A former Hawke’s Bay-based mortgage broker has been accused of using fake pay slips to apply for loans for herself and her clients.
Natalie Ann Carter pleaded guilty to eight of the 15 charges filed against her in the Napier District Court.
The Financial Markets Authority alleged seven home loans were applied for, totalling $2.91 million in value.
At least three of the seven applications were successful to the total value of $1,087,700.
The FMA brought charges of using a forged document, making a false document, obtaining by deception, obstructing the FMA’s powers and making false or misleading statements.
Carter’s employment at the Hawke’s Bay-based brokerage was terminated in January 2020.
She will reappear in the Napier District Court in December.
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We know it’s the week before Halloween, but it’s not too late to grab the perfect Halloween decor! Whether you’re looking for the perfect finishing touches to complete your Halloween home or you haven’t even begun to decorate, Amazon has you covered with all kinds of Halloween decor.
The online retailer has more than just indoor decorations and spooky decor for your yard. If you’re in need of Halloween costumes, party supplies, Halloween candy, costume makeup, pumpkin carving supplies, and more, Amazon has what you’re looking for!
Where to Buy Halloween Decor: Amazon Prime Members Have Access to Fast, Free Shipping
Get Halloween decor to your front door fast with Amazon Prime. If you’re an Amazon Prime Member, you’ll get your Halloween decorations fast and easy with two-day shipping! Signing up to become a Prime Member is easy for those who don’t already subscribe.
18 Halloween Decorations to Turn Your Home From Bare to Scare
Halloween Kitchen Decor
Buy from Amazon, $40
Let your friends and family know what you’re serving up this Halloween with this spooky coffin-shaped letter board! It’s the perfect kitchen or dining room accessory for listing menu items, but it can really be used anywhere in the house. It’s available in black, orange, or purple and comes complete with 500 white and black characters so you can create a custom sign for your home.
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Halloween Bathroom Decor
Buy from Amazon, $18
Keep your bathroom smelling fresh this fall with this pumpkin spice soy wax candle. It’s infused with fall scents like pumpkin, cinnamon, clove, and vanilla and small enough (9 oz.) to place on the back of a toilet or vanity in your home’s powder room to mask any unwanted odors this Halloween!
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Halloween Home Decor
Buy from Amazon, $30
These adorable mini knit pumpkins are ideal for your mantle or can create a beautiful centerpiece for your coffee table or dining room buffet this fall. They’re hand-made by a small business in Wisconsin, stand 2.5″ x 2″ tall, and come in a set of 12 fall colors sure to fit with a variety of home decorating styles.
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Halloween Door Decor
Buy from Amazon, $26
Welcome guests this Halloween with this ghoulish front door sign. The “Welcome” illuminates to greet your guests and trick-or-treaters alike! This wreath comes in three options: the ghost pictured here, a moon wreath with a black cat, and an alien sign that reads “You were warned.”
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Halloween Table Decor
Buy from Amazon, $31
Dress up your table this Halloween with these adorable light up ghost figurines. Each little ghost has a different expression and body type that gets illuminated by LED lights in a beautiful warm white glow. From mantles to dining room tables, decorative shelving, and more, there’s no wrong way to decorate with these ghosts!
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Halloween Porch Decor
Buy from Amazon, $10
Illuminate your yard with these creepy glowing ghosts this Halloween. Each kit comes with three ghosts adorned with witch hats that light up. When night falls, they will seem to float in the air, creating a mysterious atmosphere on your property for your guests or passerby.
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Pastel Halloween Decor
Buy from Amazon, $27
This set of decorative pumpkins feature traditional pumpkin shapes and are painted in harvest white and pastel pink, then lightly brushed with gold and topped with whitewashed stems. They’re also available without the gold brushing detail as well as more traditional Halloween color options. Use them in a decorative bowl to create a centerpiece, on your mantle, or in a powder room to create a festive fall ambiance.
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HALLOWEEN WALL DECOR
Buy from Amazon, $9
This kit comes of 120 bat stickers is made of waterproof PVC, making them the perfect indoor or outdoor decor! The bats come in four ranging sizes with wings that can be folded any way you like. Use them on interior or exterior walls to create a spooky vibe anywhere around your home.
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Halloween Mantle Decor
Buy from Amazon, $7
100% anti-crease polyester fabric ensures a lightweight, durable, and fade-resistant black lace spiderweb perfect for your Halloween mantle, dining room table, or buffet set-up. It’s 18×96 inches and can be used in plenty of other ways, too, including over a doorway or window or as a backdrop for your Halloween photo shoot.
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Black Cat Halloween Decor
Buy from Amazon, $20
Illuminate your yard this Halloween with this set of decorative black cats. Their eyes glow with purple LED light to create a mysterious and dark atmosphere on your property. They can be turned on automatically or set with a timer to glow for six hours at a time.
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Halloween Window Decor
Buy from Amazon, $10
Illuminate your window this Halloween with a spell book, cat, and cauldron light set! Set it and forget it this Halloween with these timed LED light shapes, which also come in a set that has a pumpkin, spider, and witch hat.
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Indoor Halloween Decor
Buy from Amazon, $24
Use these flickering flameless hanging candles throughout your home this Halloween to achieve a spooky atmosphere! Each tapered candle is equipped with barely-there fishing line that makes them easy to hang from ceilings, mirrors, and more. The best part is that they’re controlled with a magic wand that only requires one AAA battery.
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Halloween Witch Decor
Buy from Amazon, $30
Install this quintessential crashing illuminated witch to any tree in your yard for a hilarious addition to your Halloween decor. Long straps on each hand and ankle make it easy to install, remove, and reuse year after year. The steel wire in the broom makes it adjustable and customizable, too! Available in warm white or orange lights, this crashing witch is a must-have.
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Cute Halloween Decor
Buy from Amazon, $24
Dress up your couch, power recliner, or porch swing this Halloween with these adorable ghost throw pillows! They’re made from an ultra-soft polyester velvet material that’s durable but soft to the touch. Each set comes with three pillows that range in size (12″x16″, 13.5″x16″, 17″x16″).
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Gothic Halloween Decor
Buy from Amazon, $15
If you’re a lover of gothic Halloween decor, these artificial eucalyptus stems are ideal for your home. Each pack comes with 24 pieces of black faux eucalyptus stems (13.4 inches in length) ideal for centerpieces, entryways, and more.
