Artist of the Moment: Victor M. Rivera – A Journey of Art, Music, and Inspiration
Today, we shine the spotlight on an exceptional artist who has been making waves in the creative world. Victor M. Rivera 3rd, commonly known as VMR3., is a talented artist hailing from the East Coast but now thriving in the vibrant artistic community of Los Angeles, CA. In this exclusive interview with Phiaton, Victor opens up about his artistic journey, the sources of his inspiration, and how he connects his passion for art with music and audio quality.
A Blossoming Beginning: The Early Years of VMR3. Born in Lancaster, Pennsylvania, in 1993, Victor’s artistic flair was evident from an early age. Being the eldest of five siblings and raised by Puerto Rican parents, his cultural background played a significant role in shaping his identity as an artist. Graduating with a major in graphic design from the Art Institute of York in 2015, Victor embarked on a path that allowed him to combine his creative talents with modern visual arts.
A Life Steered by Art: VMR3.’s Original Plan Unlike some who stumble upon their passion later in life, Victor’s love for art was ingrained in him since his early years. He reminisces about creating drawings for friends as a kid, sketching beloved cartoon characters like the Simpsons, Tom and Jerry, and more. The appreciation he received for his artwork fueled his determination to make art his life’s purpose. Indeed, art was always the original plan for VMR3.
Inspiration: A Kaleidoscope of Experiences For Victor, inspiration knows no boundaries. It permeates from every aspect of his life, from family and everyday encounters to the rollercoaster of emotions that accompany life events. His art serves as an outlet for self-expression and a form of therapy to cope with past traumas. Through his artwork, Victor shares his unique perspective of the world, encapsulating his experiences and interactions within it.
Art as a Voice: Expressing without Words To VMR3., art is not just a medium of self-expression but also a powerful voice. It allows him to communicate his thoughts and emotions without the need for verbal communication. Through his creations, he aspires to inspire and motivate others. Even if not everyone fully comprehends his art, the fact that he can convey his message through visuals is a blessing in itself.
Family Roots: A Nurturing Influence VMR3.’s biggest influence stems from his close-knit family, who have always been his pillars of support. Growing up surrounded by artists, including a DJ father and a graffiti artist uncle, he was deeply immersed in a creative atmosphere. Their unwavering support and artistic endeavors instilled in him the determination to pursue his dreams and carve his unique path as an artist.
The Synchronization of Music and Art It’s no secret that music and art have a harmonious relationship. VMR3. finds that listening to music while creating art enhances his creative flow. Whether it’s the rhythm, lyrics, or the emotions conveyed through melodies, music acts as a backdrop to his artistic process. Recently, he has been exploring audiobooks, finding new inspiration in storytelling through this medium.
Audio Quality: A Necessity for Creatives For an artist who values the connection between music and art, audio quality plays a crucial role. VMR3. believes that good headphones are an essential investment, as they enrich the audio experience and provide the perfect atmosphere for creative endeavors.
The Legacy of Phiaton: 900 Legacy Headphones When asked about his experience with Phiaton’s 900 Legacy headphones, VMR3. was genuinely impressed. The noise cancellation capability amazed him, ensuring an immersive creative environment. The comfort provided by the headphones allowed him to wear them for hours on end without any discomfort. Moreover, their durability surpassed his expectations, outperforming other headphones he had used in the past.
A Heartfelt Recommendation Based on his experience, VMR3. wholeheartedly recommends the 900 Legacy headphones from Phiaton to fellow artists and music enthusiasts alike. With a sleek design and superior comfort, these headphones provide a high-quality audio experience, rivaling high-end options in the market.
The Road Ahead: Embracing Creativity and Inspiring Others As Victor M. Rivera 3rd continues his artistic journey, he has exciting projects in the pipeline, including murals and design ventures. Moreover, he has found fulfillment in sharing his passion by conducting art classes, witnessing firsthand how creativity can positively impact others’ lives. VMR3. aims to inspire and connect with people through his art, using his unique perspective to leave an indelible mark on the world.
Victor M. Rivera 3rd’s art is not just a feast for the eyes; it’s an embodiment of his life, experiences, and emotions. As an artist of the moment, VMR3. stands at the precipice of greatness, driven by his love for creativity, music, and the desire to inspire. His fusion of art and audio quality exemplifies the beauty of synchronicity between different art forms, enriching the creative process and elevating his artistic endeavors to new heights. Let us join hands in celebrating the vision and passion of this extraordinary artist, Victor M. Rivera 3rd, and eagerly anticipate the captivating masterpieces that lie ahead.
Ukrainian and Russian forces have dug sprawling trenches along the front lines of the war.
The trenches echo scenes from bloody combat of World War 1 and World War 2.
Take a look at photos comparing trench warfare in Ukraine today and the historic World Wars.
Thanks for signing up!
Access your favorite topics in a personalized feed while you’re on the go.
As Ukraine’s troops go head-to-head with the Russian army, they face plenty of modern weapons, such as drones that can drop bombs on soldiers, Ka-52 attack helicopters armed to the teeth with anti-tank guided missiles, and precision munitions that can hit with accuracy not seen in past conflicts.
Both sides are also navigating threats and challenges that have long been a part of land warfare, like overwhelming artillery and minefields full of anti-tank and anti-personnel mines, threats hidden in the mud that erupt with a violent explosion when triggered and make any sort of advance tricky and time-consuming.
There are also sprawling trenches. They run deep along the front lines and have been seen in photos from the war, such as around Bakhmut, which saw some of the bloodiest fighting of the war. The trenches are, as a French photographer described them years earlier, “endless bowels of Earth.”
These winding trenches hinder advances by enemy troops and protect defenders, zig-zagging and crossing the battlefield, and in some respects, they’re strikingly reminiscent of scenes of trench warfare from World War I and World War II, showing the enduring presence of this type of fighting.
The following photos show the front-line trenches in Ukraine today, where the most devastating land war in decades is being fought, and those of two of the 20th century’s worst conflicts.
Packing for a trip and not sure what to stuff into your suitcase and what to leave behind? Between wardrobe, footwear, snacks and phone chargers, there’s a lot to make room for. Skin care should be on that list too, but there’s no need to bring your 10-step routine to the beach (or your campsite). Read on for some tips about what to include, how to pack and what to leave at home.
