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Apache is functioning normally

June 2, 2023 by Brett Tams

Offering a unique blend of academic excellence, cultural vibrancy and scenic beauty, New Hampshire’s true charm lies in its quaint college towns.

This article will take you on a journey through the best college towns in New Hampshire, highlighting their unique features and allure. From the prestigious Dartmouth College in Hanover to the buzzing urban campuses in Manchester, New Hampshire’s college towns boast a wealth of opportunities and experiences for students and lifetime locals alike.

Fall day in Hanover, New Hampshire on the Dartmouth campus

Epitomizing New England charm, Hanover is home to Dartmouth College, an Ivy League institution known for its stellar academics. Established in 1769, Dartmouth College boasts a picturesque campus adorned with Georgian-style architecture and lush green spaces. The town’s vibrant culture, coupled with its stunning location on the Connecticut River, makes it a popular choice for students seeking a well-rounded college experience.

As you stroll through the quaint streets of Hanover, you’ll be greeted with a myriad of boutique shops, cafes and restaurants, reflecting the town’s diverse and international community. You can enjoy gourmet coffee at Dirt Cowboy Café, a beloved local hangout, or savor a hearty farm-to-table meal at the award-winning Pine.

Hanover’s proximity to the Appalachian Trail and the White Mountains provides ample opportunities for outdoor enthusiasts to explore the area’s natural beauty. Students and locals alike can be found hiking, skiing or taking leisurely walks along the Connecticut River on sunny afternoons.

Aerial view of Durham, New Hampshire and the University of New Hampshire on a snowy day

Next on our journey through the best college towns in New Hampshire is Durham, home to the University of New Hampshire (UNH). UNH is a rural public research institution known for its strong programs in medical engineering, business and environmental sciences. The picturesque campus, surrounded by small-town charm, offers a perfect blend of academic rigor and opportunity for community engagement.

Durham has a vibrant yet laid-back vibe, where students can unwind after a day of classes at one of the many local eateries or take a leisurely walk along the Oyster River. For those looking to embrace the outdoors, College Woods, a 250-acre nature preserve, offers miles of hiking and biking trails just a stone’s throw away from campus.

Durham is also home to the Paul Creative Arts Center, which hosts a variety of concerts, art exhibits and theater performances throughout the year. The University’s renowned Memorial Union Building, affectionately known as ‘The MUB,’ serves as the epicenter of student life and provides ample opportunities for socializing and entertainment.

Red brick building in Keene close to the Keene State College campus

Located in southwestern New Hampshire, Keene is home to Keene State College, a liberal arts institution with a strong emphasis on interdisciplinary learning and community engagement. The college is known for its education, film production and sustainable development programs. Keene’s vibrant artistic community benefits from the stunning natural beauty of the Monadnock Region, which makes it a true haven for creative and environmentally conscious students.

The town’s historic Main Street is lined with an eclectic mix of shops, galleries and restaurants, reflecting Keene’s bohemian spirit. Students can browse through locally crafted pottery at the Hannah Grimes Marketplace, indulge in artisanal chocolates at Life is Sweet or catch a live music performance at the cozy and intimate Machina Arts.

Outdoor enthusiasts will find no shortage of activities in Keene, with easy access to the Monadnock Region’s picturesque hiking trails, state parks and lakes. The city’s annual Monadnock Pumpkin Festival, held in October, is a testament to the strong sense of community and celebration of the region’s natural bounty.

View of Manchester and Southern New Hampshire University at night

Manchester boasts a thriving artistic community, making it an attractive choice for students seeking a more urban college experience. The city is home to several higher education institutions, including Southern New Hampshire University (SNHU) and the University of New Hampshire at Manchester.

SNHU is a private institution that offers an extensive range of degree programs, from liberal arts to business and technology. Its innovative online education platform has garnered international recognition, attracting students from all corners of the globe.

UNH Manchester is the urban branch of the University of New Hampshire and provides undergraduate and graduate programs with a strong emphasis on experiential learning and community partnerships.

