Ungardening: The Latest Trend in the Gardening World

 
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It’s fairly common to find invasive species and non-native plants in garden centers, and while they might look pretty—bittersweet gets festive red berries with orange shells in the fall—these plants aren’t great for our local ecosystems.

That’s where “ungardening” comes in. We spoke to an ecologist about how this new gardening movement can help reverse ecological decline and build habitats for local wildlife, and it turns out that it’s perfect for anyone with a laissez faire gardening style (like me!).

What Is Ungardening, Exactly?

The concept of ungardening, sometimes also called “rewilding,” encourages you to let go of your perfectly manicured flower beds and lawn, and instead, embrace native species and let things get a little wild.

“Ungardening is the concept of using the ideas and techniques of natural land management and restoration in our own yards, instead of the conventional landscape methods,” explains Aubree Keurajian, an ecologist and the owner of Ungardening Native Plants in Connecticut. “This includes planting native species, removing invasive species, and stopping the use of pesticides, but it goes further, bringing the focus to creating habitat not just for pollinators, but for lots of beneficial organisms.”

So instead of using a non-native grass for your lawn (we’re looking at you, Bermudagrass!), which will likely require weed killers and lots of water, ungardening would encourage you to let a native grass variety, clover, or another native ground cover take over. Or, instead of altering your soil to grow specific varieties of flowers, choose native blooms that will thrive without any amendments or pesticides.

The end result is a more eco-friendly habitat that’s every bit as beautiful: “When done properly, gardening can help to reverse ecological decline and create a welcoming enviornment for pollinators and wildlife,” says Keurajian. “If you find joy in any part of nature, be it plants, insects, mushrooms, birds, or anything else, ungardening an area will undoubtedly bring more of it into your life.”

Not sure you’re ready to hand your whole property over to Mother Nature? Start small! “It doesn't have to be an all or nothing process,” Keurajian says. “You can start ungardening just a small portion of your property while maintaining more conventional flower and veggie gardens and even lawn area.”

Wait, So What Are These Invasive Species?

One of the key steps of ungardening is kicking invasive species to the curb—but what does that term mean, exactly? An invasive species is any plant (or animal, or insect) that’s introduced to a non-native area—a.k.a. somewhere it wouldn’t be on its own. When left unchecked, invasive species often become overpopulated, and they can negatively alter the new environment, such as the way bittersweet, a plant native to China, causes strife in North America.

“Many plant species that are invasive now were introduced intentionally for the garden industry, many horticulturally, but some culinarily and agriculturally, as well,” says Keurajian. “Three of the most common ornamental species that are actually invasive are burning bush, privet, and barberry, but there are dozens of others.” She notes that what’s considered invasive will largely depend on where you live.

Here’s How To Get Started Ungardening

Personally, I have a laidback gardening style and tend to let my gardens do what they want, so ungardening sounds right up my alley. If you want to try it out yourself, Keurajian breaks down the key steps of ungardening as follows:

  • Remove any invasive species

  • Stop the use of synthetic pesticides, herbicides, and nutrient amendments

  • Allow native species that grow on their own to remain

  • Create insect habitat by leaving areas of open soil, dead wood, leaves, and stems

  • Allow for the natural pace and fluctuations of natural restoration processes.

It may seem a little overwhelming, but you don’t have to do it all at once. “The first place to start is with removing invasive species and stopping the use of broadcast pesticides and herbicides,” she recommends. “Use local resources to determine what species are invasive in your area. There are plenty of introduced species that play fairly well with others, and there's no need to bite off more than you can chew. ”

“Next, designate an area that you want to ungarden, and just let things grow! Manage invasive species and trim the edges to keep up appearances if you want, but otherwise let the plants and critters do what they want and just observe.” As new greenery springs up your ungarden, Keurajian recommends using the Seek by iNaturalist app to help with plant identification.

When you embrace this more natural way of landscaping, you’ll likely find that Mother Nature is a wonderful gardener, and local birds, insects, and other critters are sure to appreciate your efforts, too.

Read more about ungardening.