First things first: There are some skin care items that belong in your “go bag” no matter what the destination. SPF is the number one don’t-leave-home-without-it product. Whether you’re relaxing with a cocktail on a lounge chair, hiking up a mountain or pounding the pavement in a new city, there is always a need for sun protection – yes, even on cloudy days. We recommend an SPF of 30 or higher – and a moisturizing option like the Lilikoi Daily Defense Moisturizer SPF 40 does double duty without taking up extra space in your makeup case. Plus it’s a perfect travel size at 2 oz (60ml) and will get through airport security with zero issues.
While we’re on the topic of SPF, it’s important that you don’t forget about your lips. That skin is sensitive and can always use a little protection. The Rosehip & Lemongrass Lip Balm SPF 15 will hydrate and leave lips looking plump.
Another travel necessity is a great facial cleanser. It’s important to spend a couple of minutes before bed making sure you’ve removed all of that SPF you’ve been reapplying all day (right?), plus any of the environmental stressors (sand, dust, campfire smoke) that you’ve been exposed to on your adventures. Something like the Mangosteen Daily Resurfacing Cleanser will remove surface buildup from the day, leaving skin looking clear, smooth and radiant. If you’re looking to travel light and need a smaller option, the Lemon Grass Cleanser gently removes impurities from the skin, works for all skin types and comes in a carry-on-friendly 1.7 oz (50 ml) size.
Beach Vacation
Time at the beach means you’ll probably be showing off a bit more skin than usual – so let’s make it glow. A great pre-beach ritual is exfoliating your body. This will help remove any dry or flaky skin that might be stuck on the surface, making shaving or waxing easier and freeing any ingrown hairs that might be hiding under those dead skin cells. Plus, if you’re a self-tanner, you’ll get the best results applying the product to fresh, exfoliated skin without any dry patches to suck up extra color. Really lean into that beach life with our Coconut Sugar Scrub. The natural sugar cane crystals and hydrating coconut oil will remind you of a pina colada. Pro Tip: Rather than packing your body scrub, use it in the days leading up to your trip to help you get ready. Lots of the leg work when it comes to a beach vacay happens before you get there!
When sunshine is on the agenda, the dynamic duo of Vitamin C and SPF help you juice up your routine and get you ready to glow from head to toe. The potent power of Vitamin C delivers antioxidants to help brighten the skin and improve the look of fine lines and wrinkles. Pack the Citrus & Kale Potent C+E Serum in its small-but-mighty 1 oz (30ml) bottle, and follow it up with a nice layer of SPF like the aforementioned Lilikoi Daily Defense Moisturizer SPF 40 or the Bright Skin Moisturizer SPF 40. And for your body, the Lilikoi Mineral Defense Sport Sunscreen SPF 30 comes in a tube that is easy to throw in your beach bag — and can be used on your face as well.
Product Picks
Vitamin C serum for all skin types
All-in-one mineral SPF moisturizer
Weekend Getaway
Packing for a weekend getaway is an exercise in restraint. As much as you want to pack every last serum and lotion (just in case), it doesn’t make sense to bring your entire skin care collection. Less is more when it comes to a quick trip. So let’s focus on the important stuff.
Once you’ve packed your essentials, think about adding a couple of products to enhance your routine. The Pineapple Refining Tonique does double duty – it will exfoliate and make skin feel smooth, refreshed and clean. And a nice lightweight moisturizer, like the Mangosteen Gel Moisturizer, is full of antioxidants and minimizes the look of environmental stress and refines and improves the look of pores.
And remember, a couple of days’ worth of product is all you need. If you have samples, now is a great time to try them out (assuming you know they’re not going to cause you any sensitivity or breakouts). Pro Tip: Ask for samples when you’re at the spa and not only will you be packing light, you’ll also be using your vacation time to explore products that could become your new favorites.
Adventure Travel
When you’re heading into nature on a camping or hiking trip, you don’t want to be weighed down by products you don’t need. That backpack only has so much space, and this is the time to be super selective about what is worth the extra weight. Think about small products or travel size skin care that can easily be tossed into your pack and be realistic about what you really need when it’s just you and nature.
Make sure your essentials make it – the only thing worse than a sunburn is sleeping in a tent with a sunburn. And the only thing worse than going to bed without washing your face is going to bed after a day in the wild without washing your face. So SPF and cleanser are one and two on your list. For all-over body protection, we recommend our Lilikoi Mineral Defense Sport Sunscreen SPF 30. This SPF is ideal for outdoor activities like swimming and high-performance sports because this non-greasy formula is water-resistant up to 40 minutes.
If there’s room for more, a lip balm and a Vitamin C serum are always a good idea, even in the wilderness.
Airplane Travel
Road trips are one thing but if your adventure is more Planes, Trains and Automobiles than Thelma & Louise (minus that cliff scene at the end, obviously) – prepping for the travel part of the trip is important.
You’ve packed your SPF for the beach, but did you know that you should also be wearing it en route to your final destination? Since plane windows are made of plastic and glass, harmful UVA rays can penetrate — and those dangerous rays are even stronger at 30,000 feet.
The air on an airplane is less humid than we’re used to, causing the skin on your face and body to feel super dry. Drink lots of water and moisturize your skin deeply. Apply a mask like the Strawberry Rhubarb Masque the night before your flight and slather on a nice layer of Facial Recovery Oil. Bonus points if you can fly without makeup and let that moisture sink in.
If you’re going further afield and on that plane for the long haul, don’t be afraid to pack a few essentials and do a mini “get ready with me” at your seat. A layer of serum and and overnight treatment like the Monoi Age Corrective Night Cream for Face & Neck will moisturize while softening the appearance of the skin on your neck and face thanks to argan oil, evening primrose oil, shea butter and jojoba oil. Defend your hands against dryness with the Mangosteen Replenishing Hand Cream. If it’s been a while and revenge travel is in your future, refresh your memory with these 5 Travel Beauty Tips for air travel.
Product Picks
Hydrating and replenishing mask
Luxurious facial oil – All skin…
Watch Lead Skin Care Trainer Natalie Pergar talk about her top travel essentials:
Other Travel Tips
Size Matters: While it works in a pinch, who wants to squeeze their regular-sized toiletries into mini bottles? Especially when you can pack an Eminencestarter set? Just throw in one of these sleek travel bags pre-filled with cute little minis of your favorite skin products and you are good to go. Lucy, a customer who travels for work left us this website review: “I got the starter pack so that I could try ALL of the Age Corrective products and they are also travel size, which I need – my business keeps me on the road a lot and I need small sizes – these came in a cute little bag. I am also vegan and I love that these products are too!!”