Downtown Manchester is a hub of activity anchored by the historic Palace Theatre, which hosts a variety of performances, from Broadway shows to concerts and comedy acts. The Currier Museum of Art, with its extensive collection of European and American artwork, offers a unique cultural experience for art enthusiasts. Foodies will find themselves in culinary heaven, as the city’s burgeoning culinary scene showcases a diverse array of global cuisines, farm-to-table restaurants and craft breweries.

For students seeking a respite from city life, Manchester’s numerous parks, like Derryfield Park and Livingston Park, provide ample green spaces for relaxation and recreation. The nearby Lake Massabesic and the Uncanoonuc Mountains offer opportunities for hiking, biking, fishing and more, allowing students to unwind and recharge in the warm embrace of Mother Nature.

Clear day in Plymouth, just off the Plymouth State University campus

Plymouth, a small town nestled between the White Mountains and the Lakes Region, is home to Plymouth State University. Known for its strong education and meteorology programs, Plymouth State University offers a close-knit academic environment that fosters a strong sense of community and encourages personal growth alongside academic enlightenment.

The historic Main Street in Plymouth is home to a variety of local shops, eateries and the iconic Flying Monkey Movie House and Performance Center, which hosts live music, film screenings and theatrical performances. Students can enjoy an artisan cup of coffee at Café Monte Alto or indulge in a delicious slice at the locally renowned Tenney Mountain Pizza.

Outdoor enthusiasts will find plenty to do in Plymouth, with easy access to the White Mountains and the Lakes Region, offering next level recreational activities like skiing, snowboarding, hiking and kayaking.

Find your new apartment in a New Hampshire college town

Whether you’re a prospective student, a curious traveler or a local looking to rediscover your home state, the college towns in New Hampshire offer a unique blend of academic excellence, vibrant culture and stunning natural beauty. From the Ivy League allure of Hanover to the urban appeal of Manchester, New Hampshire’s college towns are a treasure trove of experiences waiting to be explored. Pack your bags, lace up your boots and get ready to embark on a journey through these charming academic paradises in person to fully embrace the magic of New Hampshire’s college towns.

Source: rent.com

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Apache is functioning normally

June 2, 2023 by Brett Tams

Alright, folks. It’s time to get into the spooky, fun-filled spirit of Halloween. Instead of focusing on the big metros that often grace our lists, we wanted to spotlight some of the smaller, unusually named communities that have haunting names.

But instead of just listing these small towns, we’ve gone a step further by explaining how (most of) these towns got their names. Some will frighten you. Okay, that might be a stretch. At any rate, this here is prime (albeit random) Halloween knowledge that you’ll want to share on October 31st!

