy the limelight and keep working to stay in the public eye. While others quickly move out of the spotlight. Many of these actors and actresses stepped out of the spotlight to live a more private life without constant media pressures.

10 Celebrities That Made the Big Times Then Disappeared Off The Face of the Earth

Image Credit: Troma Entertainment

We’ve all been there – sitting through a movie that we can’t help but cringe at, but somehow it still manages to hold a special place in our hearts.

These 10 Terrible Movies Are Still People’s Favorites



About the Author



Kyle Logan



Source: financequickfix.com

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Hiring a landscaper can remove a major headache from both ongoing lawn maintenance and one-time makeover projects in your yard. Depending on your budget and schedule (not to mention your definition of a fun weekend), it may be worth outsourcing some, or all, of your yard projects.

At my house, my husband and I typically outsource mowing and weed whacking because it’s a fairly low-cost service compared to the amount of free time we gain back each week. On the other hand, I love gardening, and we regularly tackle projects that involve growing flowers and vegetables without the help of a professional. 

If you’re considering getting professional help with your landscaping, think about the types of projects you plan to undertake, plus the time, tools, and skill level involved. Here’s a breakdown of both ongoing and one-time landscape projects, plus how to determine if professional help is worth the cost.

What’s Ahead:

Average landscaping costs: an overview

Service Average cost
Lawn mowing $49 to $218
Bedding plants (selection and installation) $1,366 to $5,641
Disease and insect control Less than $100
Tree trimming $460
Landscape design $1,954 to $6,971
Deck construction $7,300
Exterior light installation (10 lights) $2,000 and $2,500
Drip irrigation system (per acre) $2,150
Sprinkler system $2,500

Ongoing services

Having consistent professional help can keep your yard clean and healthy. A well-maintained yard is good for wildlife and also motivates you to get outside more often and enjoy it, so it is a big deal!

Lawn maintenance

Ongoing lawn maintenance involves mowing your grass and weed whacking the edges of any hardscaping, like the sidewalk, driveway, and flower beds. The lawn maintenance company provides their own equipment, as well as any products that may be needed. In the fall, you can also add leaf removal services and have the collected leaves taken off-site by your maintenance crew.

Costs vary depending on the size of your lawn and how intricate any weed whacking may be. According to HomeAdvisor, average prices range between $49 and $218. Depending on your weather, you may opt for weekly or bi-weekly service. The rainier it is in your area, the more frequent mowing may be needed.

Pros of hiring a landscaper:

  • Seasonal expense in many areas. During cooler-weather months you may not need to pay for lawn maintenance.
  • Get on a schedule. Avoid tall grass by scheduling recurring services from your maintenance crew.
  • Avoid paying for and maintaining lawn equipment. Upfront and ongoing maintenance costs for lawn mowers and weed whackers can quickly add up, especially compared to the relatively low cost of professional lawn maintenance.

Cons of hiring a landscaper:

  • Extra cost added to your monthly budget. Go the DIY path if your budget is already tight or you’re focused on important financial goals like debt payoff. 
  • A fixed schedule may not meet your lawn’s needs. Low rain could mean you’re paying for service even without tall grass. On the flip side, your lawn may be ready for a trim after heavy rain, days before your next mowing is scheduled.

Bedding plants and installation

Spending time in a yard filled with beautiful plants can give you countless hours of joy throughout the year. Plus, you’ll create a haven for all types of important insects, including pollinators.

A professional landscaper can pick out plants that thrive in your area and in specific spots in your yard. You can also get advice on plants that work best for your preferred level of care, whether you want to invest the time to water and weed, pay to outsource those tasks, or focus entirely on low-maintenance plants in your landscape.

The cost of getting a landscaper to choose and install plants ranges from $1,366 and $5,641. If your landscaped beds have become extremely overgrown, this expense may be worth the cost, but if you simply need to pop in some annuals to fill up space, this might be a better DIY project.