Packing Hack: One of our favorite travel tips and tricks is to use the empty space inside your packed shoes. Stuff a couple of pairs of rolled up socks or perhaps a tube of shampoo – any small-sized items can be slipped into your shoes to maximize your total packing space.
Pack Light But Cover Up: Pool time aside, covering up in light clothing (linens and cotton) is a great way to add some extra protection when you’re out in the elements. Long sleeves and light, long pants may seem like too much on a hot day, but it’s nice to have the option to add layers if needed – especially when the sun goes down.
Bonus Tip: Wrap your shoes into an old hotel shower cap first to keep the inside of your luggage clean.
Are you getting ready for a trip? Visit your nearest Eminence Organics Spa Partner to get yourself prepped for the adventure.
A world of color is out there for the taking. Are you willing to reach out for it? Often, homeowners find themselves avoiding the more daring options because they focus too much on resale instead the right mindset: recreating their space the way they want.
Our experts answer readers’ personal loan questions and write unbiased product reviews (here’s how we assess personal loans). In some cases, we receive a commission from our partners; however, our opinions are our own.
An online loan works like this: You apply to borrow a certain amount of money. The lender will show which offers you qualify for based on factors such as your credit score, debt-to-income ratio, and ability to repay the loan. The best personal loans will offer a variety of term lengths and low interest rates.
Best Online Personal Loans
LightStream Personal Loan: Best for large loan amounts
SoFi Personal Loan: Best for good credit
Avant Personal Loan: Best for lower credit scores
Happy Money Personal Loan: Best for credit card consolidation
Upstart Personal Loan: Best for small loan amounts
Some lenders have minimum credit score requirements that might make you ineligible for one of their loans. Others may allow you to get a loan with a poor credit score, but could saddle you with high interest rates as a result. If you’re going to borrow money with an online loan, make sure you understand how much it will cost you each month, and that you have a plan to pay it back.
Be sure you’ve exhausted other options before you apply for a loan online, such as borrowing money from friends or family, taking out a home equity loan, or in some cases, using a credit card. These options may offer better interest rates than an online loan.
If you want to turn to an online loan provider, here are a few of the best places to start your search.
Compare the Best Online Personal Loans
LightStream Personal Loan
4.75/5
LightStream Personal Loan
4.75/5
Regular Annual Percentage Rate (APR)
7.99% to 25.49% (with AutoPay discount, rates vary by loan purpose)
Loan Amount Range
$5,000 to $100,000
Get matched with personal loan offers
LightStream Personal Loan
Get matched with personal loan offers
LightStream offers some of the lowest rates on personal loans out there, provided you have a great credit score. The lender also has loans of up to $100,000 and can supply you with funding on the same day you apply and are approved.
Details
Regular Annual Percentage Rate (APR)
7.99% to 25.49% (with AutoPay discount, rates vary by loan purpose)
Loan Amount Range
$5,000 to $100,000
Pros & Cons
Competitive APR
Approval decisions should come shortly after applying
Loans can be funded the same day
Wide range of borrowing amounts and terms
No fees
Only available to people with good credit
No pre-approval option
Highlights
Loan amounts range from $5,000 to $100,000
Loan term lengths range from 2 to 12 years
Apply online and you’ll receive a response shortly during business hours.
Receive your funds as soon as the same day
Loans are made by Truist Bank, member FDIC
Additional Reading
Read our review
SoFi Personal Loan
4/5
SoFi Personal Loan
4/5
Regular Annual Percentage Rate (APR)
8.99% to 25.81% (with all discounts)
Loan Amount Range
$5,000 to $100,000
Get matched with personal loan offers
SoFi Personal Loan
Get matched with personal loan offers
SoFi is a strong personal loan lender for those with high credit scores — you’ll get perks like unemployment protection and no fees required. The best personal loan for you depends on your credit score, which will determine what you qualify for and can lower your rate.
Details
Regular Annual Percentage Rate (APR)
8.99% to 25.81% (with all discounts)
Fixed rates from 8.99% APR to 25.81% APR reflect the 0.25% autopay interest rate discount and a 0.25% direct deposit interest rate discount. SoFi rate ranges are current as of 05/19/23 and are subject to change without notice. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors.
Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%-6%, which will be deducted from any loan proceeds you receive.
Autopay: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi.
Direct Deposit Discount: To be eligible to potentially receive an additional (0.25%) interest rate reduction for setting up direct deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A. or eligible cash management account offered by SoFi Securities, LLC (“Direct Deposit Account”), you must have an open Direct Deposit Account within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled payroll direct deposits of at least $1,000/month to a Direct Deposit Account in accordance with SoFi’s reasonable procedures and requirements to be determined at SoFi’s sole discretion. This discount will be lost during periods in which SoFi determines you have turned off direct deposits to your Direct Deposit Account. You are not required to enroll in direct deposits to receive a Loan.
Show more
Loan Amount Range
$5,000 to $100,000
Pros & Cons
High maximum loan limit
Unemployment protection
No fees required
Competitive APR
High minimum credit score requirement
High minimum loan amount
No in-person support
Highlights
Loan amounts range from $5,000 to $100,000
Loan term lengths range from 2 to 7 years
Usually receive your money in a few business days after your application is approved
Unemployment protection if you lose your job during your loan repayment, allowing you to apply for a three-month forbearance, up to a total of 12 months
Loans are made by SoFi Lending Corp.
Additional Reading
Read our review
Avant Personal Loan
3.75/5
Avant Personal Loan
3.75/5
Regular Annual Percentage Rate (APR)
9.95% to 35.99%
Loan Amount Range
$2,000 to $35,000
Get matched with personal loan offers
Avant Personal Loan
Get matched with personal loan offers
Avant Personal Loan is a good personal loan provider, especially if you have a lower credit score and need to receive your loan money quickly. Just be prepared to pay a high APR if you do have a low score.