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Living Room Halloween Decor
Buy from Amazon, $12
Have throw pillows you want to dress up for the Halloween holiday? This set of four throw pillow covers is perfect! With quotes like “It’s Just a Bunch of Hocus Pocus” and “Sanderson Sister’s Black Flame Candle Company,” they’re perfect for any fan of Hocus Pocus! Available in white and black, white, black and orange, or colorful options, these throw pillow cases will fit into any Halloween home decor.
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Chic Halloween Decor
Buy from Amazon, $25
This rustic book tower features burlap ribbon wrap and is accented with the words “spells”, “curses”, and “brews” in a typewriter style print that’ll make the perfect addition to your bookshelf, coffee table, or window display this Halloween. Plus, these open like a box and are hollow inside, so they can double as secret storage!
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DIY Halloween Decor
Buy from Amazon, $10
Create your own custom Halloween decorations with this DIY wood set complete with spiders, bats, pumpkins, witch hats and eight other varying styles. These decorations can be stained or painted any way you like, then hung with the cotton rope each kit comes with to easily transform your home for the Halloween holiday.
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Get festive with these Halloween decorations! Shop these and more from Amazon.
Want more Halloween ideas? Keep reading!
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Woman’s World aims to feature only the best products and services. We update when possible, but deals expire and prices can change. If you buy something via one of our links, we may earn a commission.
Delaware may be one of the nation’s smaller states, but it certainly packs a punch in character and opportunity. From its strategic location on the East Coast and tax-friendly policies, to its vibrant communities and natural beauty, there is much to appreciate about life in the First State. However, like any location, living in Delaware has its share of drawbacks. In this Redfin article, we will look at what it’s like to call this state home, exploring the unique pros and cons of living in Delaware. So whether you’re looking for homes for sale in Wilmington, apartments in Dover, or just want to learn more about the area, join us as we embark on a journey through the First State.
Pros of living in Delaware
1. No sales tax and other great tax benefits
One of the standout advantages of living in Delaware is the absence of a state sales tax. This unique feature sets Delaware apart from many other states in the U.S. Residents of the “First State” can enjoy tax-free shopping, making their dollars stretch further and saving significantly on everyday purchases, big-ticket items, and even luxury goods. Additionally, the state does not tax Social Security income, and no inheritance or estate tax exists. These favorable tax policies contribute to a lower overall tax burden for individuals and families, offering an attractive financial incentive for those who appreciate keeping more of their hard-earned income.
2. Proximity to major East Coast cities
Delaware’s prime location on the East Coast offers a significant advantage to its residents. Positioned between the bustling urban centers of New York City and Washington, D.C., Delaware provides quick and convenient access to these metropolitan hubs’ cultural, economic, and professional opportunities. The state’s well-connected transportation infrastructure, including I-95 and Amtrak, makes commuting or weekend getaways a breeze. This geographic advantage allows Delawareans to enjoy the benefits of living in a more relaxed and affordable environment, while still having the vast array of amenities and services of major cities just a short journey away.
3. Beautiful coastal areas
The state boasts a stunning stretch of coastline along the Atlantic Ocean, featuring pristine beaches such as Rehoboth, Bethany, and Dewey Beach, each with a unique character. These coastal havens offer opportunities for sunbathing, swimming, water sports, and scenic walks along the boardwalks. Additionally, Delaware’s coastal areas are home to picturesque fishing villages like Bowers and charming beach towns, each exuding a sense of nostalgia and offering delectable seafood dining options.
4. Historic charm and cultural heritage
As one of the original 13 colonies, the state boasts a rich legacy celebrated through numerous historic sites and museums. Delaware enchants residents with its rich tapestry of history, ranging from the charming colonial-era buildings in New Castle to Dover’s pivotal role in early American history. Its charming historic districts and landmarks provide a living connection to the past, while cultural festivals, arts communities, and educational institutions help foster a dynamic appreciation for heritage.
5. Sense of community
Delaware’s residents often praise the state’s strong sense of community, fostered by numerous small towns and close-knit neighborhoods. Communities frequently unite for local events, festivals, and volunteering, reinforcing neighborly bonds and nurturing a supportive, inclusive atmosphere. The state’s modest size maintains this sense of connection even in larger cities, ensuring a network of support and meaningful relationships. This pervasive sense of belonging significantly enriches residents’ quality of life, adding to Delaware’s charm and making it an inviting place to live.
Cons of living in Delaware
1. High cost of living in certain areas
While Delaware offers diverse, appealing features, including its tax benefits and coastal beauty, it’s not without drawbacks, particularly concerning the cost of living in specific areas. Sussex County, famed for its scenic coastal communities, experiences a cost of living approximately 3% higher than the national average, driven in part by the elevated demand for housing in these picturesque towns. The state’s median sale price, at $341,500, is lower than the national median of $412,001. However, the median sale price in Lewes soars to $596,000, underscoring the considerable discrepancy in real estate costs. This higher cost of living in select areas can pose financial challenges for residents, affecting housing affordability and everyday expenses but there are many affordable places to explore.
2. Limited public transportation options
One notable drawback of living in Delaware is the limited public transportation options, particularly in some less urbanized areas. While the state’s metropolitan regions offer some public transit services, like Dover, which has a transit score of 28, the coverage and frequency of these systems can be limited. This leaves residents in more rural or suburban areas reliant on personal vehicles for commuting and daily transportation. This lack of extensive public transport can lead to increased traffic congestion, higher commuting costs, and limited accessibility for those who do not own a car.
3. Extreme weather fluctuations
Delaware’s weather patterns are characterized by extreme fluctuations, which can be a considerable con for residents. The state experiences all four seasons, but their transitions can be abrupt and unpredictable. Winters can bring heavy snowfall and cold temperatures, while summers can deliver sweltering heat and high humidity. Although often pleasant, the spring and fall seasons can also be marked by sudden weather changes, including severe thunderstorms and even hurricanes in some years. These rapid shifts can challenge planning outdoor activities and dressing for the day.
4. Coastal flooding and hurricane risks
With a significant portion of the state’s population concentrated along the Atlantic coast, Delawareans are more exposed to the potential consequences of coastal flooding and hurricanes. During hurricane season, the state faces the risk of severe storms and rising sea levels, which can lead to flooding, property damage, and displacement of residents. While the state has implemented measures and emergency response plans, including potential evacuation protocols, the recurrent threat of hurricanes can be a cause for concern, impacting both homeowners and the overall quality of life.