Pros of hiring a landscaper:

  • Create year-round interest. A landscaper’s expertise ensures your flower beds aren’t dull three out of the four seasons of the year.
  • Choose the right plants based on water and sunlight needs. Avoid killing plants and wasting money by picking the right options for your yard’s conditions.
  • Pick colors and textures that complement each other. A landscaper creates an overall theme, whereas a DIY approach may create competing colors, heights, and textures.

Cons of hiring a landscaper:

  • Can be costly. The expertise of a landscaper definitely comes at a price.
  • You have less control over designs and colors. A DIY approach may be better if you have a very specific aesthetic you want to achieve in your yard.

Disease and insect control

Insects are a natural part of the garden’s ecosystem, but some bugs and diseases can actually harm your plants. There are many ways to mitigate these issues on your own, like promoting healthy soil and encouraging beneficial bugs that prey on the damaging types. For instance, ladybugs eat aphids, an insect that can cause major damage to vegetables, fruit, roses, and other flowers. 

But if you need help, a professional landscaper can manage these issues as well. Just be sure to ask about the products they use and the ingredients, especially if you grow edibles in your garden. Non-organic ingredients can be harmful to you, your plants, and beneficial insects. A standard pest treatment typically costs under $100, according to Thumbtack.

Pros of hiring a landscaper:

  • Fast and easy service. Outsource the work rather than trying to figure out what products and treatment you need.
  • The expertise of specific disease and pest issues. Make sure you’re treating the right problem, so you don’t waste money on DIY “solutions” that just don’t work.

Cons of hiring a landscaper:

  • May use harmful ingredients. Ask what products the landscaper uses and check to see if the ingredients align with your needs, especially if you grow an organic garden or have outdoor pets.
  • Less control over products and processes used. You need to trust the professional you hire.

Tree services

It’s important to regularly care for any trees near your house since they can cause damage to your home as they grow larger. The biggest issues are trees extending over your roofline and dead trees eventually falling. Regular tree maintenance includes pruning your trees to keep them disease-free and trimming away dead branches. Your trees will stay healthy, and you don’t have to worry about branches falling and hurting someone or something on your property.

You can certainly buy the tools needed to care for your trees and take a DIY route, but you also need to learn about how pruning affects each tree and what time of year is best for curbing tree growth. Hiring a landscaper to do the job could very well keep your trees in better shape, not to mention help you avoid the risk of injuring yourself. Just be sure your tree service landscaper is licensed and insured in case they sustain an injury while on the job. 

The cost of having tree work done is dependent on how many trees are on your property, their size, and whether or not they need to be felled.

Pros of hiring a landscaper:

  • Trees safely pruned. Landscapers have the knowledge and experience to keep people safe.
  • Avoid damage to surrounding property. Falling trees can cause damage to nearby houses, cars, or fences. A professional knows how to cut strategically so the tree lands where it should. 
  • Pick the best season for pruning. Pruning in some seasons spurs new growth, while other seasons are best for managing size. 
  • Utilize the right equipment for hard-to-reach places. Tall trees could require heavy equipment, like a cherry picker or scissor lift.

Cons of hiring a landscaper:

  • Can be costly for tall trees. Tree trimming is important but will take a pretty big bite out of your budget.
  • Unlicensed landscapers could be an insurance liability. An uninsured contractor who gets injured on your property could require you to file a claim with your homeowners insurance policy. 

One-time landscaping services

In addition to ongoing lawn care, weigh the pros and cons of hiring a landscaper for one-time landscaping projects.

Hardscape design and installation

No matter what size your yard may be, a professional landscaper can help you design hardscaping to maximize its usability. This could be with decking, a stone patio, pergola, or other hardscape features. The design and installation are typically two different services. A professional landscape design for your outdoor space could range from $1,954 to $6,971. For the actual labor and materials, your costs vary greatly depending on the size, scope, and materials.

These projects are typically better left to the professionals instead of a weekend warrior project, unless you have above-average DIY skills. For a homeowner with limited experience, you run the risk of unlevel patio stones or structurally unsound hardscaping if you attempt large-scale projects on your own. Plus, projects like decking typically require city or county permits and approvals. 

