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Apache is functioning normally

June 9, 2023 by Brett Tams

Get yourself a place in the nation’s capital with the perfect outdoor spot.

There are so many great things to see in Washington, D.C., from the majesty of the monuments to the unique architecture of the everyday buildings, D.C. is filled with opportunities to soak up the sun and enjoy the great outdoors.

To ensure your search for a Washington, D.C. apartment delivers the best results, make sure you check out any and all outdoor spaces before signing your lease. A quality on-site garden or courtyard can take your time in D.C. to the next level and truly make your apartment feel like home.

To help you feel inspired, the 10 amazing apartments featured below have been hand-selected as having some of the best courtyards and gardens in the D.C. area. Find your favorite and fill out an application today.

Fresh herbs in an on-site garden at Gables Dupont Circle

Source: Rent. / Gables Dupont Circle

While the full outdoor space at Gables Dupont Circle is big and beautiful, this little garden-esque spot is a real hidden treasure. Fresh herbs creep up the stone flower bed, while other greenery surrounds the space. Nearby seating, under stringed lighting, gives this space a special ambiance as well.

Set in the quieter Northwest Washington neighborhood, this area boasts spectacular views while also being super walkable. It’s just steps away from great galleries and museums as well as some of the city’s best restaurants, delis, cafes and coffee shops. To keep that outdoor vibe going, there’s no shortage of parks nearby either.

Classically beautiful courtyard at The Lansburgh in Washington DC

Source: Rent. / The Lansburgh

An absolutely stunning courtyard awaits at The Lansburgh. This space has everything, including an eagle statue. Vibrant greenery rings the multi-tiered space with a combination of trees and bushes. At the far end, a decorative pergola also offers some shade. You’ll find a lovely fountain and plenty of seating throughout this amazing area as well.

Living within walking distance of four Metro stations makes it easy to access all D.C. has to offer from this central location. Within the Downtown – Penn Quarter – Chinatown neighborhood itself, you’re also close to just about everything, from entertainment to restaurants to historic monuments.

Outdoor ping pong at Ava NoMa in DC

Source: Rent. / AVA NoMa

The courtyard is a busy place at AVA NoMa, but each section has its own special flair. For those who love outdoor games, this area features two ping-pong tables. For those who want to chill, there’s also a nice outdoor lounge with a fire pit. There’s even a small dog park for you and your furry friend to check out. Modern, metallic touches mix with hardscaping and slender trees to create a nice look and good vibes.

Providing you with easy access to downtown, finding a home in H Street-NoMa must mean food is on your mind. This is thanks to the neighborhood’s Union Market, which is within walking distance from AVA NoMA. Here, over 40 local vendors show off their culinary creativity to satisfy any palate.

Capitol View on 14th zen fountain

Source: Rent. / Capitol View on 14th

Even if it’s not huge, most people can use a Zen garden in their lives, especially one with a trickling fountain. At Capitol View on 14th, this little pocket of relaxation comes with shaped greenery, nice seating and a multi-tiered fountain trickling down into a tranquil pool. The sound will instantly relax you and let you transition from your busy day to a chill evening.

The rest of the amenities in this Northwest Washington community don’t disappoint either. First, there are the views. You can see the Capitol building as well as other monuments from the rooftop, which is also where you’ll find the pool. There’s a great open-air kitchen up there as well and a year-round fireplace. Between these two areas, it may be hard to find a reason to come inside when the weather is nice.

Yellow umbrellas in the green courtyard at Camden South Capitol

Source: Rent. / Camden South Capitol

Bright yellow umbrellas add a happy pop of color to the courtyard at Camden South Capitol. They also ensure you’ll always have a shady spot to hang out in if you need it. Underneath one umbrella is a great lounge space with ample seating. The other shades the outdoor dining area, should you want to dine al fresco. This partially grassy area is also nicely landscaped.

For sports fans, living in Southwest – Waterfront has the added benefit of keeping you close to the action. You can easily head to Nationals Park for some baseball and Audi Field for some soccer. If you’re already out and exploring, make sure you head down to the waterfront for some excellent views of the Potomac River as well.

Aerial view of the lush courtyard at Camden Noma in D.C.

Source: Rent. / Camden Noma

Looking down onto the courtyard at Camden Noma is the best way to see just how impressive it really is. Altogether, this is a huge space, with sectioned-off areas for chilling, playing, food prepping and relaxing. A close-clipped lawn meets bushy patches of robust trees to create an inviting space whether you’re playing table tennis or grabbing a lounge chair to curl up with a good book.

You’ll find Camden Noma in the H Street – NoMa neighborhood. It’s a stress-free, luxurious community that uses modern elements to help residents feel right at home. Living here puts you near the highway, a number of parks, shops and so much more, making it an ideal spot for young professionals.

Funky chairs in the garden at The Flats at Dupont Circle

Source: Rent. / The Flats at Dupont Circle

With green space and a brick walkway both contained in the courtyard, The Flats at Dupont Circle has ideal hangout areas for everyone. For those who want to grab a lounge chair or slide into a hammock, stick to the manicured green space. For friends who want to gather and socialize, grab a cushy seat on the fringes. This is also where you’ll find the grill and outdoor eating space.

Another Northwest Washington community, living here means the luxury extends far beyond the courtyard to include an outdoor pool with sundeck and a state-of-the-art fitness center. There are even personal TV’s at each exercise machine and a separate pilates/yoga studio. The clubroom takes the fun from the courtyard indoors with its TV and kitchen to keep things popping.

Sprawling on-site garden at Waterside Towers in Washington D.C.

Source: Rent. / Waterside Towers

For the perfect garden to walk through, make a date to explore Waterside Towers. The winding green space is full of grassy spots and excellent landscaping. Trees, bushes and small plants come together to make this whole space pop, giving you an outlet for a relaxing stroll whenever you need it. Benches throughout give you the opportunity to sit and absorb the natural beauty all around as well.

This Southwest-Waterfront community also has an impressive pond right nearby, complete with sprouting fountains, mature, bushy trees and an easy path to walk on. Living here also puts you close to all the waterfront fun beside the Potomac River where there are great restaurants and shopping right at The Wharf.

Fire pit under string lights at the Ava H Street courtyard

Source: Rent. / AVA H Street

A roaring fire draws the eye into the courtyard at AVA H Street. Covered to keep the flames contained, this funky and modern fire pit will keep anyone warm on a cold D.C. night. Part of the area’s lounge space, the courtyard is also where you’ll find a dual grilling station with a built-in bar and eating space. Additional groupings of seats enable a variety of large groups to gather here and enjoy themselves simultaneously.

A busy area, full of great bars and cool places to eat, Near Northeast is a neighborhood that combines culture and history with lots of shopping and fun. Living here, you’re close to the Smithsonian’s National Postal Museum, the Atlas Performing Arts Center and plenty of shopping. It’s also worthwhile to swing by the famous fountain in Columbus Circle for a photo op.

Alban Towers courtyard on a sunny day

Source: Rent. / Alban Towers

A classic building with access to a wonderful green space, living at Alban Towers mixes old and new together in just the right way. The park-like garden features a rectangular strip of grass surrounded by a pebbled hardscape. Mature and lush trees line up around the edges to create a calming and isolated space for a little meditation. Additional landscaping keeps the area green and happy.

Keeping with the green theme of moving out into the Northwest Washington neighborhood, this community is close to Rock Creek Park. Another great outdoor space to explore, this 1,7540-acre city park provides a peaceful refuge as well with more beautiful trees, recreational activities and even a little wildlife. You’ll also find varying historical remnants from Civil War fortifications to colonial houses.

Grab an apartment with one of the best gardens in D.C.