5. Smaller job market
The number of job openings and career advancement prospects can be more limited than larger metropolitan areas. The state’s compact size also means that commuters often look beyond Delaware’s borders for job options, adding to the complexity of the employment landscape. Consequently, career growth and industry diversity can be challenging, making it more difficult for professionals in certain fields to find their desired positions within the state.
Pros and cons of living in Delaware: Bottom line
Ultimately, the decision to call Delaware home depends on individual priorities and preferences. For some, the state’s serene coastal beauty and tax benefits may outweigh the disadvantages. For others, the challenges may weigh more heavily. Ultimately, living in Delaware balances the pros and cons to create a unique and fulfilling lifestyle in the “First State.”
Forex is a portmanteau of the two words “foreign” and “exchange,” and implies the purchase or sale of one particular currency for another. Although Forex trading might at first glance seem like a form of gambling, the tools, strategies, and skills involved with Forex trading do not rely on chance and sheer luck to the degree they do in gambling activity.
Learning the terminology and basics of Forex trading is like learning any new language. Some of the most important terms in Forex trading include currency pairs, pip, and margin. These are some basic Forex terms that you should know when you are looking to venture in trading. Having a working knowledge of basic Forex terminology is a great way to build a solid foundation for trading.
Pips and their value
In the English language, a pip is another word for a small, hard seed in a fruit. In terms of currency exchange, it has another definition entirely. To answer the question, what is a pip in forex, it is the smallest unit of measurement to denote the change in value of two designated currencies. Pips are price increments that have a value dependent on the particular currency you are trading.
For example, if you are trading between Euros and United States dollars, the pip extends out to four decimals, or .0001. In other words, it is one-hundredth of one percent. However, the value is different for other currencies such as if you are dealing with United States dollars and Japanese yen, where a pip will be worth .01. Pip calculators are valuable tools to help do the math for specific currency pairs.
Currency pairs – major, minor, and exotic
To start off the list, currency pairs are just like the name suggests – they are the two currencies that comprise the exchange rate like GBP/USD, which is the currency pair for British pound sterling and United States dollars.
Another major currency pair is EUR/USD, which is the currency pair for Euros as the official currency of the European Union’s nineteen member states and United States dollars. Major currency pairs are one of the three types of currency pairs in Forex trading, along with minor and exotic.
Margins – what they are
In Forex trading, the margin is the amount of currency that is required for a trader to commence a transaction. As a general rule of thumb, a margin above 100% is considered to be acceptable, but it is better and safer to shoot for a margin that is 200% at the minimum.
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We may be nearing the bottom in home sales even if mortgage rates don’t decline. As a result, there may be a light at the end of the tunnel in this crazy market cycle.
At least, that’s what the data seems to suggest as inventory grows and new listings decline at a less aggressive rate than last year.
To get the weekly picture of the housing market, watch the video above.
Don’t have time? Here are some quick takeaways from our latest data dive at Altos Research.
Inventory creeps up
There are now 562,000 single-family homes on the housing market. That’s up 1.5% from last week.
Don’t be surprised if inventory keeps climbing next week into November. This has been a supply-constrained market, and it’s not just a demand thing.
New listings decline isn’t as steep as a year ago
There were only 53,000 new listings (single-family homes) unsold this week, plus 10,000 more new listings that are already in contract. There are far fewer sellers now than in any recent year.
However, last year’s seller decline was much more steep. By next week, we could have more new sellers than this time last year. This would be the first inkling of a housing market where sales could start to post year-over-year gains.
Soaring mortgage rates stifle buyer demand
There are only 319,000 single-family homes in the contract-pending stage. That’s a fraction fewer than last week and 6% fewer sales than last year.
Although there are just 53,000 new contracts for single-family homes this week and we’re heading into a traditionally slower homebuying season, we might end the year with more sales in the pipeline than the disastrous fourth quarter of 2022.
Consumers are more sensitive to changes in mortgage rates than to absolute levels. Both 2022 and 2023 were marked by sharp increases in mortgage rates. So even if rates stay at 8%, that would imply improving home sales volume in 2024.
Price cuts are still on the rise
About 38.9% of the homes on the housing market have taken a price cut. Future home sale price signals are not as negative as they were this time in 2022 when 43% of the homes had taken a price cut.
Home prices continue to be 2% to 3% above last year and look to end the year at that level. The median price of single-family homes in the United States is now $434,950.
[Note from editor: The “Mastermind Showcase” highlights companies and news from members of the GEM. Today’s showcase: Tongo]
Tongo provides brokers and agents with a way to access pending commissions with an Agent-Line-of-Credit where they only borrow what they need and only pay back when they get paid. Agents get instant access to up to 75% of their commission in a single application for as low as 3% interest per 30 days. Every transaction is just between agents and Tongo and brokerages are not liable for advances through Tongo, relieving brokerages from having to be “the bank” for their agents.
What we like: With the vast majority of agents that operate as 1099s as its beachhead, Tongo is building a financial toolset for the broader gig economy that spans many industries. Though it’s a complex undertaking, there is a tremendous TAM available for the taking
Architect Louis Naidorf had a disastrous 80th birthday cake. In 2008, Naidorf, who designed the Capitol Records building in Hollywood, was presented with a celebration cake that had been custom-baked in the shape of his iconic cylindrical building. But the pastry soon reflected the rather substantial difference between concrete and flour.
“When the cake was brought out, it gently collapsed, and everyone applauded,” Naidorf says, laughing over the phone from his home in Santa Rosa. “It was like in one of the movies where the Capitol Records building was destroyed.” Thankfully the cake for his 95th birthday, which he celebrated last month, was more structurally sound.
Designated a historic-cultural monument in 2006, the building has long been a favorite Los Angeles landmark to demolish on film — especially for filmmaker Roland Emmerich, who blew it up with an alien spaceship in “Independence Day” and slammed it with twisters in “The Day After Tomorrow.” Yet no movie can ever write the building out of a central place in popular music history. The tower is synonymous with the illustrious Capitol Records, home of Nat King Coleand Frank Sinatra, and the American record label of Pink Floyd and the Beatles, with the latter’s stars lining the Hollywood Walk of Fame right in front of the building.