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Best Photo Locations in Colorado Springs

 
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Whether you’re looking for the perfect family photoshoot or a cute picture for the gram, these Colorado Springs locations won’t disappoint.

1) FOX RUN REGIONAL PARK

Fox Run Regional Park is a gem of a photo spot with lakes, trees, trails, playgrounds and big open grassy spots.

2) DOWNTOWN COLORADO SPRINGS

Looking for a city vibe? Try Downtown Colorado Springs with its murals, sculptures and more. It's a state-certified creative district.

3) PAINT MINES INTERPRETIVE PARK

If you don't mind driving a bit further, hit Paint Mines Interpretive Park near Calhan. Gorgeous rock formations in every color. 

4) OLD COLORADO CITY

Vibrant colors, brick walls and alleys, oh my! If this is what you're seeking, Old Colorado City is your spot. 

5) GARDEN OF THE GODS VISITOR CENTER

Garden of the Gods. Need we say more? It's one of Colorado's top tourist attractions for good reason. Plenty of photo ops here. 

 
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Find more Colorado Sorings adventures on City Lifestyle.

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Maximize passive income with 3 easy real estate investment strategies

 
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Real-estate investors have one thing in common: they want to generate income.

And for many, the more passively they can generate that income, the better.

Creating a stream of passive-income (which requires minimal effort for an investor to actively maintain) is a widely held goal by those who seek to keep money coming in after their initial investment.

Collecting rent is the classic example, but there are options besides landlording, like REIT and tax lien investing, which investors can use to start generating profits. The point is to generate streams of income that don't require extensive effort from the investor themself. 

In the US, real-estate ownership has long represented financial freedom and the opportunity to build generational wealth — in a Gallup survey published in 2019, 35% of 1,012 US adults polled said real estate was the best way to build wealth. 

Compared with other asset classes, real estate can have the strongest long-term growth potential. Expected annual total returns on apartment investments have fluctuated between 6 and 15% since 2012, according to the National Council of Real Estate Investment Fiduciaries, while over the same period, the S&P 500 had an annualized return of about 10%. In 2019, one-year returns on REITs were 20%, outperforming all other asset classes, per data from National Association of Real Estate Investment Trusts.

With that in mind, Insider outlined a handful of investment strategies that make it easy for beginners to get started investing in real estate, according to real-estate pros and "clever investor" Cody Sperber, who started investing in real estate with no money to his name and has now done hundreds of millions in deals.

Investors can generate passive income in a variety of ways, depending on just how involved they want to be in the process and how much time and capital they have to invest. 

Tax lien investing

When you purchase a home, you're required to pay property taxes. And if a property owner defaults on those taxes, Sperber said, the city government can make a legal claim — or "lien" — against the property for the amount owed.

That's where a tax lien investor can step in.

For the city to recover the money the property owner hasn't paid, the city sells tax lien certificates to investors. The delinquent homeowners then have a period of time — usually 120 days — to pay the investor the tax, penalties, and interest owed, Sperber said. If they fail to pay off the delinquent amount, the investor can foreclose on the lien and take possession of the property. 

That said, tax lien investing most often occurs on single family homes, Sperber said, and works best in smaller markets, often returning an interest rate between 4% and 6%.

It's a strategy Sperber said is a good way for beginner investors to start out if they don't have deep pockets, too. 

The 'subject to'

"Subject-to" investing is purchasing a property subject to the existing mortgage that is already in place.

Essentially, this is when an investor comes in and makes back payments for a homeowner who is behind on their payments, as opposed to the home falling into foreclosure. The original owner then deeds the property to the investor and moves out — often to downsize into a more affordable living space — while leaving the loan in place and the property under the investor's ownership.

It's an investing strategy ideal for investors low on capital, Sperber said, adding that buyers in this situation aren't formally assuming the loan. The terms of the original note stay the same, including the name in which the loan was purchased. And the buyer takes on the responsibility of making sure the mortgage is paid on time until it's renovate and resell the property.

An average return for a "subject-to" investment is hard to give, according to Sperber, who said profits could differ greatly depending on expenses at hand. 