There are so many special facts locals know to be true about Washington, D.C., one of which is knowing how to pick the right place to live. You need the right combination of amenities and location, and that should always include a usable outdoor space. No matter where you live in Washington, D.C., you can count on a sweet courtyard or garden if you pick an apartment from this list.

Featured Image Source: Rent. / The Flats at Dupont Circle

Source: rent.com

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Apache is functioning normally

June 9, 2023 by Brett Tams

FOMO, or, “fear of missing out” when trading, applies to the anxiety of potentially passing up a profitable investment that an investor may experience. “FOMO” is a term commonly used to describe other anxiety-inducing situations as well. For investors who visualize a scenario where a stock rises sharply in value but goes unpurchased, the fear of missing out may cause them to make investing decisions that aren’t fully thought-through or in line with their investing strategy.

Making emotional, knee-jerk decisions when investing can derail your overall strategy, too. That’s why it can be important to try and avoid it the best you can.

What Is FOMO Trading?

FOMO trading happens when an investor allows their fear of missing out to drive their investing decisions — to the exclusion of other insights and instincts. This can trigger errors, creating problems in an otherwise well-managed investment portfolio.

For example, an impatient trader may rush to buy a hot stock even if it doesn’t fit into their investment strategy, or if the stock risks could jeopardize the portfolio’s stability.

Yet, buying any investment without proper research, risk assessment, or a planned exit strategy if the stock goes down, is the opposite of effective stock market investing.

Understanding Behavioral Finance

Sociologists use the term “behavioral finance” to describe the overall need to abandon rational thought and follow a herd to mitigate any FOMO anxieties. With behavioral finance, emotional and sociological influences replace scrutiny and logical thinking, which can significantly alter investment outcomes.

The fact that so many stock market rumors are stoked on social media, and that there are so many investors who rely on social media for investment ideas, only adds more pressure to give in to your anxieties, and buy a stock or other investment that may not necessarily fit in with your investing strategy.

Ways to Avoid FOMO Trading

How can an investor fight off FOMO tendencies and remain a stable and steadfast investor? It’s not easy given the pressure to trade frequently these days, but these tips may help.

Invest With a Plan in Mind

Investors who trade according to a well-thought out plan or investing strategy — and not with a FOMO mindset — are likely to be more prepared for better investment outcomes. By doing research, learning how to value a stock, and establishing your own tolerance for risk, you may be less likely to make rash or emotional decisions regarding your investments.

Stay Calm in Highly Volatile Markets

Many impulse trades come at a time when markets move fast. When investing in a volatile market, it’s especially important to trade with strategy in mind, rather than with your feelings.

Be Sensible About Trading

A single stock market trade rarely makes or breaks an investment portfolio. If you do hear about a can’t-miss stock and are anxious to pull the trigger and buy that stock, it can help to keep it in perspective: there’s always another market opportunity down the road. In other words, keep the big picture in mind.

Avoid Investing Money You Can’t Afford to Lose

The old adage of “never play with money you can’t afford to lose” is very much in play with FOMO investing. It’s never wise to chase a stock with large amounts of money your portfolio can’t afford to be without. In nearly all cases, if an investment’s risk is too high, and the potential impact to your portfolio is too acute, then it may be best to wait things out.

Don’t Mistake Social Media Advice For a Sound Investment Strategy

Social media captures a great deal of attention from market investors. But these platforms may be loaded with touts, short-sellers, penny stock promoters, and other investment shills who have their best interest in mind — not yours. As a rule, social media touts always talk up their gains but rarely mention their losses. Remember that maxim when you’re under the temptation of a FOMO trade.

The Takeaway

FOMO trading is a type of behavioral finance — in which an investor lets emotions like the fear of missing out replace logical, strategic thinking. FOMO trading often happens on a whim without much thought, which can significantly impact investment outcomes.That’s why it’s important to have a cogent strategy in place, and to keep your goals in mind when making investing decisions.

While it can be difficult to completely remove your emotions from your investing activities, keeping your strategy top of mind can help direct your decision-making process. Again: It’s not easy, but with some practice and experience in the markets, learning to skip investing trends might become a bit easier.

Ready to invest in your goals? It’s easy to get started when you open an Active Invest account with SoFi Invest. You can invest in stocks, exchange-traded funds (ETFs), and more. SoFi doesn’t charge commissions, but other fees apply (full fee disclosure here).

For a limited time, opening and funding an account gives you the opportunity to win up to $1,000 in the stock of your choice.


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Apache is functioning normally

June 8, 2023 by Brett Tams

Good times happen in small spaces.

Have you rearranged your furniture countless times in an attempt to create a comfortable and inviting living room in a small space? The good news is that, with a bit of ingenuity, you can enjoy the living room of your dreams regardless of size. From bright and eclectic to minimalist and warm, you can incorporate many of today’s design trends into a small living room using our collection of small living room ideas.

The most important aspect of creating a space you love is ensuring it aligns with your vision and lifestyle. As Billy Baldwin, an icon in interior design, said, “Be faithful to your own taste because nothing you really like is ever out of style.”

Whether using decor tricks to create the illusion of a larger room or designing a cozy space for relaxation and entertainment, these apartment small living room ideas can take you there.

Let’s explore the many ways to make your small space shine!

1. Furniture to fill your space

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While it may seem contrary, integrating larger furniture, such as a sectional, can make the room appear more expansive. The key is choosing a color that blends in with the walls and opting for low-level, armless pieces. Another innovative option is selecting a couch with raised legs, creating a sense of space.

From there, carefully consider each piece of furniture, enhancing negative space while ensuring a living room designed for your lifestyle. Do you need a side table? Would nesting tables work as coffee tables and double as side tables when friends are over? Placing furniture in a close, conversational layout creates a cozy atmosphere for entertaining.

2. Cleverly placed mirrors

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The strategic use of mirrors is one of the best techniques for making rooms look bigger. Placing a large, beautiful mirror opposite windows brings in more natural light and brightens the entire room. Unless you’re going for a vintage look, simpler frames are generally a better choice when creating a sense of spaciousness.

You can also add dimension and atmosphere by placing a mirror close to a light source, like a table lamp or candle. Even mirrored furniture, such as a side table, reflects light, contributing to the illusion of more space. You can also go big with mirror panels. According to Architectural Digest, mirrored walls are in, yet again.

3. Color to the rescue

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Image Source: Rent. / Bahama Bay

You’ve probably heard that painting walls white creates the illusion of a bigger room. Any lighter color, however, such as soft neutrals and pastels, can have the same effect. You can even go bold if you stick to a limited palette.

From natural wood tones to deep greens or blues, rich hues offer a cozy, enveloping feeling, and complementary shades provide a cohesive look that can make a room look bigger.

If your rental agreement doesn’t allow painting, you can still add bursts of color with pillows, throws and artwork. One large painting creates a focal point, drawing the eyes upward while adding intrigue and contrast. Add a sizeable color-coordinated area rug big enough for all your furnishings to sit on, and you have the anchor that ties the room together. Need some inspiration? Check out these popular paint colors and decorating styles that range from art deco to bohemian and Japandi.

4. Lightweight window coverings

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Floor-to-ceiling window coverings add height and dimension but can make a room look smaller when made of heavy material. On the other hand, sheer fabrics provide a light and airy feeling while letting natural light infuse the room.

5. Layers of light

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While layered lighting is important in every room, this approach is particularly critical in small spaces. It combines ambient, task and accent lighting, drawing your attention to specific features while creating depth and intrigue.

Consider wall sconces, hanging pendant lights and strategically placed lamps. LED strips under shelving provide light from an unseen source, setting the mood by changing colors with one touch of a button.

6. Go vertical

Are you having trouble finding space for your bookcase and much-loved artwork? Consider a shelf at a height you can just reach that encircles the room.