Over the last several years, the building has been illuminated in support of various sociopolitical causes. In 2020, it was lighted red to support independent music venues. Last year, during their performance in Hollywood, Duran Duran lighted the Capitol Records building blue and yellow in solidarity with Ukraine. “I think that’s excellent,” Naidorf says. “Anything that vigorously engages the public on the right side of good causes transcends other issues. I’m flattered they use the Capitol Records building. It means it has enough cachet to merit being chosen to do that.”
Like the famous landmark he designed, Louis Naidorf has of late been experiencing his own brush with stardom, with postcards from autograph seekers arriving at his door. He is flattered but doesn’t take the attention too seriously.
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“It’s obvious that if someone asks me for four signatures I’m part of trading baseball cards or something,” he says. “They are going to trade four Lou Naidorfs for one Joe Smith.”
Still, he’s surprised and somewhat baffled by the sudden burst of recognition after all these years. “I guess my name ended up on a list or something,” he shrugs.
Naidorf was just 24 years old when he designed the Capitol Records building, in 1953. It was the world’s first circular office building.
Though it was 70 years ago, he vividly recalls how he felt when he received the assignment for his first solo project. “At one level, I felt enormous anxiety that if I didn’t get a solution, very, very quickly, something terrible would happen,” he says. “On the other hand, I felt a total confidence that I could do it. So it was a crazy contradiction.”
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Naidorf notes the building’s porcelain enamel sunshades with carefully spaced gaps to play with light and shadow. These cause spiral lines to appear on the building, drawing the eye into a rhythm rather than straight up and down. “You can see Capitol Records from quite a distance and you get a first impression of its basic form and character. You have a reading of it as complete,” he says. “But the building is designed so that the closer you get to the building, you discover more details.”
What about the long-standing myth that its round shape was designed to look like a stack of records with a rooftop antenna resembling a phonograph needle? As hard as it might be to believe, the legendary story about the building is just a coincidence — an urban legend that Naidorf has tried to debunk for decades.
In fact, when his boss, Welton Becket, tasked him with the assignment, the building was simply referred to as Project X. Shrouded in secrecy, Naidorf was given little guidance for the project other than being asked to design a 13-story building on a sloped side street in Hollywood that had to be kept as cool as possible and had smaller than usual floor space. He also didn’t know for whom he was designing it. Naidorf says it was common for clients’ identities to be kept confidential during the initial planning stages of a project.
However, Naidorf relished the creative latitude. The absence of information left him unburdened by preconceived ideas. “I knew the door was open for something special. It urged me so strongly,” he says earnestly. “I felt, and I think all architects feel this way … there’s a drive to translate the mundane bare requirements that clients come in with into something that has some poetic qualities about it.”
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Naidorf then had an epiphany: The project’s requirements were “eerily resonant” with a series of circular buildings he had designed for his master’s thesis in college. “The round shape is a very efficient enclosure of space,” he says. “You get more bang for your buck.”
Not everyone agreed with his approach. Naidorf says that Capitol Records co-founder and President Glenn Wallichs became irate when Naidorf presented him with a model and drawings of a round building, and “violently rejected” the design. “He thought it was a cheap stunt designed by a young guy to make the building look like a stack of records,” Naidorf says, laughing.
Wallichs insisted that Naidorf replace the round design with plans for a rectangular building. But when both rectangular and circular designs were presented to the insurance company financing the land, Naidorf says that Wallichs was urged to proceed with the round design.
Soon after, when talk of the building housing a radio station (that never came to fruition) was raised, Naidorf fretted when he was asked to design an antenna. He was worried that it would look like a phonograph needle and cement the idea that the building was designed to look like a stack of records.
Owing to his nagging concern, Naidorf positioned the rooftop spire asymmetrically, poised to appear as if it touches the roof delicately, like “a ballerina en pointe.” He calls it the building’s “grace note.” Still, the stack-of-vinyl myth persists. Laughing, Naidorf says, “It’s the most enduring myth of all.”
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Despite his good humor, it leaves him conflicted. “The building was not designed as a cartoon or a giggle. To have it trivialized with the stack-of-records myth is annoying and dismaying,” he says. “There’s not a thing on the building that doesn’t have a solid purpose to it.”
Naidorf’s ingenuity has been especially impressive to Los Angeles-based architect Lorcan O’Herlihy, who says he has “often responded strongly to the fact and admired that here was this interesting architect [Naidorf] who was combining science and art, or artistry and technology. Welton Becket [& Associates], very much to their credit, were at a period where modernism was at its heyday and they had to come up with ideas that were new and fresh and they did it, and Lou was certainly instrumental in that. His work is extraordinary.”
Naidorf was born in Los Angeles in 1928. His father owned a shop where he made and sold women’s clothing, with Naidorf’s mother lining the garments. Owing to his father’s lack of accounting skills and business acumen, however, the business often collapsed, forcing his parents to work at a garment factory until debts could be paid off to reopen the store.
Throughout his childhood, Naidorf’s family struggled financially as they moved around, living mostly in Silver Lake and Los Feliz. With only enough money to rent studio apartments, Naidorf’s parents slept on a Murphy bed while Naidorf spent his nights on a mattress on the floor.
As a little boy, Naidorf felt drawn to buildings. When his third-grade teacher decorated the classroom with a Hawaiian vacation theme, his fascination morphed into a calling. “I asked my teacher who made the drawings and she said, ‘Naval architects.’ And then I asked her who draws the plans for houses and she said, ‘Architects.’ She told me to ask my mother to show me the floor plans that were published in the real estate section of the Sunday edition of the newspaper.
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“When I saw them, I was a goner,” he swoons. “I now knew what I wanted to do. I wanted to be an architect.”
Naidorf remembers, at age 8, designing a three-bedroom house, using a card table as a makeshift drafting table. Soon after, he began designing small towns. “It wasn’t anything brilliant, but I was learning to draw, learning to scale and learning to think in spatial terms,” he says. When he was 12 years old, Naidorf got a part-time job at a bookstore, where he spent his first two paychecks on architecture books, absorbing them until they were threadbare.
Beyond literature, Naidorf amassed a growing collection of architectural materials (T-square, rectangles, instruments for ink drawings), thanks to his bar mitzvah presents, and decided he was ready to get to work. Sanford Kent, a young architect who had just graduated from USC, hired a tenacious 13-year-old Naidorf, paying him out of his own pocket.
