Business
5 Questions To Ask About Financial Sustainability
When it comes to financial sustainability, you’re going to want to know as much as possible. As the negative effects of climate change exacerbate, financial sectors are (finally) starting to shift their investments toward Environmental, Social, and Governance (ESG) considerations.
Sustainable finance is the process of taking ESG considerations into account when making viable investments. That means putting money into companies that develop renewable energy, hire and promote employ members of marginalized communities, and infrastructure that will help protect humans in at-risk environments.
This is a very serious, very complicated issue that we are running out of time to meaningfully tackle. There is also the risk that many of these efforts are performative (see: greenwashing), we have to make sure we are keeping those in power accountable.
Once again, we bring in our favorite finance expert, Danetha Doe Chief Economist at Clever Real Estate and creator of Money & Mimosas. There is a lot to consider when financing sustainability – and she’s here to break it down in a digestible way.
Here are 5 questions you should ask when considering financing sustainability, as explained by Danetha Doe.
Are these investments profitable? Or is this just charity for rich folks to pat themselves on the back?
Imperial College of London’s business school ran a multi-country analysis comparing the returns from each country’s largest fossil fuel and renewable energy stocks over the last 10 years. They found that renewable energy stocks delivered higher returns for both 5 and 10-year time periods.
Some people such as Kara Swisher and Chamath Palihapitiya think the next trillionaire will be someone that cracks a major problem in green energy. And for better or for worse, Elon is the richest person in the world based primarily on Tesla’s value.
All this to say, the answer is YES. You can care about the planet and make money at the same time.
Will these investments actually help the environment in tangible ways? How soon?
Broadly, yes, these investments will help – and are helping – the environment in tangible ways. Investing in solar panels, rainwater harvesting, and electric vehicles while divesting from fossil fuels will help to reduce the pollution from power plants.
The timeline of course correcting the damage that has already been done depends on a lot of factors. addition to investments from individuals, we need governmental bodies, Wall Street, and other parts of the private sector to continue to get on board.
President Biden’s Inflation Reduction Act includes environmental measures that will go a long way to support climate change efforts. The fashion industry, one of the biggest pollution culprits, has started to place a bigger emphasis on resale which will help to reduce waste. Wall Street has pumped out ESG funds that are more greenwashing than helpful, so we will need to hold them accountable.
As an individual, the way you choose to spend and invest your money will go a long way because it will force corporations to prioritize sustainability efforts.
Will taxing the wealthiest people their fair share help? Would something like a ban on private jets help?
The short answer is maybe. The corporate tax structure may need to be reviewed, but I’m a bigger fan of adding fees to resource use to cover the externalities and then redistributing those funds to climate change efforts. For example, Kourtney Kardashian exceeded her water allotment budget by 101,000 gallons in June. Instead of increasing her base income tax percentage, maybe there’s a fee of $1,000 for each gallon over the allotment budget. The $101,000,000 fee is then redistributed to technology companies solving the freshwater scarcity crisis.
Instead of banning private jets, you should have to pay a carbon fee for each ride. These fees might not stop the behavior, but they could finance the changes needed to get us to a greener future.
There are wealthy people who are actively trying to help with climate change efforts. Instead of penalizing all of them with a blanket tax, I suggest adding fees to resource use.
What kind of expenses will we be looking at if we fail to address climate change?
Deloitte’s report shows that inaction will cost the U.S. economy $14.5 trillion by 2070. Utility officials in Illinois estimate the warmer summers could cost locals an additional $11 billion over the next 30 years. By 2040, extreme heat in Arizona could add up to $110 to residents’ electric bills each year, according to the Environmental Defense Fund.
The Federal Reserve Bank of Chicago predicts homeowner’s insurance premiums to rise due to climate change. In fact, some insurers have already stopped covering parts of California deemed too risky because of wildfires
Why me? Why do I have to make these changes? Should it just be the corporations since they’re the ones ruining the world?
This is an all-hands-on-deck scenario. Corporations should be held accountable, but they do respond to your spending and investing decisions. Greenwashing wouldn’t exist if corporations thought no one cared about the environment. At the very least, be selfish and think about the fact that the quality of the environment directly impacts you. The more you do your part, the greater chance you’ll have at being able to enjoy the beautiful outdoors without worrying about fire smoke ruining your lungs or extreme flooding wiping out your island vacation home.