This shelf can appear to float when painted the same color as the walls. Deliberately placed books, plants and artwork offer texture and functionality while drawing the eyes upward and making the room appear larger.

7. Purposeful living

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A small living room gives you the opportunity to embrace purposeful living. One way to achieve this is ensuring large pieces provide multi-functionality. An ottoman can double as a coffee table, hidden storage space and a footrest. A bench may offer storage for blankets. There are even bookcases with fold-down tables you can use as a desk.

8. Pay attention to the corners

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Image Source: Rent. / The Link

Adding houseplants, a beautiful lamp or strategic shelving to a few corners brings attention to every area, making your living room seem bigger. Not only do plants enhance your living space, but several studies show they also improve air quality, boost productivity and even reduce stress.

Some good options for darker corners include peace lilies, Boston ferns, philodendrons and spider plants. With indirect light, lush parlor palms and monstera plants can fill a corner.

9. Clutter-free

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Marie Kondo, developer of the KonMari Method for decluttering and star of two Netflix series, suggests that “Life truly begins only after you have put your house in order.” Tidying also creates a minimalist, clutter-free zone that does wonders for increasing a sense of space. Consider a few baskets or decorative boxes to hide remotes and other random items.

10. Bring the outdoors in

small living room ideas

Image Source: Apartment Guide / MAA Gardens

Natural light offers many gifts, including reduced energy usage and improved sleep. It also makes a space feel more expansive and filled with life. Installing a curtain pole extending past the windows allows you to draw curtains fully back, revealing more light and making your windows appear wider.

11. A space for book lovers

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Creating a cozy reading nook is often a top priority for book lovers. Fortunately, a window seat or corner chair with a soft blanket and throw pillows is often all it takes. Add a wall sconce or pendant light that saves space, and enjoy.

Are you ready to create a comfortable, more spacious living room where you relax with friends and family? Use these design tips to steer you in the right direction.

Still looking for your own cozy space to decorate? Start here.

Source: rent.com

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Apache is functioning normally

June 8, 2023 by Brett Tams

The dividend payout ratio is the ratio of total dividends paid to shareholders relative to the net income of the company. Investors can use the dividend payout formula to gauge what fraction of a company’s net income they could receive in the form of dividends.

While a company will want to retain some earnings to reinvest or pay down debt, the extra profit may be paid out to investors as dividends. As such, investors will want a way to calculate what they can expect if they’re a shareholder.

Understanding Dividends and How They Work

Before calculating potential dividends, investors will want to familiarize themselves with what dividends are, exactly.

A dividend is when a company periodically gives its shareholders a payment in cash, or additional shares of stock, or property. The size of that dividend payment depends on the company’s dividend yield and how many shares you own.

Many investors look to buy stock in companies that pay them as a way to generate regular income in addition to stock price appreciation. A dividend investing strategy is one way many investors look to make money from stocks and build wealth.

Investors can take their dividend payments in cash or reinvest them into their stock holdings. Not all companies pay dividends, and those that do tend to be large, established companies with predictable profits — blue chip stocks, for example. If an investor owns a stock or fund that pays dividends, they can expect a regular payment from that company — typically, each quarter. Some companies may pay dividends more frequently.

Pros and Cons of Investing in Dividend Stocks

Since dividend income can help augment investing returns, investing in dividend stocks — or, stocks that tend to pay higher than average dividends — is popular among some investors. But engaging in a strategy of purchasing dividend stocks has its pros and cons.

As for the advantages, the most obvious is that investors will receive dividend payments and see bigger potential returns from their holdings. Those dividends, in addition to stock appreciation, allow for two potential ways to generate returns. Another benefit is that investors can set up their dividends to automatically reinvest, meaning that they’re holdings grow with no extra effort.

Potential drawbacks, however, are that dividend stocks may generate a higher tax burden, depending on the specific stocks. You’ll need to look more closely at whether your dividends are “ordinary” or “qualified,” and dig a little deeper into qualified dividend tax rates to get a better idea of what you might end up owing.

Also, stocks that pay higher dividends often don’t see as much appreciation as some other growth stocks — but investors do reap the benefit of a steady, if small, payout.

What Is the Dividend Payout Ratio?

The dividend payout ratio expresses the percentage of income that a company pays to shareholders. Ratios vary widely by company. Some may pay out all of their net income, while others may hang on to a portion to reinvest in the company or pay off debt.

Generally speaking, a healthy range for payout ratios is from 35% to 55%. There are certain circumstances in which a lower ratio might make sense for a company. For example, a relatively young company that plans to expand might reinvest a larger portion of its profits into growth.

How to Calculate a Dividend Payout

Calculating your potential dividend payout is fairly simple: It requires that you know the dividend payout ratio formula, and simply plug in some numbers.

Dividend Payout Ratio Formula

The simplest dividend payout ratio formula divides the total annual dividends by net income, or earnings, from the same period. The equation looks like this:

Dividend payout ratio = Dividends paid / Net income

Again, figuring out the payout ratio is only a matter of doing some plug-and-play with the appropriate figures.

Dividend Payout Ratio Calculation Example

Here’s an example of how to calculate dividend payout using the dividend payout ratio.

If a company reported net income of $120 million and paid out a total of $50 million in dividends, the dividend payout ratio would be $50 million/$120 million, or about 42%. That means that the company retained about 58% of its profits.

Or, to plug those numbers into the formula, it would look like this:

~42% = 50,000,000 / 120,000,000

An alternative dividend payout ratio calculation uses dividends per share and earnings per share as variables:

Dividend payout ratio = Dividends per share / Earnings per share

A third formula uses retention ratio, which tells us how much of a company’s profits are being retained for reinvestment, rather than paid out in dividends.

Dividend payout ratio = 1 – Retention ratio

You can determine the retention ratio with the following formula:

Retention ratio = (Net income – Dividends paid) / Net income

You can find figures including total dividends paid and a company’s net income in a company’s financial statements, such as its earnings report or annual report.

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Why Does the Dividend Payout Ratio Matter?

Dividend stocks often play an important part in individuals’ investment strategies. As noted, dividends are one of the primary ways stock holdings earn money — investors also earn money on stocks by selling holdings that have appreciated in value.

Investors may choose to automatically reinvest the dividends they do earn, increasing the size of their holdings, and therefore, potentially earning even more dividends over time. This can often be done through a dividend reinvestment plan.

But it’s important to be able to know what the ratio results are telling you so that you can make wise decisions related to your investments.

Interpreting Dividend Payout Ratio Results

Learning how to calculate dividend payout and use the payout ratio is one thing. But what does it all mean? What is it telling you?

On a basic level, the dividend payout ratio can help investors gain insight into the health of dividend stocks. For instance, a higher ratio indicates that a company is paying out more of its profits in dividends, and this may be a sign that it is established, or not necessarily looking to expand in the near future. It may also indicate that a company isn’t investing enough in its own growth.

Lower ratios may mean a company is retaining a higher percentage of its earnings to expand its operations or fund research and development, for example. These stocks may still be a good bet, since these activities may help drive up share price or lead to large dividends in the future.

Dividend Sustainability

Paying attention to trends in dividend payout ratios can help you determine a dividend’s sustainability — or, the likelihood a company will continue to pay dividends of a certain size in the future. For example, a steadily rising dividend payout ratio could indicate that a company is on a stable path, while a sudden jump to a higher payout ratio might be harder for a company to sustain.

That’s knowledge that may be put to use when trying to manage your portfolio.

It’s also worth noting that there can be dividend payout ratios that are more than 100%. That means the company is paying out more money in dividends than it is earning — something no company can do for very long. While they may ride out a bad year, they may also have to lower their dividends, or suspend them entirely, if this trend continues.