Naidorf says tackling the abstract problems Kent gave him at once stimulated his mind and were instrumental in forming his long-standing ethos. “It got me thinking about architecture in terms of its effect on human emotions. The key issue is, ‘How do people respond to your work, whether from a distance or by living it?’” he says.
He continued to soak up whatever he could about architecture, gearing his junior and high school classes toward studying architecture in university. He attended UC Berkeley instead of the privately funded USC, not only to leave home and expand his horizons but also because of its affordability.
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Even still, Naidorf couldn’t afford all of the program’s required materials. He borrowed airbrushes from his fellow students, who would also give him their pencil stubs instead of tossing them out. Naidorf submitted his assignments on pebble board, which was not only cheaper than illustration board but allowed him to draw on one side, flip it over and draw on the other.
In 1950, Naidorf graduated at the top of his class and got his master of architecture degree a year early. He skipped his graduation ceremony because he had a job interview the next day at Welton Becket & Associates, where he was promptly hired. Among his earliest design assignments: a tray slide for a hospital cafeteria, a clothes closet and a “Please Wait to Be Seated” sign for a restaurant.
Three years into his employment, he began working on the Capitol Records building. Naidorf says he would design it the exact same way if he were given the assignment today.
Andrew Slater, former Capitol Records president and chief executive (2001-07), attests to the building’s distinctive charm. “When you go to work every day in that building it’s like you’re going into a piece of art, and it informs your attitude … to do something with that mindset, which is great,” he says. “Even though working in the music industry is, in a sense, an industrial endeavor, you never felt like you were doing anything industrial when you walked into that building.”
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Still, Naidorf fears being perceived as a “Johnny One Note,” as he puts it. Noting the plaque bearing his name outside the building’s main entrance, he expresses gratitude but wariness “that this one modest project has to carry my whole reputation on it.”
It’s a fair point, given the magnitude of Naidorf’s notable oeuvre. It’s earned him 17 regional honor and merit awards and AIA California’s Lifetime Achievement Award (2009). His work also has been featured at the J. Paul Getty Museum in Los Angeles.
“I know Capitol Records is always the first one people talk about and it’s a splendid, iconic building that fuses artistry and functionalism, but he’s also produced other projects over the years,” says fellow architect O’Herlihy. “The Santa Monica Civic Auditorium is brilliant.”
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Naidorf designed the 3,000-seat capacity Santa Monica Civic Auditorium on the heels of the Capitol Records building, in the late 1950s. Essentially two buildings in one, it was a challenge to design a locale that functioned at once as a performance space with a sloped floor and an exhibit hall with a flat floor for sports events, banquets and trade shows.
He transformed the floor from flat to tilted using a hydraulic system that was hailed for its innovation. “I don’t think you’ll find any place that has a symphony on a Friday night and a gem show, or some kind of hobby show, on Saturday,” he says.
Formerly home to the Santa Monica Symphony Orchestrabut currently sitting vacant, the Civic Auditorium opened its doors to the public in 1958. From 1961 to 1968, it hosted the Academy Awards. It also was the site of live recordings including George Carlin’s comedy record “Class Clown” and the Eagles’ “Eagles Live,” a double LP recorded during their three-night run at the venue. It also hosted “The T.A.M.I. Show” in 1964.
In the meantime, while the Civic was still under construction, Naidorf designed the 15,000-seat capacity Los Angeles Memorial Sports Arena, the biggest arena in Los Angeles when it opened in 1959. (The arena was demolished in 2016 to make way for the Banc of California Stadium, now called BMO Stadium.)
Naidorf says the Sports Arena, home to various Los Angeles sports teams including the NBA’s Lakers (1960-67) and Clippers (1984-1999) and the NHL’s Kings (1967-68), was built to attract sports teams to Los Angeles, but uncertainty about whether they’d catch on meant the facility had to be viable for other purposes.
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In 1960, a year after it opened its doors, the Sports Arena hosted the first Democratic National Convention in Los Angeles, where John F. Kennedy became the presidential nominee. Muhammad Ali (then known as Cassius Clay) won a boxing match there in 1962. It also hosted rallies by Martin Luther King Jr. and the Dalai Lama, and saw concerts by legendary rock acts including the Grateful Dead.
Bruce Springsteen played the venue’s final concerts before the building was demolished, a three-night stint during which he dedicated his song “Wrecking Ball” to the building lovingly nicknamed “The Dump That Still Jumps.” “Well, it was pretty dumpy by the end,” Naidorf says, laughing. “Not all architecture is permanent,” he continues. “I’d rather it was demolished and some useful purpose made of the site than having it sit there old, shabby and neglected as it was.”
Naidorf’s credits also include the Beverly Hilton Hotel, the Beverly Center and the Reagan State Office Building downtown. Outside of Los Angeles, Naidorf helmed the restoration of the California State Capitol Building in Sacramento, a six-year undertaking and then the largest-ever restoration undertaken in the U.S., and he designed President Gerald Ford’s house in Rancho Mirage.
The tallest building in Arizona, the Valley National Bank building (now Chase Tower) in Phoenix, also was designed by Naidorf, as well as the Hyatt Regency Dallas and adjacent Reunion Tower, the most recognizable landmark of the city’s skyline.
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He details these and his other high-profile projects in his 2018 book “More Humane: An Architectural Memoir”, filled with photos, backstories and personal anecdotes. Flipping through its pages, one learns that Naidorf not only took risks designing his projects but even risked his job on occasion.
He writes in his memoir that in 1958, when he was designing the Humble Oil (now Exxon) headquarters in Houston, he refused to design separate locker rooms and drinking fountains for Black and white people, as the company asked him to. When he went home on that Friday night, he describes not knowing if he’d have a job the following Monday. Not only did Naidorf not lose his job, he says, but the company ceased segregating its locker rooms and drinking fountains after that.
“I realized architects have access to some of the most powerful people in the world and it is our job to bring up issues that represent social issues rather than just architectural design,” he says. “The only thing for evil to triumph is for good people to remain silent. Architects should not remain silent.”
Naidorf also understood that sometimes he was designing projects where people don’t want to be, like the Naval Medical Center in San Diego, which opened in 1988. “I felt that there were two emotions we had to contend with,” he says. “One was to lay the sense that this would be welcoming and have a more personal quality. But if you go to a hospital you want a quite contradictory thing. You want to have a sense that it’s state-of-the-art, that whatever powerful forces can cure you, they’re there.”