Details
Regular Annual Percentage Rate (APR)
9.95% to 35.99%
Loan Amount Range
$2,000 to $35,000
Pros & Cons
Funds generally deposited by the next business day
No prepayment penalty
Multiple types of fees
High maximum APR
Low maximum loan limit
Highlights
Loan amounts range from $2,000 to $35,000
Loan term lengths range between 2 to 5 years
Administration fee of up to 4.75%, which will be deducted from your loan proceeds when the loan is funded, and late fee that varies by state
Loans made by WebBank, member FDIC
Additional Reading
Read our review
Payoff Loan™
3.5/5
Payoff Loan™
3.5/5
Regular Annual Percentage Rate (APR)
11.52% – 24.81% APR
Loan Amount Range
$5,000 to $40,000
Get matched with personal loan offers
Payoff Loan™
Get matched with personal loan offers
A Happy Money Payoff Loan personal loan is a great option for those with good credit scores who are eligible for the lender’s lowest APR. However, borrowers can only use the funds to consolidate credit card debt.
Details
Regular Annual Percentage Rate (APR)
11.52% – 24.81% APR
Loan Amount Range
$5,000 to $40,000
Pros & Cons
Competitive interest rates
No prepayment or late fees
Low minimum credit score requirement
Origination fees
Slow access to funds
Limited loan purpose
Not available in all states
Highlights
Loan amounts range from $5,000 to $40,000
Loan term lengths range between 2 to 5 years
Origination fee anywhere between 0% and 5%
Won’t be able to get a loan from Happy Money if you live in Maine, Massachusetts, Nebraska, or Nevada
Can only use for credit card debt consolidation
Loans made by one of Payoff’s lending partners
Additional Reading
Read our review
Upstart Personal Loan
3.25/5
Upstart Personal Loan
3.25/5
Regular Annual Percentage Rate (APR)
4.60% to 35.99%
Loan Amount Range
$1,000 to $50,000 (borrowers in four states are subject to higher minimum loan amounts: Massachusetts: $7,000, Ohio: $6,000, New Mexico: $5,100, Georgia: $3,100)
Get matched with personal loan offers
Upstart Personal Loan
Get matched with personal loan offers
Upstart could be the right lender if you have a strong work and education history, but you have a low credit score or limited credit history. The best personal loan for you depends on your credit score, which will determine what you qualify for and can lower your rate.
Details
Regular Annual Percentage Rate (APR)
4.60% to 35.99%
Loan Amount Range
$1,000 to $50,000 (borrowers in four states are subject to higher minimum loan amounts: Massachusetts: $7,000, Ohio: $6,000, New Mexico: $5,100, Georgia: $3,100)
Pros & Cons
Small minimum loan amounts
No prepayment penalty
Quick loan fund disbursement
Only three and five year terms
Potential for high origination fees
Highlights
Loan amounts range from $1,000 to $50,000. However, borrowers in four states are subject to higher minimum loan amounts: Massachusetts: $7,000, Ohio: $6,000, New Mexico: $5,100, Georgia: $3,100
Loan term lengths are either 3 or 5 years
Can have origination fees up to 8%
Considers employment and education history when making loan approval decisions
Loans are made through one of several Upstart-powered bank partners
Additional Reading
Read our review
Online Loans Frequently Asked Questions
A payday loan is designed to bridge the gap between paydays, so term lengths are much shorter than personal loans you might get online. They also come with incredibly high APRs and have lower minimum borrowing amounts that generally start around $50, compared with about $1,000 for a personal loan.
This depends on how much you’d like to take out, what APR you receive from your lender, and how long it takes you to pay off the online loan. The higher the loan amount and APR, the more an online loan will cost you. With a longer term length, you will spread out your payments over an extended period so your monthly payments will be smaller, but you will pay more in the long run.
Depending on the lender, you can get your money for an online loan as soon as the same day. For instance, with a US Bank personal loan you could get funding in as little as a few hours if you’re already a US Bank customer. Usually, a lender will send the money fairly quickly after the application is approved, but there is often no guarantee on the speed of the process. See our guide to the best quick personal loans if this is a top consideration for you.
It’s as safe to take out a loan from a reputable online lender as it is from a bank or credit union. Online lenders are must meet the same lending rules as their brick-and-mortar counterparts and are equally trustworthy. Make sure you’re on the lookout to avoid personal loan scams.
The best personal loans online are from lenders with low interest rates, low or no fees, and a wide range of borrowing amounts and term lengths. These include LightStream, SoFi, Avant, Happy Money, and Upstart.
Best Online Personal Loan Company Reviews
LightStream Personal Loan
LightStream’s online loans are best for those with good credit. While you can qualify for a loan with a minimum score of 660, you won’t be able to take advantage of LightStream’s lower rates without a score of around 800. The lender also has slightly more stringent eligibility requirements than some of our other top picks, including several years of credit history, stable income, and few or no payment delinquencies on your credit report.
If you’re looking to borrow a large sum of money, LightStream’s maximum loan amount of $100,000 is significantly higher than most of the other lenders on our list. Its minimum APR is one of the lower on our list of top picks, reducing the overall cost of your loan.
SoFi has the highest minimum credit score requirement of any lender on our list. You’ll need at least a credit score of 680 to get one of its personal loans online. But if you do qualify, you may like the lender’s low rates, high range in loan amounts, and unique perks.
Even if your credit history isn’t immaculate and you aren’t eligible for SoFi’s lowest rate, the company’s maximum APR is the lowest on our list. SoFi offers a higher maximum online loan amount than most other lenders, allowing you to take out up to $100,000.
Additionally, the company has no origination fees required and has no late payment penalty, lowering the overall cost of your loan. If you lose your job through no fault of your own, SoFi also has an unemployment protection program. If approved for the program, SoFi will put your loans into forbearance, suspending your monthly payments. It’s worth noting that interest will continue to accrue on your loan when it is in forbearance.
Avant is one of the easier lenders to qualify for on our list. Its minimum credit is just a guideline, not a requirement, but most borrowers who get Avant’s personal loans online have a credit score between 600 and 700. However, you can likely get a lower rate elsewhere if you have a high credit score. The best 0% APR credit cards may also offer a lower APR, provided you’re eligible.
If you are looking for a smaller loan, Avant’s $2,000 minimum is lower than most comparable lenders. Avant funds online loans quickly — if the company approves your loan by 4:30 p.m. CT Monday through Friday, funds are often put into your account by the next business day.
Avant also has excellent customer service hours, with its phone line open at least 13 hours every day of the week. The lender also has a strong mobile app, which is something not all lenders offer.
Happy Money could be another good option for an online loan if you have a lower credit score, as its minimum requirement of 640 is relatively low. If you have a good credit score, the company also offers one of the lowest APRs of lenders on the list.
Happy Money’s Payoff online loans are specifically designed to help borrowers eliminate high-interest credit card debt. This means you are limited in what you can use your loan for — you should choose a different lender if you aren’t aiming to consolidate credit card debt.