Dividend Payout Ratio vs Dividend Yield

The dividend yield is the ratio of a stock’s dividend per share to the stock’s current price:

Dividend yield = Annual dividend per share/Current stock price

As an example, if a stock costs $100 and pays an annual dividend of $7 the dividend yield will be $7/$100, or 7%.

Like the dividend payout ratio, dividend yield is a metric investors can use when comparing stocks to understand the health of a company. For example, high dividend yields might be a result of a quickly dropping share price, which may indicate that a stock is in trouble. Dividend yield can also help investors understand whether a stock is valued well and whether it will meet the investor’s income needs or fit with their overall investing strategy.

Dividend Payout Ratio vs Retention Ratio

As discussed, the retention ratio tells investors how much of a company’s profits are being retained to be reinvested, rather than used to pay investors dividends. The formula looks like this:

Retention ratio = (Net income – Dividends paid) / Net income

If we use the same numbers from our initial example, the formula would look like this:

~58% = (120,000,000 – 50,000,000) / 120,000,000

This can be used much in the same way that the dividend payout ratio can, as it calculates the other side of the equation — how much a company is retaining, rather than paying out. In other words, if you can find one, you can easily find the other.

The Takeaway

The dividend payout ratio is a calculation that tells investors how much a company pays out in dividends to investors. Since dividend stocks can be an important component of an investment strategy, this can be useful information to investors who are trying to fine-tune their strategies, especially since different types of dividends have different tax implications.

In addition, the dividend payout ratio can help investors evaluate stocks that pay dividends, often providing clues about company health and long-term sustainability. It’s different from other ratios, like the retention ratio or the dividend yield.

Ready to invest in your goals? It’s easy to get started when you open an Active Invest account with SoFi Invest. You can invest in stocks, exchange-traded funds (ETFs), and more. SoFi doesn’t charge commissions, but other fees apply (full fee disclosure here).

For a limited time, opening and funding an account gives you the opportunity to win up to $1,000 in the stock of your choice.

FAQ

How do you calculate your dividend payment?

To calculate your exact dividend payment, you’d need to know how many shares you own, a company’s net income, and the number of total outstanding shares. From there, you can calculate dividend per share, and multiply it by the number of shares you own.

Are dividends taxed?

Yes, dividends are taxed, as the IRS considers them a form of income. There may be some slight differences in how they’re taxed, but even if you reinvest your dividend income back into a company, you’ll still generate a tax liability by receiving dividend income.


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Apache is functioning normally

June 8, 2023 by Brett Tams

Want to find some of the best places to work out in Philly? Look no further than your own apartment home.

A slightly more expensive city on average, living in Philadelphia means having all the fun and convenience at your fingertips. What will be important for you to get to do if you decide to move here? Is it all about drinks with friends on the weekends, making nice dinners at home or something else?

You don’t want to have to sacrifice any of those bonus activities you love, which means you want to make your workout reasonable. The best way to do this? Find a Philadelphia apartment that has a gym already. You’ll work out for free.

Where are the best gyms in Philadelphia you ask? We know. Here are some of our favorites.

one of the best apartment gyms in philadelphia

Source: Rent. / The Alexander

Two-story ceilings and paneled windows that reach all the way to the top bring so much light into the fitness center at The Alexander. Pops of yellow and great city views make this state-of-the-art gym attractive. You’ll find cardio machines, strength equipment and free weights along with an indoor lap pool. The Alexander also has tennis courts.

The Alexander is in Logan Square, a northwest neighborhood full of culture. Though Logan Square is a quieter community, you’re still close to all the action of Philadelphia living here.

one of the best apartment gyms in philadelphia

Source: Rent. / Piazza Alta

Situated in the middle of the charming and quirky neighborhood of Northern Liberties, Piazza Alta has a massive, multi-room gym. The space is bright and sleek, with floor-to-ceiling windows and cardio and strength equipment nicely spaced out. The fitness center at Piazza Alta also has a yoga studio and boxing trainer/CrossFit box set up.

Close to bars, restaurants and boutiques, this non-smoking, green community also features a palazzo, pool and hot tub, as well as a recreation room and playground.

one of the best apartment gyms in philadelphia

Source: Rent. / The Franklin Residences

On-site retail shops, resident events and a clean and spacious fitness center are just some of the amenities at The Franklin Residences. Open 24 hours, the gym is bright, with an entire wall of mirrors on one side and a black-and-white mural on the other. You’ve access to free weights, cardio machines and strength equipment.

Within the vibrant performing arts neighborhood of Avenue of the Arts South, The Franklin Residences are right in the heart of Philadelphia.

one of the best apartment gyms in philadelphia

Source: Rent. / The Left Bank

With a nice collection of strength equipment and multiple rows of cardio machines, the gym at The Left Bank has it all. You’ll even find a separate fitness studio and a fitness lounge. Other amenities include a rooftop deck, a game room with billiards, a theater room and a clubroom with a catering kitchen.

This University City community is a perfect spot for students and academics alike. It’s close to both the University of Pennsylvania and Drexel University.

one of the best apartment gyms in philadelphia

Source: Rent. / The Poplar

Within East Poplar, you’ll find the aptly named community, The Poplar. This amenity-filled spot has a rooftop terrace with city and waterfront views. There are also three infinity-edge saltwater pools, two hot tubs and private cabanas.

The gym at The Poplar is a shiny and modern space with large windows. There are a lot of cardio and strength machines, CrossFit boxes and a separate fitness studio for yoga.

one of the best apartment gyms in philadelphia

Source: Rent. / Apex Manayunk

The art deco-inspired design gives the gym at Apex Manayunk a unique feel. Among the cardio and weight machines, what really stands out are the pops of red in the SYNRGY360 CrossFit box. It has multiple stations that really help make a complete workout possible. There’s also an outdoor jogging trail for those who want to add some fresh air to their exercise routine.

In the trendy Lower Northwest community, Apex Manayunk also features a game room with ping pong, arcade games, billiards and shuffleboard. There’s a bocce ball court, Bark Park and a barbecue and deck area as well.

one of the best apartment gyms in philadelphia

Source: Rent. / Locust on the Park

For some quieter urban living, many folks turn to Fitler Square. Located right on the Schuykill River, this welcoming neighborhood is home to Locust on the Park. The gym here is open 24 hours. It’s nicely organized and bright, with pops of color throughout.

Full of amenities, the big attraction to living in Locust on the Park is that it’s next to Schuykill River Park. This green space, which runs along the river, has everything, from walking/biking paths to a pool, dog run and playground.

one of the best apartment gyms in philadelphia

Source: Rent. / Solo on Chestnut

With a gaming lounge, roof deck, roof dog run and study lounges, the smoke-free community of Solo on Chestnut comes fully stocked. The fitness center pops thanks to a colorful, abstract wall mural and wall-length mirrors. Good windows and lighting really complete the space’s perfect brightness. Containing everything from free weights to strength equipment, a CrossFit box and more, you’ll get the perfect workout here.

Located in the eclectic and diverse neighborhood of West Philadelphia, Solo on Chestnut works to tap into the local vibe with its decor.

one of the best apartment gyms in philadelphia

Source: Rent. / The Atlantic

Impressive and classy, with a living wall of greenery and marble columns, The Atlantic boasts a large gym with plenty of strength machines, cardio equipment and a CrossFit box. Separated by a wall of windows, you’ll also find a spin and yoga studio with virtual classes.