Instead of one medical building, which he felt would seem ominous, he designed several structures and a series of outdoor walkways to make the facility feel warm and comforting. The treatment and diagnostic part of the facility was bold, with an abundance of steel and glass. Walkways were lined with floor-to-ceiling glass to allow patients to see the outdoor courtyard, grass, trees, sky and distant views of a golf course “based on the primitive feeling you have in the hospital, which is to get out of the damn place,” he says.
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When he was out shopping a few months ago, Naidorf met a woman who mentioned that she had been in the Navy, forcing her to move around a lot when her son was battling childhood leukemia. Without knowing she was talking to the Naval Medical Center’s designer himself, she told Naidorf that it was the only hospital that didn’t scare her ill 6-year-old son, who has since made a full recovery.
“What kind of an architect…,” Naidorf says, overcome with emotion and his voice breaking, “do you have to be not to hold that as better than any design award?”
Though Naidorf had risen through Welton Becket & Associates’ ranks to become vice president, director of research and director of design, he grew increasingly unhappy after the firm’s merger with Ellerbe Associates (it was renamed Ellerbe Becket). He moved into academia full-time in 1990, spending just one day a week at the firm.
Naidorf became dean of the School of Architecture and Design at Woodbury University, earning numerous distinctions, including teacher, faculty member and administrator of the year. He was also a guest professor at UCLA, USC, Cal Poly Pomona and SCI-Arc. At his retirement ceremony in 2000, he was awarded an honorary doctorate, marking not only the end of his academic career but also his time in Los Angeles.
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Charmed by the beauty of Northern California, Naidorf moved up the coast to Santa Rosa. For the next 15 years, he continued working with Woodbury University as campus architect, designing and remodeling some of its buildings, and was invited to be a board member.
When he parted ways with Woodbury at 87 years old, it was not with the goal of taking it easy. Naidorf had other pursuits in mind, including his work with City Vision Santa Rosa revitalizing the city’s downtown area.
He also helped his close friend, Mike Harkins (who edited Naidorf’s memoir), design his new house free of charge after the 2017 Tubbs Fire burned Harkins’ home to the ground and he and his wife lost 99% of their belongings.
“Lou offered without solicitation: ‘I’d like to design your house,’” Harkins says. “To me or anyone else who knows him, it was a heartfelt offer that of course he would make, and yet so much more. One analogy might be if Eric Clapton said, ‘I’d like to play at your wedding.’ The knowledge and sensibility that comes along with a Naidorf design offering is huge, just like his heart.”
Most recently, Naidorf has been experimenting with plans for a project to help people who are unhoused.
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Naidorf has made the most of his architecture license over the last 71 years. His voice fills with pride when he reveals that he holds the earliest issued active architecture license in the state of California, obtained in 1952.
“It’s something I wanted to be since I was a little kid. My architecture license was so hard to come by. I don’t want to give it up,” he says with palpable emotion. “I don’t want to be retired. I want to be an architect until I fall over. I plan to be buried as a licensed architect.”
Of recently turning 95, he jokes that he feels like a bad vaudeville performer who soon will be pulled offstage by a hook. But Naidorf remains in remarkably good health after surviving both prostate and esophageal cancer in his 80s.
To keep his brain sharp, he does exercises including counting backward from 100 by sevens and taking IQ tests online.
As a nonagenarian, he says there is no key to living a long life. He suggests, though, that it helps to try to use it well. “It’s not how big the steak is but how tasty it is,” he says. “I think you have to seek a calling, listen for it and search for it. Find something in your life that is really yours. … Get engaged with something that’s going to scare you, something where the problems are hard. And take risks. There is no failure.”
He also notes the importance of adaptability. “I have had four marriages. I’d better be resilient,” he quips. Twice divorced and twice widowed, Naidorf has a daughter from his first marriage, four stepchildren (who call him “Dad”) from his fourth marriage, 11 grandchildren and six great-grandchildren. An intensely private man, he’s reticent to speak publicly about his relationships and family, preferring to focus on his work.
“I remain so fascinated with architecture,” he says. “I cannot even walk past a store where somebody is putting in an electrical outlet without stopping to look in and watch it.”
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The chatty Naidorf turns summarily succinct, saying, “I certainly have had a good run.”
Welcome to Episode 10 of The Kings Table Podcast, a captivating new show hosted by Ashish, Mike, Aaron, and Matt. Join us for an unfiltered, authentic experience as we gather weekly to delve into the raw discussions that drive our lives, businesses, economics, and the world.
Meet the hosts:
1. Mike (The Sage) Ayala is an accomplished investor, speaker, and podcast host, who stands at the helm of Investing for Freedom, guiding busy professionals and entrepreneurs toward the path of genuine liberation and optimal living. 2. Ashish (Hostess with the Most-est) Nathu is a founder and CEO, entrepreneur, real estate investor, triathlete, and host of the Rich Equation Podcast. 3. Matt (Hero of Hospitality) Aitchison is a distinguished real estate investor, captivating speaker, and committed philanthropist. 4. Aaron (The Trend Spotter) Amuchastegui is a seasoned real estate virtuoso with a remarkable track record of over 1,000 house transactions, predominantly acquired through astute foreclosure purchases at courthouse auctions.
Welcome to another engaging episode where we navigate through diverse topics, fostering insightful discussions. We kicked off the episode exploring the ongoing conflict between Israel and Palestine, where we dissect the narratives and delve into the historical context. Transitioning to an entrepreneurial lens, we venture into the realm of innovative financing deals within our individual domains. We provide invaluable guidance to brokers, emphasizing their indispensable role in orchestrating creative financing solutions in the real estate sector. We concluded with a reflection on the significance of your digital reputation as a way of gaining attention and building your brand.
Tune in for a thought-provoking episode that covers an array of intriguing subjects, offering valuable insights and diverse perspectives.
Connect with us!
We eagerly await your feedback about the show! Kindly share your thoughts via text message at this number: (844) 447-1555.
Mike Ayala: Instagram: https://www.instagram.com/themikeayala/ YouTube: https://www.youtube.com/channel/UCoa4pNSAYxBM6nSn2jCrPYA Website: https://investingforfreedom.co/
All of us have done some foolish things when we were just little kids. Most of those are only for fun and are seemingly safe. However, it’s not always the case; some of the things we do as children can have a greater impact on our childhood—or worse, they’re affecting us in still as adults. Here are 12 things people did innocently as children that affected their childhood. Let us know in the comments if you resonate with some of the things listed here!