REITs

Real Estate Investment Trusts, or REITs, are companies that own, operate, or finance income-producing real estate ventures. And investing in them can be a good way for rookie investors to create passive income from real estate.

Publicly traded REITs offer investors a liquid way to invest in real estate without having to buy or manage property themselves, Insider previously reported.

So instead of owning individual buildings, REITs allow investors to make investments in a mutual-fund-style model.

As of the first quarter of 2021, the average 25-year return for private commercial real estate properties held for investment purposes was 10.3%, outperforming the S&P 500 Index's 9.6%, according to the National Council of Real Estate Investment Fiduciaries (NCREIF). Residential real estate investments averaged a return of 10.3% as well, according to Investopedia.

Investors can find value if they know where to look for it. Jussi Askola, the president of the boutique investment-research firm Leonberg Capital, told Insider in November that the REITs with the most potential during the 2020 economic downturn included those within the apartment, mobile-home, and manufactured-home sectors. REITs with properties appropriate for industrial or e-commerce use could do well too, he said. 

Keep reading on Business Insider.

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5 Pieces of Retro Real Estate Advice That Don’t Hold Water Anymore

 
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Things like fashion trends and music genres tend to come back in style after a while, but the same doesn’t hold true for real estate advice.

And yet, retro advice is exactly what most people get when they (understandably) go to family and friends for tips about home buying and selling. 

No matter what stage you’re approaching in this fast-paced housing market, it’s important to know what tips will stand the test of time and which advice is so outdated that it’ll set you up for failure. Here are five pieces of retro real estate advice that could be costing you the sale or home of your dreams. 

The retro tip: A great open house will seal the deal.

The open house has long been known as the main driver of house sales. However, a hybrid of marketing efforts is what sells a house today. “Buyers prefer the opportunity to consider a home in comfort, which usually means without crowds of people,” says Collin Bray, vice president of sales for Century 21 Cityside. “They’d rather not see their competition.” Individual appointments and private video tours are part of the process these days.

The retro tip: Good copy is golden.

While it’s always a good idea to use catchy, descriptive words in ads to sell a house, a good video is really what garners the most interest. How you describe the property is important, yes, but that was more relevant when homes were only found when listed in the newspaper years ago, says Bray. Now, a virtual tour to help buyers experience a place is becoming a necessity. It’s one of the best ways to make a good first impression before they even step foot inside the home.

The retro tip: Sell the house as-is and attract people who truly love its character.

Years ago, it was common for sellers to not put as much effort into designing their home ahead of an open house. The assumption was that people will fall in love with the natural appeal (the bones!) of the house. Why spend time zhuzhing up a room if that time could be spent at the negotiating table?

According to Bray, real estate agents now say it’s imperative to make a home look its best through staging. Decluttering, decorating, landscaping updates, and small renovation projects are now baseline considerations for attracting buyers. 

The retro tip: You need to have 20 percent down to buy a home.

“This advice was true for our parents and parents’ parents, but now 20 percent down isn’t necessary,” Bray explains. Plus, it’s really hard to save that much.” (No kidding.) Buyers can now find reasonable financing options for down payments of 3.5 percent, 5 percent, 10 percent, and 15 percent. There are more mortgage options available, too.

The retro tip: Only call the listing agent about a home that catches your interest.

In the past, it was common for only one agent to facilitate an entire transaction, meaning if you were buying a house, you’d typically work with the sole agent who represented the seller. Rather than having your own real estate agent scout homes with you, you’d simply call the listing agent on a property you liked.

“There was no agent cooperation back then,” Bray says. “Now, even if another office and agent represents a house, you would call your agent who has your best interest in mind [to reach out to them].”

Read more like this on Apartment Therapy.

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Which internet speed test should you use to test your connection at home?

 
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Curious to see what your actual internet speeds look like? An internet speed test is just what you need -- here are the ones we recommend.

You may think that the speed of the connection promised in your home internet package is what you're consistently getting -- but that's not always true. Speeds can slow down during times of peak usage and typically fluctuate throughout the day. They can also come crashing down if your provider enforces data caps or throttles connections to maintain overall network performance.