Another Avenue of the Arts South neighborhood gem, The Atlantic is a LEED Gold green building with his-and-her spas, a waterfall-edge pool and oversized hot tub, a rooftop dog park, a music room and more.

one of the best apartment gyms in philadelphia

Source: Rent. / Palazzo at the Piazza

Also in Northern Liberties, you’ll find Palazzo at the Piazza. The most impressive amenity here is the pool. There are a ton of lounge chairs, with a separate in-water sunbathing area. Cabanas and comfy patio furniture, which includes beds, round out the area.

The fitness center impresses too, with a green, living wall, floor-to-ceiling windows and neat clusters of exercise machines. There’s also a bright and spacious spin studio and sauna.

Grab a home workout at one of the best gyms in Philadelphia

There are a million things to do in Philadelphia, and if you want to do them all. Nix the need to pay for a gym membership and find a Philadelphia apartment with its own fitness center. You’ll free up more of your fun money and stay in shape at the same time.

Featured image source: Rent. / Piazza Alta

Source: rent.com

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Apache is functioning normally

June 7, 2023 by Brett Tams

These are the best apartment gyms in Sacramento. Which one matches up with your workout style?

Known as the “City of Trees,” there’s no doubt that Sacramento is a beautiful place to call home. Because the city is peppered with parks and full of fun options to fill your days with outdoor activities, it’s important to stay in shape if you want to experience the full scope of everything Sacramento has to offer.

Whether you’re a CrossFit junkie, dedicated treadmill runner or committed to curls, there’s an apartment gym on this list that will look like it was built just for you. Find the Sacramento gym that best fits your exercise style and start the process toward signing that lease today.

Row machines and more at The Press Apartments

Source: Rent. / The Press Apartments

The Press Apartments is a modern complex designed to help residents maximize every aspect of their daily lives. From the private office spaces and 24-hour hangout area to the hound lounge to, of course, the pristine fitness center. Equipped with everything you’d expect to find in a community with more than a few things you seldom see outside of the most expensive monthly membership gyms, this gym sets the bar in Sacramento.

Providing residents with a yoga studio, multiple rowing machines and even a boxing machine, this gym has what you’re looking for regardless of how you like to get your heart rate up. Located in Sacramento’s highly sought-after Richmond Grove, life is good when you’re lucky enough to call The Press Apartments home.

Beautiful loft-style gym at Capitol Towers

Source: Rent. / Capitol Towers

The amenities at Capitol Towers are extensive. These downright beautiful apartments are located in Downtown Sacramento and it’s safe to say they boast one of the best apartment gyms in Sactown.

Featuring a loft-style fitness center with leg machines, a lat pulldown machine and enough free weights for all to enjoy a workout without any wait time, this fitness center doesn’t leave any room for complaints. The wellness amenities don’t stop at the expansive gym either. There are also two dry saunas, a spa/hot tub area and a large, rectangular pool that’s perfect for swimming laps.

The serene spin room at Vasari

Source: Rent. / Vasari

Situated south of Sacramento in Elk Grove, the Vasari apartment complex is complete with a fitness center that just might put your current gym to shame. With a dedicated spin area and yoga studio alongside a large gym equipped with an array of upper and lower body machines, heavy ropes and treadmills with pool views, it’s easy to see why residents often fall in love with this fitness center soon after signing the lease.

Whether you’re an early-morning lifter or more of an after-work elliptical person, you’re never short on options at this apartment gym. Not to mention the fact that you can work out hard with the comfort of knowing there’s a hot tub waiting for you to soak the soreness away.

View of the entire gym at Miramonte and Trovas

Source: Rent. / Miramonte and Trovas

Lit up by large windows and a lime green accent wall, the fitness center at Miramonte and Trovas is more than meets the eye. With everything you’d expect in a well-equipped gym, like a Smith machine for safe reps without a spotter, large free weight racks and plenty of benches to help you get a full workout with ease, this gym clearly covers all the essentials.

Where this North Natomas complex really separates itself from the rest is its offering of fitness on-demand. The gym TVs have fitness on-demand, a system that allows residents to learn more about working out and fitness from the comfort of their home gym. No personal trainer is required, this fitness center has it all and then some.

one of the best apartment gyms in Sacramento

Source: Rent. / The Mansion

With a name like “The Mansion” you better have some high-end amenities to match. Needless to say, the beautiful fitness center at this beautiful Boulevard Park apartment complex does not disappoint.

With strength and conditioning equipment as far as the eye can see, mirrored walls, flat-screen TVs and plenty of natural light, this gym sets up its residents for success and supports the journey toward accomplishing even the loftiest of personal fitness goals. Enjoy full-circuit workouts with top-tier equipment in this fine fitness center.

Natural light pouring through the large windows at the fitness center Kensington in Sacramento

Source: Rent. / Kensington

Stationary bikes, Hoist machinery and Matrix treadmills are just a few of the stellar pieces of equipment you can expect to find at the Kensington fitness center. With vaulted ceilings letting in all the natural light you could ever want and, most importantly, enough space to stretch out and get your sweat on without being disturbed by others, this gym was built with residents’ comfort in mind every step of the way.

This Arden-Arcade apartment complex also boasts three pools and a relaxing spa. That means you can start your day swimming laps and then cap it off by soaking away the pains of the day.

Cardio area in the brick-walled fitness center at Academy65

Source: Rent. / Academy65

Known for its youthful resident population, proximity to Sacramento State and impressive list of amenities, Academy65 is a great place for active people to call home. Boasting a 24-hour fitness center complete with a StairMaster, multiple treadmills under flat-screen TVs, and a mountain of medicine balls, this fitness center is equipped to handle all types of exercise styles.

Not just catering to the heavy lifters, the fitness center at this College Town complex is also equipped with a yoga studio and spin area. Whether you’re looking to pedal away your problems or just improve your flexibility a little bit, there’s a space for you at the fitness center at Academy65.

Exposed beams in the light-filled gym at The Woodlands

Source: Rent. / The Woodlands

The Woodlands is a magnificent Metro Center apartment complex with, as you may have guessed from the name, an appealing cabin feel. With more than one StairMaster, a lat pulldown machine and a squat rack all at your disposal, among many other pieces of top-tier equipment, there’s no questioning the Woodlands fitness center’s place on this list.

The opportunities for recreation don’t end at the fitness center either. This complex also provides residents with a cornhole court, three pools and two hot tubs. Regardless of what you’re feeling, there’s always something to do at The Woodlands.

Daytime view of the Irongate apartments gym

Source: Rent. / Irongate

Located in North Natomas, Sacramento, the fitness center at Irongate isn’t just spacious, it’s also equipped with everything you need to not just achieve but to exceed your fitness goals. Whether you are looking to up your cardio, tack on some mass, drop a few pounds or anything in between, you have more than a few options thanks to the exercise amenities at this North Natomas fitness center.

Adorned with upper and lower-body machines, lots of free weights and flat-screen TVs for when you need a mental break from your treadmill running or leg pressing, exercise options are never an issue. Thanks to white walls, a high ceiling and plenty of natural light, this fitness center feels large and always has enough space for residents to work out, even during the busier hours.

one of the best apartment gyms in Sacramento

Source: Rent. / The Fremont

Easily recognizable by its unique Mediterranean architecture, The Fremont is one of the more desirable buildings in Midtown to call home. With sizable windows to let in natural light, large free-weight racks, stacks of stationary balls and a couple of shelves of complimentary towels, this fitness center is fully stocked and ideal for fitness-minded folks from all walks of life.

Also boasting a professional-grade stationary bike alongside a state-of-the-art elliptical machine and treadmill, The Fremont’s fantastic fitness center supports your cardio goals.

Get your sweat on in Sacramento

Whether you’re a daily runner, a weekly weightlifter or someone just looking to improve flexibility the slightest bit, Sacramento is full of apartment gyms that are capable of supporting you through even the most ambitious fitness goals.