The company doesn’t charge any prepayment fees or late fees, but may charge an origination fee between 0% to 5%. Happy Money also has one of the slowest money transfer times of any online loan company, as it takes between two to five business days to have money deposited in your account.
You may qualify for an online loan more easily with Upstart than with some of the other lenders on our list — the minimum credit requirement for Upstart is 600. As a result, if your credit score is low, you might end up paying a high APR and could potentially get a better deal elsewhere.
Upstart offers the smallest loan amount of all the lenders on our top picks, so if you just need a little cash to tide you over, this could be the lender for you. Additionally, the company usually funds loans within one business day, which is useful if you need your money fast.
OneMain Financial Personal Loan: OneMain is a solid option for borrowers with low credit scores, but you can only borrow up to $20,000. The company also doesn’t lend to residents of Alaska, Arkansas, Connecticut, Massachusetts, Rhode Island, or Vermont. Read Insider’s full review of OneMain Financial.
PenFed Credit Union Personal Loan: While PenFed offers relatively low rates and a range of loan terms, you’ll need to become a member to get your loan funded.
Rocket Loans Personal Loan: Rocket Loans offers same day funding for some loans. But borrowers can only choose from two repayment term lengths and you’re not able to take out a joint or co-signed loan.
Whether you’re interested in taking out a $5,000 loan or a $20,000 loan, finding the right lender can help improve your experience and increase the likelihood of success with your online personal loan application. We’ve only selected providers of online loans with no public controversies in the last three years. We’ve also compared each institution’s Better Business Bureau score.
The BBB, a non-profit organization focused on consumer protection and trust, measures businesses based on factors like their responsiveness to consumer complaints, truthfulness in advertising, and clarity about business practices. Here is each company’s score:
All of our top picks for online loans are rated A or higher by the BBB. Keep in mind that a high BBB score does not guarantee a positive relationship with a lender, and that you should continue to do research and talk to others who have used the company to get the most comprehensive information possible.
How to Choose the Best Online Loan
To find the best choice for your individual situation, take stock of the factors that are most important to you before you apply for a personal loan online. Many borrowers prioritize the lowest loan interest rate, but also consider any fees, the minimum credit score needed, and the accessibility of the lender’s customer service. You’ll also want to make sure you’re able to select a term length that works for you and that your loan’s purpose is allowed by the lender you choose.
Guides like this one will help you compare multiple lenders in the same place to weigh their pros and cons. Make sure to also read individual reviews of any lenders you’re considering.
How To Get an Online Loan With Bad Credit
Getting a loan with bad credit can be challenging. If you don’t qualify for a loan with your preferred lender or are receiving a higher APR than you can afford with another online loan company, here are some tips you may consider to improve your credit score and increase the chances that your online loan application will be approved:
Ask for and review a copy of your credit report. Look for any errors on your report that may be tanking your score. If so, reach out the credit bureau to talk about rectifying the mistake.
Maintain low credit card balances. Keeping a credit utilization rate — the percentage of your total credit you’re using — of 30% or less will prove to lenders that you can manage your credit appropriately.
Devise a system for paying bills on time.Your payment history makes up a significant percentage of your credit score, and lenders like to see consistent and reliable payments in the past. Set up calendar reminders or automatic payments so you don’t fall behind.
Why You Should Trust Us: Our Methodology
Personal Finance Insider’s mission is to assist smart people in making the best decisions possible with their money. With that in mind, we compared many different online loans, digging into the fine print so you don’t have to. We evaluated several factors to determine the best lenders, including:
Annual percentage rates: The lower the interest rate you have to pay on your online loan, the better. So we focused on lenders who have solid rates for people with fair or better credit histories.
Loan term length: We looked for online loans with a variety of repayment lengths.
Loan amount range: We know some people are looking for a small amount of cash, while others are looking to take out a substantial amount. We found lenders with a variety of minimum and maximum loan amounts to best fit your needs.
Minimum credit score: Depending on your credit score, you may be eligible to take out an online loan from some lenders and may not qualify with others. We picked lenders with a range of minimum credit scores so you have options no matter your credit history.
Trustworthiness: Borrowing from an honest lender is often a top priority for many people. We made sure each lender had an A or above grade from the Better Business Bureau to provide the most transparent lenders possible.
OneMain Financial Personal Loan disclosure: Not all applicants will be approved. Loan approval and actual loan terms depend on your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral) and your state of residence. If approved, not all applicants will qualify for larger loan amounts or most favorable loan terms. Larger loan amounts require a first lien on a motor vehicle no more than ten years old, that meets our value requirements, titled in your name with valid insurance. APRs are generally higher on loans not secured by a vehicle. Highly-qualified applicants may be offered higher loan amounts and/or lower APRs than those shown above. OneMain charges origination fees where allowed by law. Depending on the state where you open your loan, the origination fee may be either a flat amount or a percentage of your loan amount. Flat fee amounts vary by state, ranging from $25 to $500. Percentage-based fees vary by state ranging from 1% to 10% of your loan amount subject to certain state limits on the fee amount. Visit omf.com/loanfees for more information. Loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z such as college, university or vocational expense; for any business or commercial purpose; to purchase cryptocurrency assets, securities, derivatives or other speculative investments; or for gambling or illegal purposes. Borrowers in these states are subject to these minimum loan sizes: Alabama: $2,100. California: $3,000. Georgia: $3,100. North Dakota: $2,000. Ohio: $2,000. Virginia: $2,600. Borrowers in these states are subject to these maximum loan sizes: North Carolina: $9,000 for unsecured loans to all customers, $9,000 for secured loans to present customers. Maine: $7,000. Mississippi: $15,000. West Virginia: $14,000. Loans to purchase a motor vehicle or powersports equipment from select Maine, Mississippi, and North Carolina dealerships are not subject to these maximum loan sizes. Example Loan: A $6,000 loan with a 24.99% APR that is repayable in 60 monthly installments would have monthly payments of $176.07. Time to Fund Loans: Funding within one hour after closing through SpeedFunds must be disbursed to a bank-issued debit card. Disbursement by check or ACH may take up to 1-2 business days after loan closing.