Fortunately, there's an easy way to keep an eye on your home's internet speeds and that's with an internet speed test. You've got lots of free options online to choose from and might even be able to run one from the same app that you used to set up your router. In most cases, running a test is as easy as pressing "Go."

A good speed test will make it easy to see the current download speeds, upload speeds and latency (or ping) for whatever device you're running the test on -- but with so many options promising to do exactly that, which one should you trust? 

Glad you asked -- here are the ones we turn to first and why:

Ookla

An all-around excellent speed test

One of our favorites is the Ookla speed test, which has a strong reputation for consistency and for being one of the first speed tests on the web. Popularity aside, we like Ookla for having everything a basic user needs from a speed test: accuracy, the ability to view your speed test history (when you create an account), a wide array of servers to connect to, and even a handy app for speed testing from your Android or iOS device. 

Ookla's also done a good job of keeping up with the times by adding new features and capabilities over the years. Just recently, the service released a video-specific speed test that measures your network's ability to handle 4K video streams. It also has apps that you can run on Windows, and on an Apple TV.

All of that said, Ookla does display banner ads while you run basic speed tests. That's not surprising, but it might make a slight impact on your results depending on the strength of your connection at the time of the test.

Fast.com

Great for streamers

Fast.com is another great broadband test, and the interface is about as simple and straightforward as it gets. However, one of its biggest advantages is that it's owned by Netflix. That might seem odd at first, but it's actually what makes it a great pick for online streamers, because the test is structured around checking to see if your connection is strong enough to stream Netflix in maximum resolution without buffering.

While Fast.com is a great tool for some, it won't be the most helpful test for all users. The basic interface is easy to use, yes, but it also lacks some of the advanced settings and metrics you'll find with other speed tests. Most notably, you can't specify which server you'd like to connect with for your test.

M-Lab Internet Speed Test

As easy as speed tests get

None of these speed tests are difficult to use, but the M-Lab Internet Speed Test is probably the easiest one to find. Short for Measurement Lab, the open-source M-Lab test was developed by a collection of computer scientists and academic researchers with Google's backing -- and it's the test that pops up whenever you type "internet speed test" into the Google search bar. Just click the blue "RUN SPEED TEST" button to see your download speed, upload speed and latency within a matter of seconds.

That's about as simple as it gets, because you won't need to bookmark it or remember exactly what it's called. There are no ads while you run the test, and the only data that gets shared with M-Lab is your IP address. Just know that the M-Lab test doesn't let you pick which server you'll use during the test, and it's only designed for internet speeds of up to 700 Mbps. If you're trying to speed test a gigabit connection, you'll want to turn elsewhere.

Speedof.me

A solid test for consistency

If you're looking for a test that offers a look not just at speeds, but at consistency, Speedof.me is the way to go. Similar to Ookla, the test interface does a great job of showing fluctuations in your upload and download speeds. Over time, that can make it easier to spot when something is amiss with your connection, especially since Speedof.me lets you compare your results with previous tests. Its mobile-friendly website is great for running tests on your phone, too, allowing you to do a quick speed test on the go without downloading an app. 

Speedof.me isn't a perfect option, though. For starters, there's no option for manually selecting which server you connect with. And if home networking isn't your forte, the visualized data might seem more confusing or overwhelming than something like Fast.com, which just gives you a number.

Testmy.net

A good pick for testing your browser

Testmy.net is an internet speed test that runs entirely on HTML5 and PHP. What that means is that it doesn't require third-party software like Java or Flash to run your test, which can make for more accurate results. That also makes it a useful tool for comparing performance between different browsers. You can also create an account to track your internet speed for future reference or comparison. 

It's not the most user-friendly tool, however. With a good deal of in-depth data, you'll have quite a bit of information to look through, much of which might not be relevant to you. The design is also a little ugly by speed test standards, and it takes a few clicks before you actually begin a test, which obviously isn't as streamlined as other speed tests that feature big "Go" buttons as soon as you load the page.

Get more tips like this on CNET.

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