spooky town names

  1. Bad Axe, MI: Back in 1861, two surveyors set up camp in the area and came across a badly damaged axe. To mark the site, they made a sign that read “Bad Axe Camp”, hence the city’s name was born and was officially established in 1905.
  2. Bat Cave, NC: This is the home of Bluerock Mountain, otherwise known as Bat Cave Mountain. It features a cave that houses several species of – you guessed it – bats! Fun fact: This mountain is reportedly the “largest known granite fissure cave in North America”. Sorry, it’s not open to the public.
  3. Black Creek, GA: The origins of this tiny Savannah town have been buried six feet under, which is far beyond Google’s reach, apparently.
  4. Casper, WY: Commonly referred to as “The Oily City”, Casper’s name originated from Lieutenant Caspar Collins who was killed in 1865 by enemy forces. Nope, that’s not a typo, folks, at least not on our part. The change in spelling is due to a typo that was mistakenly submitted when the town name was officially registered with the state of Wyoming.
  5. Cape Fear, NC: Widely recognized as the name of a 1962 thriller (and its 1991 Martin Scorsese remake), Cape Fear is a tiny town halfway between the larger metros of Raleigh and Fayetteville. Cape Fear’s name dates back to a 1585 expedition in which a ship became stuck behind the cape. The crew was afraid they’d wreck, giving birth to the name Cape Fear.
  6. Dead River Township, ME: Town history: Missing. Reward: Non-existent. Sorry.
  7. Deadwood, OR: This small town takes its name from nearby Deadwood Creek, an area known for a series of wildfires caused by dead timber snags along the water.
  8. Frankenstein, MO: Sorry to burst your bubble, but this small town does not take its name from the popular square-headed monster. It’s actually named after Gottfried Franken in honor of the land he donated to build a church back in 1890.
  9. Pumpkin Center, CA: We’ve uncovered the grim truth. How odd that this town is just 13 minutes away from Bakersfield? RIP, pumpkins.
  10. Sleepy Hollow, NY: Located on the coast of the Hudson River just minutes from White Plains, Sleepy Hollow was known as North Tarrytown up until 1996. At that time, residents voted for the name change in honor of local author Washington Irving’s story “The Legend of Sleepy Hollow”.
  11. Slaughter, LA: The name of this small and fairly new Baton Rouge town comes from an award-winning fictional novel by Michael Ondaatje. Buddy Bolden: Coming Through Slaughter, is largely based on the legendary New Orleans jazz musician.
  12. Slaughters, KY: A simple bet is how this town earned its name. Augustus G. Slaughter won a card game, ultimately winning the right to name the town as well as the local post office where he served as postmaster from 1860 to 1865.
  13. Tombstone, AZ: During the late 1800s, U.S. Army scout Ed Schieffelin searched the area looking for “valuable ore samples”. Around the same time, three army officers were killed by Indians. Schieffelin’s friend told him, “The only rock you will find out there is your own tombstone.” Ed continued his search, eventually locating a stash of silver ore. He named this spot Tombstone, which became the name of the town. It’s since been dubbed “The Town Too Tough to Die”.

Would you ever move to a town with a spooky name?

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Apache is functioning normally

June 1, 2023 by Brett Tams

Starting the journey to find your dream apartment is an exciting time. Figuring out your budget and what apartment fits best into your life is an important first step. By calculating how much rent you can afford, you can explore a range of apartments and find the perfect one that fits your preferences and budget.

calculate your rent costs before jumping into a new lease

Utilizing a rent calculator

This rent calculator will help you find an apartment within your budget. Tell us where you’d like to live, how many bedrooms you’re looking for and your annual income (before taxes). Then we’ll crunch the numbers to help you find a new home you can afford.

How much rent can you afford?

Most finance experts would recommend paying no more than 30 percent of gross (before tax) monthly income for rent. Another target is to spend no more than 50 percent of net income (after taxes) on rent, utilities and all other monthly living expenses. However, there is no one-size-fits-all model, and the best way to decide is to write out exactly how much you earn, how much you spend on living expenses and how much you want to save for the future.

The 50-20-30 rule is a recommendation for how to spend percentages of your after-tax income. According to this rule, you should put 50 percent towards “needs” (rent, bills, groceries and the like), 20 percent towards savings and 30 percent towards “wants,” like shopping, hobbies, traveling and going out to eat.

What is the difference between net income and gross income when calculating rent affordability?

It is recommended to consider net income rather than gross income, as tax rates vary depending on factors like state, city, income level and family size (dependents). While gross income is easier to calculate, using net income provides an accurate evaluation of what you can afford.

are you budgeting enough for your apartment? monthly expenses can add up, when you factor in your month's rent, security deposit, upfront costs and more into your rent budget

How do I tackle budgeting?

Rent: To save up without knowing the exact amount of rent, a general rule of thumb is to set aside 30 percent of your paycheck. However, if you know the precise rent amount, it’s better to deduct the exact sum from each paycheck. For instance, if you receive your pay every two weeks, subtract half of your monthly rent payment from each paycheck.

50k salary

On $50,000 a year, you’re making $4,167 gross per month. Taking 30 percent of that, you are able to afford up to $1,250 per month in rent.