Where Do We Go From Here?
Investing in ESG is critical – but we have to be selective where we divest and relentless in our pursuit to ensure accountability. Further things to consider when financing sustainability are:
- Are these ESGs contributing to organizations or projects that counteract environmental harms perpetuated by the company? Or are they arbitrary investments that let them greenwash their reputation/only investments that provide “accreditation” over genuine impact?
- Are ESGs investing in genuine solutions, or projects that perpetuate inequities and environmental harm?
- Are companies engaging with ESGs also changing their own practices? Probably not: “They found that the companies in the ESG portfolios had worse compliance record for both labor and environmental rules. They also found that companies added to ESG portfolios did not subsequently improve compliance with labor or environmental regulations.”
- Also – looking at ESG investments relative to a company’s other investments is imperative.
We send many thanks to Danetha Doe for her expertise in the financial field and her lovely disposition. Be sure to check out Money & Mimosas for other financial tips!
Big thank you to Molly Blondell for her perspective on sustainable finance as an expert in the field.
We can solve the climate crisis – we have a lot of work ahead of us. Get involved in your community, start in your neighborhood. Organize a clean-up, press your local officials to get serious about recycling programs, any little thing you can do helps.
Let’s get to work.
What was once old is new again: mid century modern is back in style. From architecture to furniture, the postwar look is in, and the hype extends all the way to office chairs.
Do you need a mid century modern office chair in your life? If so, there’s plenty to choose from. Your office chair should be tailored to your style, whether you like luxury, utility, or something in between.
That’s why we’ve put together our 10 favorite places to find your ideal mid century modern office chair.
What is mid century modern design?
After World War II, spirits were high in the US, and new technology was taking the country by storm. Mid century modern refers to the design concepts that came about during this time.
As opposed to the frilly, ornate designs of classical furnishings, mid century modern designs are angular, material, and functional. Wood is a common design element, especially teak. Mid century modern furniture may also have materials like glass, vinyl, and metal. Designs are simple and geometric, with bold accent colors to make them pop.
The mid century modern aesthetic never really went away, but it’s made a noted comeback in recent years. Some have chalked it up to Boomer and Gen X nostalgia, others point to mid-century-set shows like Mad Men and The Marvelous Mrs. Maisel.
Why should I buy a mid century modern office chair?
Mid century modern is the perfect fusion of style and utility. If you want to cultivate an office space that commands respect without being ostentatious, mid century modern is the style for you.
When it comes to office chairs, an MCM one is often made with sturdy wood and vinyl. They combine the ergonomics of a modern office chair with old-fashioned grace.
If you’re concerned with utility and utility only, a more bog-standard office chair may suit you. But a mid century modern office chair is great for someone who wants to wow colleagues with a mature, thoughtful business space.
Where can I get a mid century modern office chair?
1) Wayfair
When it comes to furniture, Wayfair offers the best of both worlds. Their goods, including their mid century modern office chairs, are stylish and affordable. You can get a sturdy task chair for less than $100 or a more distinguished seat for less than $350.
MCM office chair examples: Dovray ($126), Bradford ($139), Lithonia ($133)
2) France & Son
Wayfair’s chairs are affordable, but France & Son is the perfect option for luxury shoppers. Their mid century modern office chairs are robust and sleekly designed. If you dress to impress and enjoy the finer things in life, these are the chairs for you.
MCM office chair example: Brooks ($695)
3) Houzz
Started as a community for people to share home decor tips, Houzz has become a great ecommerce platform for finding stylish furniture. They’re more known for home decor than desk chairs, but they have plenty of great, affordable finds if you know where to look.
MCM office chair examples: Arvilla ($173), Rathburn ($259)
4) Laura Davidson
The Laura Davidson collection offers a fairly limited selection of classic office furniture. Still, there’s a reason they’re trusted by big-wigs like Apple, Disney, and Salesforce. Their chairs are sturdy and beautifully designed, reimagining classic Eames and Knoll designs.
MCM office chair examples: Rockefeller ($275), SOHO II Soft Pad ($450)
5) Icons of Manhattan
Icons of Manhattan has a simple philosophy: do one thing, and do it right. Their office chairs are handcrafted from premium materials and tailored to a mid-century modern style. If you want that Mad Men energy in your office (hopefully with a lot less angst), these are the chairs for you.