1. Messenger Bags and Side-Bangs
Do you like wearing messenger bags? Having bangs when you’re a kid?
Well, one Reddit user shared, “I used to wear messenger bags in the 6th grade to be trendy, and wore my bangs to cover my left eye. Now I have borderline severe scoliosis from the weight of the bag being on one side, and my left eye is lazy.”
2. Playing Music Too Loud
One commenter said, “Wear headphones and play the music as loud as my walkman/discman would go. Now I have tinnitus.”
Another one replied, “Oof it’s rough! I have a particular day and time that I know I screwed my hearing up, and I’ve had tinnitus ever since.”
One Redditor added, “It’s literally what happened to me. I always used to get it would last like 30 seconds and go away. It would suck, but I always knew it would stop. And then… one night, I was sleeping, and it woke me up out of my sleep. It never went away. I’ve had it for 8 years now. Some days are bad, and some days I barely notice it. It’s always noticeable when I’m going to sleep. Just gotta learn to live with it, sadly.”
3. Not Brushing Your Teeth
Were you also lazy about brushing your teeth? Well it doesn’t take long for you to start having dental problems.
“Was too lazy to brush my teeth. My parents didn’t seem to notice if I did it or not. I’d probably only do it for like 30 seconds every other day. And only ever once a day. I’m now facing lots of expensive treatment and having to go to private because getting an NHS is nigh on impossible,” one user shared.
“Same. Spent over £3k sorting my teeth in my 20’s, from years of neglect. 12 fillings, two root canals and 3 years of braces. Decent enough teeth now thankfully, but could have [saved] much pain if I’d [brushed] and [gone to the dentist],” someone replied.
4. Lying on One Side Too Much
One Reddit user shared, “I used to use my laptop lying down on one side with my arm propping up my head, for hours and hours. I have permanent back alignment issues.”
Another user replied, “I still do this when I’m tired, and it always ends up with a first rib subluxation. I’m used to doing it, though, it’s a tough habit to break.”
Another one added, “I have always leaned on my right side, and now I have tendinitis in my rotator cuff, and I’m only reminded not to lean if it starts hurting shortly after I start leaning that way.”
5. Finding Safe Places
Some of us have had a terrible childhood, and sadly, most of those memories and defense mechanisms we’ve come to use as children will still greatly affect us in adulthood.
One person stated, “Hide in small spaces to get away from my abusive parents. Now whenever I’m panicking, I try to look for small spaces to hide in and will panic more if I can’t find one.”
The second person replied, “The feeling of despair I get when I realize there’s nowhere for me to hide is terrible. It’s like being stuck in the middle of the ocean. I’m sorry you experienced the same thing.”
6. Being Antisocial
While you may have enjoyed your own company as a child by playing video games all day, it may ultimately significantly impact your adulthood.
One Redditor stated, “Being an introvert and staying home playing video games all the time, now that I’m 28 don’t have any friends, the loneliness is getting worse.”
Another one replied, “Oof I feel this. I never really learned how to be social and make lasting friends. At least I found a husband who also avoided everyone and played video games lol.”
One commenter said, “I kinda feel this, but I don’t regret the gaming. It was fun. And I still made lots of friends when I went to college, who I still hang out and play games with. Maybe I’m just lucky, but you might find some luck too if you manage to find people who share your interests.”
7. Wearing Bad Shoes
“Wore nothing but chucks and flats from age 12 to my late twenties and now my feet are messed up,” someone shared.
“Really? How is that harmful?” another user asked.
“No arch support,” someone replied.
A fourth commenter added, “No. Humans were never made to need arch support. Muscles in the foot should be strengthened by use (barefoot walking). Now we need arch supports because we smash our feet so dang narrow and reshape the foot with modern footwear our feet are literally deformed. Hence the need for supports, cushioning, toe spring, shoes with heel drop, etc.”
8. Not Showing Emotions
One person shared, “Hid my emotions because I was trying to be ‘manly.’ Now I have psychological issues from trying to be someone other than myself, not to mention high blood pressure, back and neck pain, hair loss, and a number of other ailments.”
Then the second person replied, “I’m sad that the older generations were taught that men shouldn’t ‘have emotions’, I’m glad it’s being realized that everyone has emotions, we’re not robots after all! I hope you find peace.”
9. Eating Your Feelings
Do you binge eat when things get too complicated and too much to handle? While it can help you a bit when dealing with stress, it actually does more harm than good.
“I have a weird relationship with food from binge eating so much and my dad basically getting us McDonald’s on the daily. I’m not overweight, but I’m definitely unhealthy and steadily gaining more weight than I’m comfortable with. Cooking somewhat healthy meals at home is easy for a week, then I fall back into my old ways.”
“Put a stop to it now seriously i was raised on McDonald’s and Burger King. I’m 32 and literally… I’m the fattest I’ve ever been. Just got a trainer, and his reaction to my soda intake was an eye opener,” someone replied.
10. Staring at the Sun
Do you remember staring at the sun when you were a kid? Well, you’re not the only one.
“I don’t know why, but I stared at the sun wearing 3d glasses for a minute or two. Now, when I close my left eye, the white walls are very slightly reddish. When I close my right eye, the white walls are very slightly bluish. Definitely damaged some cones in my eyes,” shared one person.
11. Bullying Others
One person stated, “I was a bully. A horrible bully. And I live with shame every day of my life because of it.”
The second person replied, “You can’t undo your past, but you can work on doing some ‘good’—help the underprivileged, something for the environment, kids, animals… Lots of ways to give back to society and feel better. Make it happen!”
A third commenter added, “Think of it this way: the fact that you feel bad about it now means that you have grown as a person. You know how bad you were before and have the knowledge of how to be good now. A lot of people don’t come to this realization in their whole lives, so you did something special.”
Do you have similar experiences you’d like to share? Let us know in the comments.
Source: Reddit.
These are 10 Things That Completely Destroyed The Love in a Relationship
There’s no question that relationships can be confusing, but here are some of the top things to avoid if you want to keep your relationship healthy!
10 Actors and Actresses People Refuse to Watch Ever Again
We all have a favorite actor or actress, but most of us have a least-favorite as well. Check out this list of actors and actresses people never want to see performing again!