75k salary

On $75,000 a year, you’re making $6,250 gross per month. Taking 30 percent of that, you are able to afford up to $1,875 per month in rent.

100k salary

On $100,000 a year, you’re making $8,333 gross per month. Taking 30 percent of that, you are able to afford up to $2,500 per month in rent.

125k salary

On $125,000 a year, you’re making $10,417 gross per month. Taking 30% of that, you are able to afford up to $3,125 per month in rent.

Utilities and other expenses: Utility costs can really vary. It’s helpful to review your bills from the past three months and calculate the average cost of each bill, including electricity, gas, water and internet. Add up the total average cost of these expenses and divide it by the number of paychecks you receive per month. This will give you an idea of how much to set aside from each paycheck.

How do I handle splitting rent with roommates?

While splitting the rent 50-50 may seem fair and straightforward, it may not be the best for everyone. For instance, if one roommate has a substantially bigger bedroom, it may be reasonable for them to pay a slightly higher rate. In any case, it’s important to have an open discussion with your roommate before moving in and document your decision in a roommate agreement to avoid any potential conflicts in the future.

family moving into a new rental location

Starting the apartment search off right

Calculating how much rent you can afford before embarking on your apartment search is essential. While it may be easy to get carried away, calculating beforehand helps set realistic expectations, enable better planning, ensure financial security and empowers you to make smart choices.

Ready to start your apartment hunt? Search here.

Source: apartmentguide.com

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Apache is functioning normally

June 1, 2023 by Brett Tams

As an Amazon Associate I earn from qualifying purchases.

1-bedroom-apartments-under-1500

Finding affordable one-bedroom apartments in DC can be a daunting task, considering factors such as limited availability, skyrocketing prices, and navigating through various listings and potential scams. However, we’ve done the hard work for you and curated a list of 10 one-bedroom apartments available for rent today, all priced under $1900. Don’t hesitate, as these budget-friendly options are sure to get snatched up quickly. Take swift action and secure your ideal one-bedroom apartment under $1900 before they’re gone!

Rent-control-apartments-DC-1400-Van-Buren

1400 Van Buren Apartments

1400 Van Buren NW
Washington, DC 20014

Apt #34  — $1705

Located in the Brightwood neighborhood of Washington, DC, you’ll find this charming brick building offering spacious one and two-bedroom apartments. Less than a ten-minute walk from 1400 Van Buren’s front door you can find over 15 casual dining options including Julia’s Empanadas, Serengeti Restaurant, and Haydee’s Restaurant. When it’s time to head to the grocery, Safeway is only .4 of a mile down the road. Commuting is a breeze with bus routes 52, 53, 54, S2, and S4 stopping right outside the property. The Takoma Metro station is just under a mile away.

Colonnade-one-bedrooms-under-1500

2 Forrester Street SE
Washington, DC 20032

Apt #202 — $1210

We make budgeting so much easier at Colonnade Apartments! You pay your rent; we pay your utilities. The Colonnade offers sunny one-bedroom apartments for rent with hardwood floors and updated oak kitchen cabinets. Each apartment has a walk-in closet, ceiling fans in each bedroom, and a separate dining area with chandelier. The Colonnade apartments are located in southeast Washington, DC. Your new affordable apartment home is just minutes From I-295, walking distance from local schools, hospitals, and shopping. Best of all, all utilities are included.