MCM office chair example: Ribbed Medium ($219)
6) Amazon
Yes, the internet’s premier shopping destination has a robust collection of mid century modern office chairs. Like with most products, their selection of seats is vast and can be hit or miss. Still, they’ve got stunning chairs available for any style, whether you care about comfort, class, or ergonomics.
MCM office chair examples: IDS Home Modern ($219), Art Leon MCM Swivel ($139)
7) AllModern
AllModern’s collection of desk chairs and other furniture truly embodies the mid century modern spirit. Their work is tight, angular, and functional above all. They’re part of the Wayfair family and they traffic in a number of modern styles, but their sleek chairs are perfect for any mid century modern space.
MCM office chair examples: Frederick ($229), Kealey ($349)
8) Overstock
Overstock is known as a one-stop shop for quality home goods at sub-wholesale prices. If you want a spiffy mid century modern office chair that won’t break the bank, they’re the first place to look. While they’re somewhat less reliable than the more upscale platforms on this list, their selection is massive.
MCM office chair example: Joseph Modern ($163)
9) Walmart
Hayneedle’s selection of mid-century modern office chairs falls somewhere between the minimal Laura Davidson and the endless Amazon catalog. Their array of mid-century designs is affordable and versatile, with chairs that match almost any style. While they may be part of the Walmart family, these chairs are anything but second-rate.
MCM office chair example: Waleaf ($97)
10) Target
Why splurge when you can save? As usual, Target is a hidden gem, offering a sturdy selection of mid century modern office chairs for some of the cheapest prices out there. Many of the chairs they offer are from the same designers as these other stores—Christopher Knight, LumiSource, Armen Living, etc.—at reduced prices.
MCM office chair example: Lombardi ($136)
A quality payroll service is one of the most invaluable tools any entrepreneur can have. Whether you’re a small business owner or an HR manager, paying your employees on time is crucial. This makes choosing a service even more weighty, after all, it is a heavy administrative burden. The good thing is, you can outsource this duty to an online payroll processor.
According to statistics, 49% of workers begin a new job search after just two paycheck errors, and with 65% of workers living paycheck to paycheck, it’s more important than ever to ensure an efficient, effective payroll process.
These services can save you precious time and mitigate potential issues. To make it easy for you to choose, we listed the best online payroll services for 2025.
Top 5 Online Payroll Services
Gusto
Gusto is a great option for both new and experienced payroll administrators, boasting an incredibly clean user interface and a first-rate payroll setup. Gusto lets you manage your employee’s time off (vacation and sick pay), company health insurance, and worker’s comp. Gusto offers excellent mobile access, too. This allows employees to manage aspects of their Gusto profiles, view payday insights, and access Gusto Wallet financial tools.
Gusto offers four tiers of membership, the most affordable of which is the Contractor’s Only plan, which offers unlimited U.S.-based and global contractor payments, supporting more than 100 countries, plus 1099 creation and filing at a rate of $6 per person per month with no base price.
The other three are Simple, Plus, and Premium. Here’s a deeper look into each plan:
Simple
Price:
$40/mo + $6/mo per person
Plan details:
- Full-service single-state payroll including W-2s and 1099s
- Employee profiles and self-service
- Basic hiring and onboarding tools
- Gusto-brokered health insurance administration
- Employee financial benefits
- Payroll and time-off reports
- Custom admin permissions
- Integrations for accounting, time tracking, expense management, and more
Plus
Price:
$80/mo + $12/mo per person
Plan details:
(All Simple plan features +)
- Full-service multi-state payroll including W-2s and 1099s
- Next-day direct deposit
- Advanced hiring and onboarding tools
- PTO management and policies
- Time tracking and project tracking
- Workforce costing and custom reports
- Team management tools
- Full support
Premium
Price:
Bespoke pricing, reach out for a personalized quote
Plan details:
(All Plus plan features +)
- HR Resource Center
- Compliance alerts
- Access to certified HR experts
- Full-service payroll migration and account setup
- Health insurance broker integration
- R&D tax credit discount
- Waived fees and exclusive pricing
- Performance reviews
- Employee surveys and insights
- Dedicated support
QuickBooks Online Payroll
Founded in 1983, Intuit is a California-based financial software company. Since its inception, Intuit has developed into one of the best-known providers of accounting software. Their online payroll service, QuickBooks, includes the essential features you need to run payroll.