Ryan Wangman is a reporter at Personal Finance Insider reporting on personal loans, student loans, student loan refinancing, debt consolidation, auto loans, RV loans, and boat loans. He is also a Certified Educator in Personal Finance (CEPF). In his past experience writing about personal finance, he has written about credit scores, financial literacy, and homeownership. He graduated from Northwestern University and has previously written for The Boston Globe. Learn more about how Personal Finance Insider chooses, rates, and covers financial products and services here >>
Elias Shaya is a junior compliance associate on the Personal Finance Insider team based in New York City. Personal Finance Insider is Insider’s personal finance section that incorporates affiliate and commerce partnerships into the news, insights, and advice about money that readers already know and love. The compliance team’s mission is to provide readers with stories that are fact-checked and current, so they can make informed financial decisions. The team also works to minimize risk for partners by making sure language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team. Elias is the point person for the loans sub-vertical and works with the editorial team to ensure that all rates and information for personal and student loans are up to date and accurate. He joined Insider in February 2022 as a fellow on the compliance team. Elias has a Bachelor of Science in International Business from the CUNY College of Staten Island. Prior to joining Insider, he volunteered at the New York Presbyterian Hospital, where he worked with the biomedical engineering department. In his spare time, Elias enjoys exploring new restaurants, traveling to visit his family in Lebanon, and spending time with friends.
Toronto studio Giannone Petricone Associates has spent a decade restoring a dilapidated hotel in Ontario, linking the building’s past and present through regionally influenced design details.
Located in Picton, a town in Prince Edward County (PEC) that lies close to the shores of Lake Ontario, The Royal Hotel was in bad shape when the Sorbara family purchased it in 2013.
The Royal Hotel’s interiors draw upon a mix Victorian and contemporary influences, as seen in the reception area. Photo by Graydon Herriott
The new owners hired Giannone Petricone Associates (GPA) to save what they could of the existing building, which was first completed in 1879, and transform it into contemporary lodgings.
“Its central staircase was lined with a lush carpet of green moss, and early in the planning phase, the roof caved in,” said the hotel team.
One of four hotel bars is lined with tambour panelling
“But the family vowed to restore the property and bring it back to life as a nexus for both locals and guests of PEC’s burgeoning food and wine region.”
The architects were able to salvage three of the original brick walls, and within them created a cafe, three bars, a fine-dining restaurant; and a spa, gym and sauna.
Playful design elements include ceiling rosettes that mimic water ripples
A landscaped terrace overlooks a fourth bar and a brick patio with lounge seating, while an outdoor swimming pool flanked by a row of cabana beds lies beyond.
A total of 33 guest rooms are available: 28 in the main three-storey hotel building, and a further five suites in a rebuilt stable named The Royal Annex.
Another cosy lounge area features dark tambour panels around its fireplace
For the interiors, GPA played on tropes of Victorian railway hotels, mixing formal elements of British tradition with PEC’s more laid-back rural sensibility.
“The Royal is designed to be a transporting experience while deeply rooted in the local context,” said GPA principal Pina Petricone. “The experience benefits from the charged contrast between ‘genteel’ and ‘real’ elements.”
In the lobby, the reception desk is wrapped in a floral pattern and a wooden shelving system forms a boutique displaying items for sale.
Tambour panelling lines the adjacent bar area, which flows into a lounge where softly undulated plasterwork frames a fireplace.
The hotel offers 33 guest rooms, which feature details like cross-stitched headboards
A variety of checkered and tartan patterns are found across hallway carpets, mosaic bathroom tiles and cross-stitched headboards. Ceiling rosettes throughout the spaces are designed to mimic mushrooms and water ripples.
“We wanted to have moments in the hotel that were a bit nonsensical,” Petricone said. “The Royal is about escapism, and our research into the hotel’s history demonstrated that it was always a pretty quirky place.”
A variety of checkered patterns are found throughout the hotel, including in the mosaic bathroom tiles
Other recently opened hotels in Canada include the Ace Toronto, which boasts a suspended lobby and rooftop bar.
Our experts answer readers’ student loan questions and write unbiased product reviews (here’s how we assess student loans). In some cases, we receive a commission from our partners; however, our opinions are our own.
Student loans can help bridge the gap between the total cost of going to college and the amount of financial aid your school offers. There are two main types of student loans: federal loans with benefits and fixed rates that apply to all borrowers, and private ones with rates and terms that vary.
You’re almost always better off going with federal student loans because you’re likely to get a lower interest rate, and they come with special benefits and protections. However, you can only refinance student loans through private lenders.
While rates have held in a relatively tight range in recent weeks, the cost of refinancing student loans has been rising over the past year as Federal Reserve policy makers increased the federal funds rate to try to slow inflation. Although not directly linked to student loans, higher Fed rates ultimately influence borrowing costs for everything from college to real estate, credit cards, and automobiles.
The current average interest rates on most refinanced student loans rose from two weeks ago, according to data compiled by Credible.
Private Student Loan Interest Rates
5-Year Fixed Student Loan Rates
This past week, five-year fixed refinance rates for undergraduate loans increased 13 basis points, while rates for graduate loans climbed 25 basis points from the prior week. Rates for both categories of loan are each up more than half a percentage point from six months ago.
10-Year Fixed Student Loan Rates
Ten-year fixed refinance rates for undergraduate loans increased 18 basis points. The rates for graduate loans declined 33 basis points. Interest rates for undergraduate loans are up 86 basis points from six months ago, while graduate loan rates have climbed more than one percentage point during the same period.
Private Student Loan Rates vs. Federal Student Loan Rates
Be sure to exhaust all of your federal student loan options before turning to a private lender. Federal student loans almost always have lower interest rates than private loans. Private loans require a credit check, and many students either have no credit history or a low credit score. That means they’re likely to be offered a higher interest rate than they’d pay for a federal student loan.
Congress sets the interest rates for federal student loans, which are the same for all borrowers. There is no credit check required, and you don’t have to show proof of income or have a co-signer. Federal student loans also have some benefits such as the ability to sign up for an income-driven repayment plan, deferment, forbearance, or forgiveness, none of which are typically available with private loans.
Federal student loan rates have also been rising. The cost of borrowing across all Department of Education loans is going up again for the 2023-2024 school year after some rates saw the biggest increases in decades during the prior period. While the rates private lenders charge aren’t tied to federal loan rates, they’re likely to also rise when federal loan rates do because they don’t have to stay as low to remain competitive.
Federal Student Loan Rates for 2023-2024 School Year
The cost of borrowing for college has increased along with interest rates on everything from credit cards, mortgages, and auto loans over the past year as the Federal Reserve has aggressively raised the federal funds rate. The higher base rates ultimately affect interest rates throughout the economy.