Pros of hiring a landscaper:

  • Quality craftsmanship. Avoid the DIY “look” by using a detail-oriented landscaper. 
  • Faster results. Get your project completed all at once, rather than fitting it into your own busy schedule here and there.

Cons of hiring a landscaper:

  • Expensive costs. Expect to spend several thousand dollars for hardscaping projects.
  • Potential need to manage multiple professionals. You may have to manage the landscape designer and installer separately.

Landscape lighting

Incorporating lighting into your landscape can add a magical nighttime ambiance to your yard. There are different levels of service depending on the property features you want to highlight in the evening. You could add uplighting towards the home to draw attention to unique architectural features or illuminate walking paths to see where you’re going in the dark. String lights for garden parties are also a popular upgrade when it comes to landscape lighting.

Some of these projects are fairly simple to DIY and if you opt for solar-powered lights, you can especially save money since you won’t have to plan on an electrician having to wire anything. For bigger projects that do require re-wiring, you may want to hire a professional so you don’t hurt yourself. Electricity is not something that you should play around with.

Costs vary on the type of lighting and how far your cables need to go from existing electric lines. 

Pros of hiring a landscaper:

  • Safer than DIY. This is especially true if new electric cables are involved. You don’t want to set yourself up for a fire hazard.

Cons of hiring a landscaper:

  • Solar projects may be easier. In some cases, DIY projects may be simple if no new electrical cables are needed.

Lawn and garden bed irrigation

If your summers are marked by dry conditions or inconsistent rain, you might consider installing a sprinkler system for your grass and irrigation lines for your garden beds. Irrigation can keep your plants healthy all year long.

If you’ve already invested in lawn seed and garden plants, this could be an important project. Plus, while the average drip irrigation system costs upwards of $2,000 for an entire acre, there are plenty of online DIY tutorials that can help you spend even less. In fact, if you’re willing to do some digging and connect some PVC pipes and soaker hoses, you could knock out this project for around $100 (depending on your garden size).

A new sprinkler system might be pricy, but you can purchase a DIY kit if you feel confident in marking zones and digging trenches throughout your entire yard. Based on the mechanics involved, this would definitely be a project for more seasoned DIYers.

Pros of hiring a landscaper:

  • A quick process with limited mistakes. A landscaper can quickly get irrigation or sprinklers in place without digging into buried power lines or pipes.
  • Minimal disruption to grass and other plants. Landscapers have tools to limit the disruption to your lawn, especially compared to you digging trenches by hand with a spade.

Cons of hiring a landscaper:

  • Small irrigation projects may be simple and inexpensive. You could certainly DIY raised bed irrigation or other areas that aren’t intrusive.

Saving with a DIY approach

When deciding which projects to complete on your own, start by evaluating your safety and skills. Selecting and planting plants takes a little research, that way you can make sure that you are planting them in the right place. That said, it can be a fun experience and much less expensive to tackle by yourself. Consult the staff at your local garden center to get ideas of what plants perform well in your area. If you make mistakes, you can always plant something new.

For projects that have an element of danger involved, like trimming trees or building a deck, consider shelling out the money for the professional. You don’t want to risk building a faulty structure or mistakenly estimating where a tree could fall. 

Project DIY cost Professional cost
Planting Cost of plants $1,366 to $5,641
Lawn maintenance Average cost of lawn mower: $363 for push mower; $2,450 for rider mower
Plus gas and maintenance costs		 $49 to $218 per visit
Deck construction $8 to $10 per square foot ~$25 per square foot

Summary

Some landscaping projects are easy to do by yourself over the course of a few hours, but others take a lot of time, effort, and skill. For some homeowners, it isn’t worth it to take the DIY route.

At a minimum, hire out landscaping projects that may seem dangerous without the right tools or talent. From there, you can gauge how each project cost compares to your budget and timeline to find out if hiring a landscaper is, in fact, worth it for you.

Read more:

Source: moneyunder30.com

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Cell phones are practically a necessity of modern life – but cell phone plans can cost a pretty penny. Whether you’re trying to cut down on your monthly phone bill or are on the hook for paying for your own cell service for the first time, these less expensive cell phone plans are worth checking out.