QuickBooks offers three tiers of membership. The least expensive membership covers basic accounting features, such as invoices. For more features, check out the Essentials and Plus memberships. Each plan’s features are as follows:
QuickBooks Simple Start (2025)
- Price: $38/month for 1 user
- Best for: Freelancers and small teams with basic payroll needs
Features:
- Automated bookkeeping
- 5 free ACH bank transfers/mo for bills
QuickBooks Essentials (2025)
- Price: $75/month for 3 users
- Best for: Small businesses needing deeper financial tracking
Features:
- Includes all Simple Start features, plus:
- Recurring invoices
QuickBooks Plus (2025)
- Price: $115/month for 5 users
- Best for: Growing businesses with HR and compliance needs
Features:
- Includes all Essentials features, plus:
- AI-powered profit & loss insights
- Anomaly detection and resolution
- Budgeting
QuickBooks Advanced (2025)
- Price: $275/month for 25 users
- Best for: Established businesses with HR and compliance needs
Features:
- Includes all Plus features, plus:
- Custom user management and permissions
- Custom report builder
- Data sync with Excel
- Revenue recognition
- Forecasting
OnPay
OnPay is a cloud-based full-service payroll processing system capable of running payroll according to a preset schedule, automatically disbursing wages, and calculating and withholding taxes.
OnPay can sync up with several other software your team is already using, making it easy to integrate the service into your team’s system. Another benefit of OnPays model is the simple, transparent pricing structure. No tiers; just one base rate.
Pricing:
$49/mo + $6/mo per employee
SurePayroll
SurePayroll’s award-winning service supports W-2 employees and 1099 contractors. Additionally, it handles 401(k) deductions and manages flexible spending accounts (FSA) and health savings accounts (HSA).
SurePayroll also offers a mobile app— available on both Apple and Android devices.
SurePayroll offers live support through its United States-based support team through chat, email, or phone.
Small Business Payroll
- Price: No Tax Filing: $20/month + $4 per employee, Full Service: $29/month + $7 per employee
- Best for: Small businesses and startups
Features:
- We file and deposit your federal and state taxes!
- Run payroll in 3 simple steps
- Schedule payroll to run automatically
- Unlimited payroll runs and free 2-day direct deposit
- Reports and pay stubs are available online 24/7
- Supports W-2 employees and 1099 contractors
Nanny & Household Payroll
- Price: Full-Service Household, $39/month, includes 1 employee, $10 per additional employee
Best for: Homeowners
Features:
- Signature-ready Schedule H
- We file & deposit your federal and state taxes!
- Run payroll in 3 simple steps
- Schedule payroll to run automatically
- Unlimited payroll runs and free 2-day direct deposit
- Reports & paystubs available online 24/7
- Supports W-2 employees & 1099 contractors
Be sure to choose a payroll service that works for your business, and provides you with the peace of mind that comes with a reliable bookkeeping system. Your employees will thank you.
What Is Tiktok Pink Sauce? The Viral Condiment, Explained
Did You Drop Your Smartphone in The Ocean? Here’s How to Retrieve It
Gift Guide: 25 Best Gifts for Women for All Occasions
History of the NBA: The Success Behind the Big League
Demio SaaS 2025 Review: Features, Pricing, Pros & Cons
Top 12 Uses for The Metaverse That Will Change Your Life
Top 10 Best Places to Buy a Mid Century Modern Office Chair
Top 10 Best Places to Buy a Mid Century Modern Office Chair
History of the NBA: The Success Behind the Big League
8 Best Equipment for YouTube Every Content Creator Needs
Demio SaaS 2025 Review: Features, Pricing, Pros & Cons
Did You Drop Your Smartphone in The Ocean? Here’s How to Retrieve It
Top 10 Small Business Organization Tools for 2025
Top 12 Uses for The Metaverse That Will Change Your Life
Entertainment2 days agoHistory of the NBA: The Success Behind the Big League
- Reviews2 days ago
Demio SaaS 2025 Review: Features, Pricing, Pros & Cons
- Lifestyle1 day ago
Did You Drop Your Smartphone in The Ocean? Here’s How to Retrieve It
- Lifestyle2 days ago
Gift Guide: 25 Best Gifts for Women for All Occasions
- Top Stories1 day ago
What Is Tiktok Pink Sauce? The Viral Condiment, Explained