See yourself getting your sweat on in one of these next-level fitness centers? Fill out an application today and reignite your passion for personal fitness in your new apartment gym.

Featured image source: Rent. / The Press Apartments

Source: rent.com

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Apache is functioning normally

June 7, 2023 by Brett Tams

Regardless of how you like to work out, there’s a gym on this list that’s perfectly designed to help you meet your fitness goals.

Known for its proximity to the legendary Garden of the Gods and beloved by locals for its awe-inspiring natural beauty, it’s no surprise that Colorado Springs is home to an active population of nature lovers that prioritize health and physical fortitude in their daily lives.

With such an active population, apartment complexes have felt the pressure to provide residents with ample options to work out the way they want. These are 10 of the best apartment gyms in Colorado Springs.

Falconview colorado springs, co

Source: Rent. / FalconView

FalconView is a Northgate apartment complex that features an indoor-outdoor workout area that will put your local CrossFit gym to shame. Garage-style doors, a killer sound system and lofty ceilings with large fans to help keep you cool — this fitness center is for the workout freaks and resentful treadmill runners alike.

Whether you’re looking for a full-body workout courtesy of a half hour on the rowing machine or some outdoor turf to tone your legs while you take care of your tan, the FalconView gym sets the standard in Colorado Springs and earns the top spot on this list.

the residences at falcon north fitness center

Source: Rent. / The Residences at Falcon North

The first thing you notice when you walk into the fitness center at The Residences at Falcon North is the humongous square skylight smack dab in the middle of the gym. This unique feature supplies the fitness center with a ton of natural light and almost makes you feel like you’re actually outside.

As far as equipment goes, this gym features top-of-the-line resources including a multi-purpose structure at the center with everything from heavy ropes to chin-up bars and even a punching bag. Bottom line, this Northeast Colorado Springs gym has what you need and then some.

one of the best apartment gyms in colorado springs

Source: Rent. / University Village

Boasting an undeniably cool cabin vibe, the fitness center at University Village makes the most of its unique semi-circle footprint to create a space that is welcoming, visually appealing and the ideal spot to get your sweat on.

Set up so the cardio area has a view of the professionally manicured outdoors and designed so the machines have enough space between them to support a relaxing workout environment, this Northeast Colorado Springs fitness center is on par with some of the more expensive monthly membership gyms.

crowne at briargate colorado springs gym

Source: Rent. / Crowne at Briargate

With multiple hydro rowing machines, top-quality stationary bikes and plenty of space for plyometrics, the Crowne at Briargate fitness center is designed to make everyone feel comfortable and motivated to accomplish their goals. Along with lots of natural light, there is also mirrored wall so lifters can check their form and, opposite that, is a mural portraying active individuals in a sea of calming colors.

Beyond that, this Briargate-based fitness oasis also boasts a dedicated yoga studio. This relaxing space is perfect for practicing yogis and anyone looking to improve flexibility and work on mindfulness without leaving the comfort of home.

Springs at Foothill Farm apartment gym

Source: Rent. / Springs at Foothill Farm

As the second apartment fitness center featured on this list with garage-style doors, the Springs at Foothill Farm fitness center does an excellent job facilitating a seamless indoor-outdoor workout space. Also featuring a kettlebell station and flatscreen TVs in addition to soaring ceilings, this is a great place to get a workout in.

Located in Colorado Springs’ scenic Northgate neighborhood, this thoughtfully designed fitness center also features SmartMats to help make sure you’re stretching the essentials, a stability ball station and plenty of resistance bands for those that like to lift but want to avoid the weights.

Union heights apartment gym

Source: Rent. / Union Heights

The Union Heights apartment complex features a light-filled fitness center with distinct cardio and weight-lifting areas. The cardio area looks out onto the pool and provides a great view to get lost in while you work up to 10,000 steps. Featuring treadmills, ellipticals and stationary bikes, residents are free to get creative and work their legs in a number of different ways.

The lifting area at this Northeast Colorado Springs fitness center is well-equipped, properly spaced out and perfect for experienced and novice weight-lifters alike. While this may not be the largest fitness center on the list, it does a lot with a little and is more than adequate for even the loftiest fitness goals.

Woodland hills apartments fitness center

Source: Rent. / Woodland Hills Apartments

Woodland Hills Apartments is the perfect place for an active person to call home because of its versatility in options for recreational activity. Featuring an on-site gym with all the equipment you’d expect to find in a gym capable of supporting the residents living in the complex’s 160 units as well as a spa area and beach volleyball court, you’re never short on options for activity at Woodland Hills.

This complex also backs up to the Cottonwood Creek Trail, making it an ideal spot for people that prefer to get their steps in while immersed in the great outdoors. With views of Cottonwood Creek along the way, you won’t find a better spot to run, walk or jog in the Colorado Springs area.

one of the best apartment gyms in colorado springs

Source: Rent. / Estate at Woodmen Ridge

Estate at Woodmen Ridge lies between Black Forest and Northeast Colorado Springs and benefits from its close proximity to Cottonwood Creek. While the fitness center here may not have some of the frills found at other gyms on this list, what it may lack in flash, it more than makes up for in versatility.

Featuring a stability ball station, outside views for all of the cardio machines, and plenty of space for free weight lifting and full-body stretching, this gym is capable of supporting all styles of exercise.

Bonus: There’s also a Coke machine for those that like to chase their workout with a little reward.

one of the best apartment gyms in colorado springs

Source: Rent. / Knolls at Sweetgrass Apartment Homes

Boasting an all-new yoga area to supplement their traditional fitness center setup, The Knolls at Sweetgrass Apartment Homes gym represents the standard of what all modern apartment complex fitness centers should attempt to live up to. High ceilings, natural light and mirrored walls make for a perfect place to check your form while basking in the morning light before work. Sound like a good way to start your day?

Whether you’re working on flexibility, bulking up for pool season or slimming down to start the New Year, the equipment at this gym is capable of helping you reach even the most ambitious of fitness goals. If you find yourself in this Old Colorado City fitness center, you’re in for a good workout.

Enchanted springs apartments colorado springs

Source: Rent. / Enchanted Springs

With a name like Enchanted Springs, there’s a lot to live up to. Luckily for the residents of this East Colorado Springs complex, the fine people behind Enchanted Springs deliver on the promise brought on by the name. Boasting a large fitness center with pool views, this gym gives you plenty of room to work up a sweat and work out those demons.

With a free-weight station, versatile cable machine and machines designed to help rid yourself of the dreaded chicken legs, there’s a lot to do and experience in this gym if you’re the type that’s always looking to expand your workout regimen.

Stay swole in Colorado Springs

Whether you’re a CrossFit junkie, a cardio enthusiast or a dedicated yogi, there are plenty of apartment gyms throughout Colorado Springs that will perfectly meet your workout needs. Start your search with the list above and enjoy the journey toward your new apartment and its beautiful gym.

Featured image source: Rent. / The Residences at Falcon North

Source: rent.com

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Apache is functioning normally

June 6, 2023 by Brett Tams

Just because you live in a small bedroom, doesn’t mean you need to skimp on style. Here are 7 small bedroom ideas to liven up your space.

When living in an apartment, you might be a little short on space. However, you do not need to be short on style! While you can’t magically expand the parameters of your bedroom, you can add some pizzazz with these seven small bedroom ideas.

If you’re craving some feng-shui and want to update your tiny room with a new decorating style, here are several ideas that will be sure to optimize your space and make you feel like you’re in your own personal haven.

7 small bedroom ideas to freshen up your space

Regardless of your decorating budget, you can utilize any or all of these small bedroom ideas to jazz up your space. Let’s get started with the transformation!