The best cheap cell phone plans are affordable without skimping on features like calls, texts, and data.

What’s Ahead:

Overview of the best cheap cell phone plans

Boost Mobile

  • Price range – $10 to $50 per month.
  • Network details – T-Mobile.
  • Contract – No contract required.

Tired of paying an arm and a leg on your cell phone bill and want to save on wireless? With Boost Mobile, you could pay as little as $10 a month for a simple, contract-free plan. Boost Mobile’s cheapest plan includes unlimited talk and text and 1GB of data. You also have the option to add on additional “data packs” if you need more data in a given month.

If you’re looking for unlimited data, Boost Mobile’s $50 per month plan features unlimited talk, text, and mobile data, along with a 12GB mobile hotspot. You can add another line to the plan for only $30 per month. Boost Mobile even features an “Affordable Family Plan” with unlimited talk, text, and data for only $150 for five phone lines.

Boost doesn’t make you sign any long-term contracts, so you’re never locked into an extended agreement. The company uses the T-Mobile network and claims to offer coverage in 99% of areas nationwide.

Learn more about Boost Mobile or read our full review. 

Mint Mobile

  • Price range – $15 to $35 per month.
  • Network details –  T-Mobile.
  • Contract – 3-, 6-, or 12-month contract.

If you’re looking for an affordable plan with unlimited data, Mint Mobile is an attractive option. The company offers unlimited talk, text, and data for just $30 per month. Data switches seamlessly between 5G and 4G LTE, using whichever is strongest in your area.

Mint also offers a basic cell phone plan with unlimited talk and text and 4GB of data for just $15 per month. All Mint plans include a mobile hotspot at no extra charge, and you can always add more data to your plan if you run out before the month is up.

Mint Mobile uses the T-Mobile network, and you can buy a new phone or bring your own (as long as it’s compatible with the network and isn’t locked).

Unlike some other cheap cell phone plan providers, Mint does require customers to sign a contract for 3-month, 6-month, or 12-month plans. The 3-month plan is a great way to give the service a whirl, and then you can always sign up for a 12-month plan in order to lock in Mint Mobile’s low introductory prices.

Learn more about Mint Mobile or read our full review. 

Xfinity Mobile

  • Price range – $15 to $60 per month.
  • Network details – Verizon.
  • Contract – No contract required.

Some people use a consistent amount of data each month, but others may have different data needs depending on their work, personal life, and travel plans. Xfinity Mobile makes it easy to transition seamlessly between plans with unlimited data and pay-as-you-go plans with a limited amount of data each month.

Their basic plan starts at $15 per month for one line and comes with 1GB of data. Their unlimited data plan starts at $45 per month. Best of all, you can switch between unlimited and by-the-gig plans whenever you need to.

You can also purchase an unlimited plan for some lines in your group, while paying by the gig for others. This is a great option if you need unlimited data but have other family members, like young children or elderly relatives, who only need talk and text capabilities.

Xfinity Mobile uses Verizon’s network, which means that it has good coverage nationwide. You can bring your own phone to a plan, or purchase a new one. Xfinity Mobile also works with tablets and smartwatches, so you can stay connected on all of your devices.

Xfinity Mobile is only available to existing Xfinity Internet customers, so if you don’t already have Xfinity as an internet provider, it may not be the best fit.

Learn more about Xfinity Mobile or read our full review. 

Ting

  • Price range – $10 to $45.
  • Network details – T-Mobile and Verizon.
  • Contract – No contract required.

Ting shares many great features with some of the other providers on this list: extremely low prices, flexible monthly plans, and no contract required. For example, you can purchase a plan for as low as $10 per month for unlimited talk and text, plus an additional $5 per month per 1GB of data.

But where Ting really shines is its customer service. You can contact customer support over the phone, chat online, or submit a ticket if you’re having difficulties. Ting’s customer service representatives are always there to help.

If you’re looking for unlimited data, Ting has that too, with unlimited plans starting at $45. All plans come with the option to use a portion of data as a hotspot. Ting uses the T-Mobile and Verizon networks, so odds are it provides good coverage no matter where you live.