Whether or not you should refinance your student loan depends on your specific financial situation. You may want to consider alternatives such as a less expensive school, scholarships, or a side job to earn more money. Whatever your decision is, make sure you understand the terms of your new loan before making a choice.
Getting approved for a student loan without a co-signer usually includes factors outside of your credit score. Lenders may consider your grade point average, field of study, projected future earning potential, and more when making approval decisions.
Ryan Wangman is a reporter at Personal Finance Insider reporting on personal loans, student loans, student loan refinancing, debt consolidation, auto loans, RV loans, and boat loans. He is also a Certified Educator in Personal Finance (CEPF). In his past experience writing about personal finance, he has written about credit scores, financial literacy, and homeownership. He graduated from Northwestern University and has previously written for The Boston Globe. Learn more about how Personal Finance Insider chooses, rates, and covers financial products and services here >>
Do you experience dry, scaly skin that often becomes tight, flaky and itchy? Does it feel like no matter how much moisturizer you slather onto your face, you never seem to get relief? While it’s a common experience, this doesn’t make dry skin on the face any less uncomfortable or annoying. Luckily, there are plenty of ways to address the issue, and we’ve come up with a skin care routine for dry skin that will help clear away those flaky bits and replenish moisture so you can restore your radiant complexion and feel confident again.
Take a glance at the following symptoms to identify whether you have dry skin:
The skin on your face and body feels very tight after showering, swimming or cleansing
Generally, your skin has a rough texture
The skin around your lips or on your face is flaking
Fine lines or deep cracks are developing
You experience dryness that’s painful, itchy or scaly
Still unsure if you have dry skin? Watch this In The Mix video as Eminence Organics Lead Skin Care Trainer Natalie Pergar demonstrates three easy steps for categorizing your skin type.
How To Get Rid Of Dry Skin
Dry skin can be exacerbated by external factors like seasonal changes, environmental stress and even hormones. Read our complete guide to dry skin to identify whether you are dealing with it or if something else is at play – like dehydration or an adverse reaction to a food or beauty product. If dryness is indeed the culprit, here are some easy ways to keep dry skin soft and supple:
1. Moisturize
The first line of defense for dry skin is usually a moisturizer. Oil-based ointments, creams and lotions that are rich in essential fatty acids (EFAs) can compensate for dry skin’s lack of oil and lipids. They lubricate the skin’s surface as well as fortify the skin’s moisture barrier to replenish and seal in much-needed moisture. “When choosing moisturizer for dry skin, aim for a heavier formula and look for ingredients like hyaluronic acid … ” explains Dr. Hooman Khorasani, Dermatologic and Cosmetic Surgeon. “Other ingredients to look for include shea butter and lactic acid, which provide hydration and exfoliation.”
Pro Tip: Apply moisturizer while your skin is still slightly damp, either post-cleanse or after a spritz of a revitalizing or refreshing mist to lock in extra hydration.
2. Shower Or Bathe With Lukewarm Water
Extreme temperatures can aggravate an already dry complexion by stripping the skin of essential oils. Dr. Joshua Zeichner tells SELF: “The water in your shower should be the temperature of what you would imagine a heated pool to be – approximately 84 degrees F.” If hot showers are your love language, limit them to 10 minutes max to mitigate the damage.
3. Use Gentle Ingredients
Like extreme temperatures, harsh cosmetic ingredients can impact the skin’s moisture barrier, causing dryness and irritation. To protect your skin, avoid skin care products that include chemical ingredients like parabens, petrolatum, mineral oils, propylene glycol or sodium lauryl sulfate. All Eminence Organics products are free of these ingredients, so making the switch could make all the difference.
4. Protect Your Skin In Winter
Dry winter air also adds to skin dryness. There is less moisture around during winter months, which causes any in your skin to evaporate more quickly. Many of us are also guilty of cranking up the thermostat, which further strips moisture from the air and skin. To compensate, Harvard Health recommends using a humidifier and setting it to around 60%, which is sufficient to replenish any moisture lost in your skin’s top layer.
5. Adjust Your Diet
Attack the issue from the inside out. You can enhance your skin’s ability to retain moisture by adding healthy fats to your diet. Omega-3 and omega-6 oils support skin health by fighting inflammation and bolstering the skin’s moisture barrier. Foods rich in healthy fats include salmon, flaxseeds, walnuts, avocado and sunflower seeds.
Now that you know some tactics for treating your dry skin and helping prevent it, you can also consider a number of gentle products that can be useful for relieving dry skin on the face. One of the best ways to tackle it is by tailoring your skin care routine to include moisture-rich products that replenish and repair. We recommend the following routine to heal and soothe dry skin so that you can feel a little more balanced.
A 5-Step Routine To Help You Deal With Dry Skin On The face
If flaky skin is cramping your style, smooth things over day to night with these Eminence Organics solutions.
1. Cleanse
Lathering up with harsh soaps or strong fragrances can further irritate dry skin. There’s also a chance that the foaming cleanser you’re using is stripping your skin of its natural oils. Instead, use a rich balm or oil, or, if you need to see bubbles to feel clean, go for a gentle option like the Kombucha Microbiome Foaming Cleanser. As a first cleansing step, purify your dry skin with a gentle, oil-based cleanser. We recommend the Stone Crop Cleansing Oil which replenishes the complexion with moisturizing ingredients like sunflower oil and jojoba oil. Using this as the first step of a double cleanse is especially effective on days when you wear makeup.
In addition to adding moisture, you might also want to exfoliate and remove surface debris. The Monoi Age Corrective Exfoliating Cleanser is infused with exotic monoi and made with Eminence Organics’ unique Natural Retinol Alternative to help you achieve a smoother, more youthful-looking glow.
2. Exfoliate (Weekly To Start)
Our Product Support Team encourages exfoliating dry skin weekly to “take care of any flakiness.” For this type of complexion, a gentle exfoliant like Strawberry Rhubarb Dermafoliant is your best bet. Containing lactic acid, rice and chickpea flours, this physical and chemical exfoliant combo clears dead skin cells and smooths rough, dry skin. The presence of salicylic acid gently exfoliates and removes impurities to brighten things up and shrink the appearance of pores. If you’re seeing results and no irritation, bump it up to twice a week.