1. Paint a wall

Color is one of the best ways to liven up any space, regardless of size. On one side of the color wheel, you could go with neutrals, like white or beige, to create a blank slate. The fresh white walls can add a clean look and brighten up the space. It also leaves room for you to add a statement piece of art that really stands out.

On the other side of the color wheel, you could go bold and paint one wall a signature color that will add a splash of color. If you choose to go with a color, choose it wisely. Sometimes, dark colors on all four walls could make the space appear smaller. You can find a paint finder tool to choose the right color for your room.

2. Hang some art or a decorative mirror

A picture is worth a thousand words, right? If you’re looking for small bedroom ideas to spice up your space, consider going art shopping and finding the perfect piece of art to add to one wall. You could buy a large statement piece or purchase several prints and make a photo collage. The idea here is to use art to make a statement in your small space.

Another thing to consider is adding a mirror to a wall. This could be a wall mirror or a standing mirror, but make it big! The mirror can help amplify the space and make it seem larger than it is.

3. Get some greenery

You don’t need a green thumb to add some greenery to your bedroom. Go to your local nursery and find a cactus, succulent or even a small tree to bring home to your room. You’ll want to consider things like how much light your room gets and how often you need to water the plant, but there is a plant for almost any situation. Greenery adds life, literally, to your space and that can make your small bedroom feel like a retreat.

4. Become creative with storage

One of the biggest problems with small spaces is the lack of storage options. Don’t fret, though! You can and must get creative when living in a small space. First, make use of the available storage you do have. Add boxes or bins to any shelf to reduce visual clutter. Next, consider propping up your bed to add more under-the-bed storage to hide and store items. You can also add furniture — like a dresser, bookshelf or desk — to decorate and organize.

Remember, clutter makes any space look smaller. So, you need to be organized and get in touch with your inner Marie Kondo to make your small bedroom appear larger.

5. Upgrade to multi-purpose furniture

Make your furniture multi-task! If you have the budget to buy some new furniture, invest in multi-functional furniture. For example, can your shelves double as a desk? Or can you buy a bed frame with built-in storage? Multi-purpose furniture is cool and it helps save on space, which is key to upgrading a small bedroom.

6. Add some height

It might sound counter-intuitive to add large furniture to a small room, but sometimes, larger furniture in a small space actually makes the room seem bigger. For example, we mentioned adding a mirror to your room earlier. Why not make that mirror tall and large to add some height and dimension to the space? Or, consider adding a piece of ladder furniture that adds height and doubles as storage?

7. Make use of tight spaces

The seventh small bedroom idea for decorating is to think of tight, small spaces in innovative ways. For example, do you have an extra closet in your room? Consider taking down the closet doors and converting that space to a mini office complete with a desk and chair. Do you have tall ceilings? Add a high shelf and use that for boxes and bins.

General tips for small bedroom living

Living in a small space can be frustrating if you aren’t organized. But, you can make it work and live in a fabulous small bedroom by following these three tips.

Stay clean and organized

Clutter is distracting and stressful and makes any place, regardless of size, seem smaller. If you live in a small apartment or have a small bedroom, make it part of your daily or weekly routine to clean and organize regularly. By keeping an orderly space, you’ll have a cleaner house and head.

Live minimally

Less is more, right? One thing to consider is the “one in, one out rule.” For example, if you purchase new clothes or a new piece of furniture, donate something old instead. This makes it so that you aren’t adding more stuff to your space but remain with the same amount of items, creating less clutter.

Add light and fresh air

Dark spaces can seem dreary, so make sure to turn on lights, add lamps or open window shades to bring in light. Likewise, prop open a window or add a fan to avoid a stuffy, cramped feeling in your bedroom.

Create your dream small bedroom

By incorporating one (or seven!) of these small bedroom ideas, you’ll create the cozy room of your dreams. Friendly reminder to check with your landlord and lease, though, before making any permanent alterations to your apartment. Once you get the green light, grab your paintbrush and paint away!

Still looking for that dream apartment to decorate? Start here.

Source: rent.com

Posted in: Growing Wealth Tagged: 2, advice, All, apartment, art, bed, bedroom, before, best, big, Blog, bold, bookshelf, Budget, Built, Buy, cactus, ceilings, Clean, Closet, Clothes, clutter, color, colors, dark, decorate, decorating, desk, doors, double, dream, Financial Wize, FinancialWize, friendly, furniture, General, General Tips, get started, green, greenery, guide, home, house, ideas, in, Invest, items, lamps, landlord, lease, Life, lights, Live, Living, living in an apartment, Local, Make, making, marie kondo, More, new, nursery, office, or, organize, Other, paint, Personal, place, Purchase, reminder, Rent, right, room, routine, save, shopping, short, Side, small apartment, small space, small spaces, space, storage, Style, tips, Tips & Advice, transformation, under, update, upgrade, wall, white, will, work

Apache is functioning normally

June 6, 2023 by Brett Tams

Investment banking is a specialized area of the financial services industry that focuses on aiding governments, corporations and other entities to raise capital and complete mergers and acquisitions. The term “investment banker” refers to an individual who works for an investment bank that offers these services.

Investment banking is typically considered to be a prestigious career, and becoming an investment banker can be lucrative for those willing to complete the necessary education and training.

What Is an Investment Banker?

Investment bankers work for investment banks, which are effectively middlemen between entities that need capital and entities that provide it. In simpler terms, investment bankers help their clients to expand and grow their businesses or operations.

Another way to think of an investment banker is as a financial advisor to governments, corporations, and other businesses. As part of their professional duties, they may guide clients in making financial decisions that directly or indirectly affect their bottom line.

Investment bankers are most often associated with Wall Street, though they work in cities throughout the world. Some of the largest investment banks in the United States include Goldman Sachs & Co., Morgan Stanley, J.P. Morgan, Bank of America Merrill Lynch, and Blackstone.

What Do Investment Bankers Do?

Investment bankers play an important role in helping companies achieve their financial goals. When a corporation is planning an upcoming expansion project, for instance, its board may turn to an investment bank for help. An investment banker can analyze the company’s financial situation to determine the best way to meet its needs.

In terms of the specific tasks an investment banker may carry out, that depends largely on the type of clients they work with.

Assisting With Initial Public Offerings

Investment bankers can play a critical role in helping clients secure capital. Depending on the client, this can be done through a variety of means, including the launch of an initial public offering (IPO).

An initial public offering, or IPO, allows private companies to offer shares of its stock to the public for the first time. The investment banker assists by creating a prospectus explaining the details of the IPO, marketing it to potential investors, and navigating Securities and Exchange Commission (SEC) compliance rules.

Investment bankers are key to whether the company’s IPO is a success. They help determine the initial price of the offering, which is critical. Pricing too high could scare off investors, while going too low could undercut their client’s profits.

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Bond Issuance

Government agencies and corporations often use bonds as a fundraising tool. For example, if a city government needs money to improve local roads they might issue a municipal bond to fund the project. Investors purchase the bonds on the bond market, giving the government the capital it needs to complete the road updates. Investors can hold onto the bond and earn interest on it, or they can sell it to another investor.

As with an IPO, an investment banker’s role in issuing bonds may include preparing the bond issuance documents, setting a price, submitting it to the SEC for approval, and marketing the bond to investors to raise capital.

Recommended: Federal Reserve Interest Rates, Explained

Equity and Debt Financing

Equity and debt financing are two other ways that companies can tap into funding. With equity financing, companies raise capital by selling an ownership share in the business. Venture capital and private equity are common examples of equity financing.

Debt financing involves taking out loans or lines of credit, without giving up ownership stakes. An investment banker can help companies assess which type of financing makes more sense for their business model, and help them work through the process of securing the funding.

For example, investment bankers may work with startups to pitch angel investors, while they might help more established companies compare and select loan options.