Top 10 Worst Human Inventions of All Time
Some inventions are world-changing, and some of them, well, they change the world in the wrong ways. Here are some of the worst inventions Redditors could think of.
10 Famous Celebrities Who Look Like They Smell Terrible
We’ve all had moments of hygiene faux pas—but these celebrities just look like they don’t take care of themselves at all.
10 Terrible Fads People Are Glad Died Out
Every fad has its time in the limelight, but some of them come and go faster than others; and some just need to die out right away. Check out this list of fads of which people were happy to see the last.
Not only are SUVs spacious, but many are also family vehicles, so they come with high-end safety features. These features make some SUVs cheaper to insure than other popular vehicles on the market. The Subaru Outback takes the top spot on this list, and it’s also rated one of the safest midsize vehicles by the Insurance Institute for Highway Safety.
SUV
Average Annual Premium
Subaru Outback
$1,603
Honda CR-V
$1,635
Honda Pilot
$1,726
Ford Escape
$1,734
Honda Odyssey
$1,735
What Factors Make a Vehicle Expensive to Insure?
The primary factor that makes a vehicle more expensive to insure than another is the risk. Insurance companies calculate the risk for different vehicles based on how many claims people file for those vehicles, plus the cost of the repairs. While this data can’t predict the likelihood of someone getting into an accident, the data gives insurers a rough idea.
Insurance providers look at how much a vehicle costs to repair and the likelihood of the vehicle being in an accident. For example, insurance rates are higher for sports cars because people who buy sports cars are more likely to speed and drive recklessly, based on the data.
Some of the most common factors that make vehicles more expensive to insure include:
Vehicle age: An older vehicle may not have the newest safety features, but premiums may be lower on some older vehicles if the average repairs cost less.
Vehicle value: When cars are more expensive, they’re often more expensive to insure as well.
Cost of parts: Some vehicles have more expensive and specialty parts, which cost more to replace if the vehicle is in an accident. Various trim features in a vehicle can also raise the price of premiums.
Safety rating: Many insurance policies also cover physical injuries to you or another driver, which is why safety ratings play a major role in determining the cost of insurance.
Size: Although a larger vehicle may be safer, it can also cause more damage if it’s involved in an accident.
Most Expensive Cars to Insure
If you’re thinking about purchasing a new or used vehicle, it’s helpful to know which types of vehicles typically have the highest rates. They include:
Sports cars
High-end luxury vehicles
Electric vehicles
Cars that attract thieves
These vehicles are more expensive than others primarily due to the overall cost of repairs. For example, while electric vehicles may save you money on fuel, the cost of the battery can range from $4,000 to $20,000. There are also certain vehicles that thieves commonly target. A recent article from MoneyGeek[1] listed the following as the top 10 most stolen vehicles in America:
Chevrolet trucks
Ford trucks
Honda Civic
Honda Accord
Toyota Camry
GMC trucks
Nissan Altima
Honda CR-V
Jeep Cherokee and Grand Cherokee
Toyota Corolla
5 Tips to Get Cheaper Car Insurance
Whether you want cheap insurance for your new vehicle or to lower the rate for your current vehicle, these five tips may help.
Be a good driver. This sounds obvious, but it’s a must. When you’re a good driver, you save money on insurance. This means avoiding car accidents, DUIs, and other major violations.
Consider the insurance cost when buying a new vehicle. A vehicle’s make and model alone can make car insurance more expensive. Remember this when you’re buying a new vehicle, because not only will you have monthly car payments when financing a car, but you’ll also have insurance premiums.
Shop around. Like many other expenses and purchases, it’s a good idea to get multiple quotes before settling on an insurance company.
Look for discounts. Some insurance providers offer discounts, so be sure to ask. You may also receive discounts for bundling your auto and home insurance through one provider.
Improve your credit score. Your credit score may impact your car insurance rate, so make sure you watch for derogatory marks on your credit report that can lower your score.
FAQ
Here, we go over some of the most common questions people have about car insurance rates.
What Type of Car is the Least Expensive to Insure?
Subaru holds the top two spots for the cheapest cars to insure: the Subaru Outback and the Subaru Crosstrek.
Why Are Some Cars Cheaper to Insure?
Some cars are cheaper to insure because they’re cheaper to repair, have better safety features, and are a low-risk for insurance providers based on their data.
Is Insurance Cheaper for Older Cars?
Insurance for older cars is not necessarily cheaper than newer cars. If an older vehicle is more expensive to repair or has poor safety features, it may have higher rates. on the other hand, older vehicles that meet current safety standards and are inexpensive to repair may have lower rates than some newer vehicles.
What’s the Most Expensive Car to Insure?
Out of the top 25 most popular vehicles in the United States, the Tesla Model Y is the most expensive car to insure, and the Tesla Model 3 is the second most expensive.
How Your Credit Score Affects Your Car Insurance Rate
Many people don’t realize that not only does your credit score affect the cost of your vehicle, but it can also affect your insurance rates. If you have derogatory marks on your credit report from late payments, missed payments, or collections, you may face higher insurance premiums.
Before you shop for auto insurance, it’s helpful to know your credit score. You can receive a free credit report card at Credit.com, and our ExtraCredit® subscription offers even more credit management tools.
Methodology
Data was sourced from Quadrant Information Services and provided to NerdWallet[1] and Bankrate[2] . Both studies analyze data from ZIP codes throughout all 50 states and Washington, D.C., and are weighted based on geographic region and population.
NerdWallet’s research used data from Kelley Blue Book for the top 25 best-selling models, along with rates from different ZIP codes in the United States. NerdWallet based its data on both male and female drivers 35 years old with good credit and clean driving records using the following coverage limits:
$100,000 bodily injury liability coverage per person
$300,000 bodily injury liability coverage per crash
$100,000 property damage liability coverage per crash
$100,000 uninsured motorist bodily injury coverage per person
$300,000 uninsured motorist bodily injury coverage per crash
Collision coverage with $1,000 deductible
Comprehensive coverage with $1,000 deductible
The Bankrate study analyzed rates for a 40-year-old female and male who have clean driving records and good credit. Rates are for full coverage and are based on the following limits for a 2021 Toyota Camry that drives five days per week and roughly 12,000 miles per year:
$100,000 bodily injury liability per person
$300,000 bodily injury liability per accident
$50,000 property damage liability per accident
$100,000 uninsured motorist bodily injury per person
$300,000 uninsured motorist bodily injury per accident