3. Tone
A toner is helpful to balance your skin’s moisture and pH levels after cleansing, and to remove any impurities that the cleansers may have missed. Think of toner as the “conditioner” to your cleanser. A product like our Stone Crop Hydrating Mist includes conditioning ingredients like stone crop, lavender and jasmine to restore moisture and nourish dry skin. Once you’ve cleansed your skin, apply one to two sprays onto the face and neck, or you can apply it with a cotton pad, avoiding the eye area, and leave it on.
4. Treat
When it comes to choosing an oil, concentrate or serum for dry skin, we recommend reaching for a product that is rich in fatty acids. Our suggestion is Facial Recovery Oil, which includes nourishing oils that are healing for dry skin. This luxurious face oil is formulated with precious herbs and oils, including clary sage oil and sage leaf extract, to soothe and renew the skin. It’s also a best seller and for good reason. It’s earned the nickname “liquid gold” by our customers – and even Cameron Diaz is a fan, saying: “A drop of Facial Recovery Oil goes a long way to relieve any dryness from the sun and water. A drop on each cheek after your shower will do wonders.”
5. Moisturize
When you shower or wash your face, make it a habit to apply a generous layer of moisturizer and spend a good amount of time massaging it into the face. Choose an oil-rich cream that replenishes moisture and repairs your skin’s lipid barrier. Our Coconut Age Corrective Moisturizer includes deeply moisturizing coconut oil and shea butter. Shea butter, in particular, is an excellent emollient for the skin, as it’s high in triglycerides and fatty acids which restore and retain moisture.
If you’re looking to target the neck and face overnight, use the Monoi Age Corrective Night Cream for Face and Neck as it reduces the look of fine lines and wrinkles so you’ll wake up with a more rejuvenated appearance.
And don’t forget the rest of your body. Dry skin is a real thing year-round. Whether the culprit is salt water, dry air, diet or environmental stressors, your arms and legs can feel the flakes and itch too. A nighttime skin care routine is one of the most effective ways that you can revitalize and hydrate your skin, especially mature skin. Out of the shower, we recommend using the Monoi Age Corrective Night Body Cream. It contains an exclusive Argan Stem Cell Complex to encourage softer, smoother-looking skin to appear.
Are you ready to update your dry skin care routine? Find these products and more at an Eminence Organics Spa Partner near you.
This article was originally written in November 2020.
A member of DeSantis’ team called out Trump on Twitter for spending over $40 million on legal fees.
The Washington Post reported that Trump’s PAC has spent more on legal fees than any other expense.
Trump is currently battling criminal indictments and civil lawsuits.
Thanks for signing up!
Access your favorite topics in a personalized feed while you’re on the go.
Florida Governor and 2024 presidential candidate Ron DeSantis has found a new line of attack against Donald Trump: his $40 million in legal fees.
Donald Trump’s PAC has spent $40.2 million this year to fund the former president’s extensive legal battles and those of his advisors, people familiar with the matter told The Washington Post. That’s the PAC’s greatest expense during the 2024 presidential campaign, The Post reported.
In response to The Post’s report, Andrew Romeo, a spokesperson for the DeSantis campaign, tweeted, “Trump has spent over $60 million on 2 things: falsely attacking DeSantis and paying his own legal fees, not a cent on defeating Biden. DeSantis’ sole focus, by contrast, has been campaigning for this country’s future, defeating Biden, and reversing the decline of America.”
Members of DeSantis’ campaign team and Trump’s campaign team did not immediately respond to Insider’s request for comment.
Trump’s legal battles have been piling up — earlier this year, he was indicted on charges related to a $130,000 payment made to porn star Stormy Daniels, and in June he was indicted on charges connected to his handling of classified documents.
He’s also being investigated in Georgia on allegations that he tried to interfere with the 2020 election results, and in Washington, DC, in connection with the January 6, 2021, Capitol riot.
For those who don’t want to keep their wine collection hidden away, our latest lookbook showcases some of the most inventive ways of showcasing wine bottles within a contemporary home interior.
Wine storage solutions can be created in homes of any size, by cleverly integrating shelving into wall niches or built-in furniture.
For those with enough space for a wine cellar, or even just a dedicated wine fridge, well-designed glazing and lighting can turn these spaces into focal points.
A more casual wine drinker could simply slot a small wine rack into a kitchen island or bookshelf.
Read on for 10 examples to suit homes of any size, including a wine cellar that doubles as a lightbox and a blue wine-rack wall.
This is the latest in Dezeen’s lookbooks series, which provides visual inspiration from our archive. Other recent editions showcase serene bedrooms and wood-panelled dining rooms.
Visible from both the staircase and a grand basement bathroom, this wine room was designed to be a key feature in a three-storey home in Montreal.
With frosted glass walls and stark lighting, it makes the bottles visible but partially obscured. They appear as a grid of spots across the surfaces of the bright white volume.
Bright blue wine storage extends floor to ceiling in this apartment in São Paulo, lining up exactly with a doorway in front.
The wine rack sits alongside a utility area but it is also visible from the living and dining room, so it made sense to make it a feature. It offers space for 108 wine bottles.
Wine bottles are not the primary focus in this kitchen extension in north London, which features an entire wall of treasured objects including ceramics, glassware and framed pictures.
Instead, they neatly slot into 10 circular cubby holes within the oak kitchen island. These holes extend through, creating room for two bottles in each opening.
The kitchen of this family home in São Paulo centres around a full-height glass-fronted pantry, offering plenty of storage space for food and crockery.
Wine storage is located within the front cupboard, slotted in underneath shelves for mugs and glasses. This places it within easy access of the adjacent dining room.
There is plenty of space for storing wine in this two-level home in New York‘s Tribeca, which was converted from two previously separate apartments.
In addition to the main kitchen, the residence has a kitchenette that features both a wine fridge and a wine rack that slots in above the wall-mounted high cupboards.
The owners of this lakeside cabin in Austin, Texas, also own a vineyard in Argentina, so they were understandably keen to put their wine collection on full display.
A wine room takes pride of place near the main entrance. It is visible behind a glass door that extends from floor to ceiling, creating an unusual backdrop to a grand piano.
This warehouse apartment in New York offers a highly simple wine storage solution.
The living space features a series of shelves that together form a sizeable bookcase. A wooden rack slots into the bottom shelf, allowing wine to sit alongside the literature.
This is the latest in Dezeen’s lookbooks series, which provides visual inspiration from our archive. Other recent editions showcase serene bedrooms and wood-panelled dining rooms.