Also need internet? Ting provides fast, affordable fiber internet in some select cities, including Charlottesville, VA, Wake Forest, NC, and Westminster, MD.

Learn more about Ting. 

Cricket Wireless

  • Price range – $30 to $50 per month.
  • Network details – AT&T.
  • Contract – No contract required.

Many cheap cell phone companies are entirely digital affairs. While it’s possible to purchase a plan, order a new phone, and manage your account entirely online, some customers may prefer in-person assistance. If that’s the case, Cricket is a great option, with brick-and-mortar locations in communities all around the country.

Cricket plans range from $30 to $60 per month for one phone line. While these prices are a little higher than many competitors, you can lower the price per line by adding additional lines.

The $30 per month plan comes with unlimited talk, text, and 2GB of data, while the $60 per month plan comes with unlimited talk, text, and data. There are also plenty of options in between if you only use a moderate amount of data.

Cricket Wireless is owned by AT&T and uses the AT&T network for its customers. Cricket claims that they provide coverage for 99% of Americans. There’s no credit check, no hidden fees, and no annual contract, so you can change your plan at any time.

Learn more about Cricket Wireless.

Tello

  • Price range – $5 to $39.
  • Network details – T-Mobile.
  • Contract – No contract required.

Need a basic cell phone plan and have an extremely limited budget? You can get a basic phone plan with Tello for just $5 per month. No, that’s not a typo. Tello’s most basic plan comes with unlimited text, 100 minutes for phone calls, and no data.

But Tello doesn’t only have the least expensive bare-bones plan. At $39 per month, a plan with unlimited talk, text, and data is also extremely affordable. Plus, Tello allows customers to mix and match plan options.

You can choose exactly how much data and how many minutes of phone service you need, so you never have to overpay for services you won’t use. For example, if you use a medium amount of data but only talk on the phone a couple of times a month, you could choose a plan with 100 minutes of phone service and 8GB of data for $26 per month.

If you don’t want to bother with creating a custom plan, you can also choose from one of Tello’s premade plans ranging from $10 to $39 per month. If you need to make an international call or text, Tello’s pay-as-you-go model means that it’s surprisingly affordable.

Learn more about Tello.

Visible

  • Price range – $40 per month.
  • Network details – Verizon.
  • Contract – No contract required.

Visible offers an affordable cell phone plan with attractive referral bonuses for customers who convince friends and family members to sign up. The basic plan starts at $40, which is a bit higher than some competitors. But each time you refer a friend, you get a month of service for only $5.

You can also add friends and family members to your plan in order to lower your bill through the Visible’s Party Pay option. With Party Pay, costs drop to $25 per line for parties of four or more.

All plans come with unlimited text, talk, and data. Visible uses Verizon’s network, so coverage is good in most areas in the United States. You can also call and text loved ones in Canada, Mexico, the U.S. Virgin Islands, and Puerto Rico at no extra cost.

While Visible doesn’t have the extreme budget plan offerings of some competitors, it’s a good fit for customers who know they want unlimited data, text, and calling but don’t want to pay the high cost of a plan from a big three provider.

Learn more about Visible.

Twigby

  • Price range – $9 to $43 per month.
  • Network details – Verizon and T-Mobile.
  • Contract – No contract.

Looking for a dead-simple phone plan with built-in flexibility and excellent coverage? Consider Twigby, which offers affordable plans starting at just $9 per month before discounts.

Not only does Twigby offer reasonably priced plans, but they also feature some hefty discounts for new customers. Customers can earn a whopping 50% off the sticker price for the first six months. This means that a bare-bones plan with no data and 300 minutes costs a mere $4.50 per month for the first half of the year. A more generous plan with 10GB of data and unlimited minutes costs only $21.50 a month for the first six months.

Twigby plans also come with international calling and texting, WiFi calling and texting, and the ability to use a hotspot at no extra charge. You can buy phones directly from Twigby, or bring your own phone if it’s compatible.