Mergers and Acquisitions

Another common task that investment bankers assist companies with is mergers and acquisitions. In a merger, two companies enter into an agreement to become a single business entity. Each company is treated as an equal in the transaction. An acquisition, on the other hand, involves one company purchasing another.

In either type of arrangement, companies may use investment bankers to oversee the process. This could involve negotiating the terms of a merger or acquisition and reporting the details of the transaction to the SEC to ensure compliance. When a company considers an acquisition, investment bankers can also help identify and vet potential targets.

Recommended: What Happens to a Stock During a Merger?

Investing and Asset Management

While investment bankers’ duties primarily revolve around raising capital for their clients, there are other services they may perform. This can include things like:

•   Investment research and analysis

•   Buying and selling securities

•   Offering advisory services

•   Asset management

These services are similar to what a personal financial advisor might offer their clients.

How to Become an Investment Banker

If you’re interested in a career in investment banking, there are a few things to know. In terms of education, a bachelor’s degree is typically a minimum requirement for most investment banker jobs. Though some investment banks may look for candidates that have earned a higher degree of education, such as an MBA or a graduate-level degree in finance.

Aside from education, there are certain skills that may help you be successful as an investment banker. Those include:

•   Ability to perform under pressure

•   Good communication skills

•   Solid marketing skills

•   Firm grasp of financial markets and modeling

•   Strong attention to detail

Depending on your responsibilities, you may also need a securities license. That may include completing one of more of the following licensing exams:

•   Series 7 General Securities Representative Qualification Examination (GS)

•   Series 79 Investment Banking Representatives Exam

•   Series 63 Uniform Securities Agent State Law Exam

Before you can take these exams, you first have to be employed and sponsored by a FINRA-member firm or other self-regulatory organization member.

Taking and passing the Securities Industries Essentials (SIE) Exam could help improve your chances of being hired as an intern or junior employee. That process begins early, with many banks hiring summer interns more than a year ahead of the start of the program.

How Much Do Investment Bankers Make?

Investment bankers generally earn above-average salaries. Even at the entry level, it’s possible to make $100,000 or more, and salaries for top Wall Street bankers can easily range into the millions or tens of millions. But investment banking is one of the hardest jobs on Wall Street. So, if you’re not prepared to routinely work 100-hour weeks or constantly be on-call for your clients, it may not be the job for you.

The Takeaway

Investment bankers work primarily with institutional investors, governments and corporations rather than individual investors. But you can still benefit from the work investment bankers do behind the scenes indirectly.

Investment bankers may work in a variety of roles, such as helping facilitate IPOs, or mergers and acquisitions. It can be a lucrative career path, too, but generally requires a graduate-level education, and additional licensing.

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Photo credit: iStock/fizkes

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Investment decisions should be based on an individual’s specific financial needs, goals, and risk profile. SoFi can’t guarantee future financial performance. Advisory services offered through SoFi Wealth, LLC. SoFi Securities, LLC, member FINRA / SIPC . SoFi Invest refers to the three investment and trading platforms operated by Social Finance, Inc. and its affiliates (described below). Individual customer accounts may be subject to the terms applicable to one or more of the platforms below.
1) Automated Investing—The Automated Investing platform is owned by SoFi Wealth LLC, an SEC registered investment advisor (“Sofi Wealth“). Brokerage services are provided to SoFi Wealth LLC by SoFi Securities LLC, an affiliated SEC registered broker dealer and member FINRA/SIPC, (“Sofi Securities).

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Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
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Source: sofi.com

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Apache is functioning normally

June 6, 2023 by Brett Tams

Your space reflects your aesthetic and curates your mood.

Dark academia is an aesthetic and cultural movement that draws inspiration from academic and literary traditions, often focusing on introspection, intellectualism and a love for knowledge and learning. It emerged as a trend online and has gained popularity on platforms like TikTok. Maybe you’re inspired by this aesthetic and hoping to decorate your home. Where can you get started with dark academia room decor to enhance the moody, scholastic vibe? We’ll explain more here.

Dark academia in modern media

While dark academia is not an easily spotted decorative style, it’s more prevalent than we think. Shows like “Wednesday” feature dark-toned decor, vintage furniture and an overall dark aesthetic that lends to dark academia. Tim Burton films and Harry Potter movies — along with films like Dead Poets Society and Atonement — famously feature this moody, serious aesthetic as well.

dark academia interior design features dark wood, velvet fabrics, a vintage vibe and nods to classic literature

The key features of dark academia room decor

Dark academia is all about embracing the love for learning and intellectual pursuits. It’s showcasing and emulating a deep appreciation for literature, philosophy, history and the arts that really sets it apart from other decor styles. Because of this, there’s also a strong sense of nostalgia that comes with dark academia: Think vintage books and antique furnishings that transport you to a different time. Let’s delve into some of the key characteristics of dark academia decor.

Deep colors

Dark academia room decor features a color palette full of deep, rich tones. Colors like dark brown, burgundy, forest green, navy blue and black create a sense of drama and depth. These colors are often used on walls (when allowed by apartments), furniture and accessories. Elements like furniture colors, wall decor, blankets, pillows, floor rugs and bedding reflect these colors in smaller spaces like apartments.

Dark woods and dark academia style in this dark academia bedroom

Antique furniture and vintage tchotchkes

With such baroque influence, antique and vintage furniture are seen in dark academia-decorated spaces. Things like dark wooden bookshelves, leather armchairs, carved desks and unique tables help curate the aesthetic.

The furniture tends to have a sense of history and character, nodding to the sense of nostalgia dark academia creates. These pieces can prove as budget-friendly as they are beautiful, antique furniture is found easily at thrift-type shops, second-hand resale stores and vintage retailers.

a dark academia space relies on mystery, contrast and a gothic aesthetic to evoke a mood

Literature emphasis

Books play a central role in the dark academia asthetic, whether this be through floor-to-ceiling bookshelves filled with classic, leather-bound books or smaller, vintage book nooks filled with academic texts. The books are often arranged eclectically and intentionally unorganized, creating a sense of charm and uniqueness.

Artwork

Dark academia decor often includes artwork that reflects classical and intellectual themes. Think of old-world paintings, portraits and other traditional art styles. People can take it one step further by displaying this art in vintage frames or dark frames in a gallery-style fashion. The artwork element really contributes to the overall ambiance of nostalgia and a love for more decadent things in life.

dark academia inspiration comes from books, gothic architecture and gloomy paintings

Dark lighting

One of the easiest ways to spot dark academia decor and to create this ambiance is through lighting. Table lamps and floor lamps with warm-toned bulbs create an intimate and cozy atmosphere. Candles and soft string lights add a touch of warmth to living spaces.

The opposing side: light academia

Light academia is a contrasting style to dark academia. While dark academia embraces a moody and dark atmosphere, light academia takes a brighter and more optimistic approach. It embodies the love for learning and intellectual pursuits, just like dark academia, but with a lighter and airier feel.

Libraries, gardens and the beauty of nature offer inspiration within light academia. To curate the desired vibe, people incorporate pastel colors, soft fabrics and floral patterns through furniture, wall decor and plants. You can find this style represented in several shows like “Bridgerton,” “Anne with an E” and “Gilmore Girls.”

inspire your dark academia side with dark decor, warm tones and velvet pieces when looking at dark academia bedroom ideas

Explore this scholarly, gothic style in your apartment

By creating a space that reflects the aesthetic and ambiance of dark academia, individuals can immerse themselves in this realm that celebrates the pursuit of knowledge and the beauty of the past.

Whether through the arrangement of books or by filling the room with vintage furniture, decorating for dark academia combines literature, art and Romanticism perfectly. Find your dream apartment to fill with dark academia today!

Source: rent.com

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