Unlike many competitors, Twigby doesn’t offer any plans that come with unlimited data. The highest amount of data you can purchase as part of a plan is 10GB. For people who need to use their phones a lot without connecting to WiFi, this means that Twigby might not be the best option.

That said, Twigby offers impressively affordable plans with great customer service and plenty of extra perks. Plus, unlike big-name cell service providers, Twigby is refreshingly honest and upfront about pricing and plans.

Learn more about Twigby.

Summary of the best cheap cell phone plans

Provider Cost for one line Network details Contract Best for
Boost Mobile $10 to $50 T-Mobile No Overall
Mint Mobile $15 to $35 T-Mobile 3, 6, or 12 months Unlimited data
Xfinity Mobile $15 to $60 Verizon No Flexible data needs
Ting $10 to $45 T-Mobile and Verizon No Great customer service
Cricket Wireless $30 to $50 AT&T No In-person help
Tello $5 to $39 T-Mobile No Budget prices
Visible $40 Verizon No Referral bonuses
Twigby $9 to $43 Verizon and T-Mobile No Discounts

How we came up with our list of cheap cell phone plans

We looked for cell phone plans that were affordable, flexible, and came with a variety of different options.

All of the providers on this list provide affordable, low-cost plans ranging from $5 to $60 for a single line. On the low end, you can get a budget phone plan with texting and minutes for just $5 a month from Tello. On the other hand, you can get a more moderately priced plan with unlimited data, talk, and text from almost any of these providers.

We also looked for flexibility when it came to contracts, data usage, and billing. Most of these providers let you pay month to month rather than locking you into a year-long contract. Many also allow you to seamlessly switch between plans depending on your needs that month.

Finally, we looked for plans with options. Not everybody has the same cell phone needs, and you shouldn’t have to pay for services that you never even use. These providers offer a variety of different options, whether you only use your phone to call and text, or if you primarily use it for data and as a hotspot.

What are cheap cell phone plans?

Cell phones are ubiquitous in this day and age, but they don’t come cheap. On top of the cost of the phone itself, customers also have to pay for cell phone service and the ability to call, text, and use data.

Cheap cell phone plans aim to undercut behemoth competitors like Verizon and T-Mobile by offering the same service at a lower cost. Many also offer the ability to customize and fine-tune plans according to your particular needs.

Whether you need to start paying your own phone bill for the first time or you’re contemplating switching from a pricier plan, these cheap phone plans could end up saving you a good chunk of change each month.

Who should use a cheap cell phone plan?

People who want to save money

The main draw of cheap cell phone plans is that they save you money without sacrificing quality. These plans are able to provide the same overall level of service for a fraction of the cost.

People who want a simple plan

Don’t need all the bells and whistles of a fancy cell phone plan? Many of these providers offer bare-bones cell phone plans at bottom-of-the-barrel prices.

Who shouldn’t use a cheap cell phone plan?

Those locked into a contract

If you’re already locked into a contract with another provider, it could be costly to switch. If you’ve bought a phone from another provider, you may not be able to use that phone with a different carrier.

Those who are happy with a traditional cell phone plan

If you’re happy with your current coverage, there’s no need to switch. That said, you’ll likely be able to find a better deal with a cheap cell phone plan.

Most important features of cheap cell phone plans

While cheap cell phone plans share many similarities, they’re not all created equal. Which one is the right fit for you depends on what features matter most to you.

Cell phone coverage

Cell phone coverage is one of the most important features when it comes to any cell phone. Good coverage allows you to easily make calls and texts without any delay or lag time.

Unlimited data options

Once an optional extra in many cell phone plans, unlimited data is now one of the most sought-after features. Just keep in mind that providers will typically drop your data speed after a certain threshold, meaning that power users may face low speeds toward the end of the month.

Flexibility

Gone are the days where customers are locked into two-year contracts with big-name providers. Cheap cell phone plans usually don’t require a commitment longer than a month, and you’re free to upgrade, downgrade, or cancel your plan at any time.

Price

You don’t need to pay an arm and a leg just for decent cell coverage and high-speed data. Cheap cell phone plans can often provide the same basic services as a big provider with a much lower price tag.

Source: moneyunder30.com