Rent-control-apartments-DC-Hillside-Terrace

Hillside Terrace Apartments

1812 23rd Street, SE
Washington, DC 20020

Apt #211 — $1345

Looking for an apartment to rent, but want to live in a quiet neighborhood? Fall in love with Hillside Terrace. Our apartment community is nestled in the tranquil neighborhood of Randle Highlands. Randle Highlands is best known as a small residential neighborhood in Southeast Washington, DC. Hillside Terrace’s garden-style apartment buildings are charmingly situated on professionally landscaped grounds. The studio, one, and two bedroom apartments feature updated kitchens and baths, as well as ample closet space and some of the utilities are included with the rent. The Hillside Terrace community is just a short car trip from all of downtown Washington, DC’s entertainment and shopping.

tax-credit-properties-DC-Shipley-Park

Shipley Park

2532 Southern Avenue SE
Washington, DC 20020

Apt #3432-25 — $1231

Shipley Park has worked to bring function and design to your apartment’s kitchen and bathroom. We invite you to visit and see Shipley Park’s range of practical features designed to make your every day experience even more delightful. Experience the new hardwood floors, oak kitchen cabinets and a breakfast bar in your one or two bedroom apartment. Enjoy easy access to shopping, the Town Hall Art and Recreation Campus (THEARC), a neighborhood splash park and the Suitland Parkway.

tax-credit-properties-DC-Archer-Park

Archer Park

1200 Mississippi Avenue SE
Washington, DC 20020

Apt 227 –$1435

Welcome Home to Archer Park Apartments, brand new one and two-bedroom apartment home tax credit community. Each home was designed with you in mind; Energy Star Stainless Steel appliance package, laminate flooring throughout, stackable washer and dryer in each home. The community has a fitness facility, business center, and concierge.

Apartments-all-utilities-included-dc-Pleasant-Hills

Pleasant Hills Apartments

100 Fort Drive NE
Washington, DC 20011

Apt #6–$1650

Find beauty in the unexpected. Just off North Capitol Street, discover Pleasant Hills. Offering spacious and affordable apartment homes that feature beautiful hardwood floors, built-in shelves and renovated kitchens for that inner chef. Pleasant Hills is across from Archbishop Carroll High school, two blocks from Catholic University, and a short distance from the Brookland Metro station. Brookland’s thriving community includes plenty of dining options including Col. Brooks Tavern, San Antonio Grill, and Brookland Cafe.

Apartments-all-utilities-included-dc-Jetu-apartments

Jetu Apartments

2100 Maryland Ave NE
Washington, DC 20002

Apt #4–$1430

Discover our beautifully landscaped community located in the heart of Northeast, near Langston Golf Course and National Arboretum. Jetu Apartments offers affordable one and two bedroom apartment homes for rent. Featuring gas range stoves, upgraded kitchens, frost-free refrigerators, mini-blinds, and wall to wall carpet. Each apartment offers a separate dining area with chandelier lighting. The grounds include two new playgrounds, a community room, and a community garden.

Apartments-all-utilities-included-dc-Jetu-apartments

3101 Pennsylvania

3101 Pennsylvania Ave SE
Washington, DC 20020

Apt #403-$1396

Situated in Randle Highlands, 3101 Pennsylvania presents a feline-friendly apartment community in Southeast Washington DC. We provide one and two-bedroom apartment homes adorned with hardwood floors and modernized kitchens equipped with energy-efficient appliances. Additionally, you have convenient online access to your resident account 24/7. Uncover the comforts offered at 3101 Pennsylvania.

Apartments-all-utilities-included-dc-Jetu-apartments

Juniper Courts

7701 Georgia Ave NW
Washington, DC 20012

Apt #303-$1395

Discover Juniper Courts, your destination for affordable and stylish one-bedroom apartments in the Takoma neighborhood of Northwest Washington DC. Situated on Georgia Avenue, this completely renovated building offers a range of apartment options, including studios, one-bedroom, and two-bedroom units. Step into spacious floor plans adorned with beautiful hardwood floors, ample natural lighting, and central A/C, creating a welcoming and dream-like atmosphere. At Juniper Courts, convenience and enjoyment are paramount, with outstanding community amenities such as on-site maintenance and management, laundry facilities, dry cleaning services, and a community room equipped with computers. Plus, the prime location grants easy access to Downtown Silver Spring and the entire DC area. Experience the perfect blend of affordability and convenience at Juniper Courts.

Apartments-all-utilities-included-dc-Jetu-apartments

Juniper Courts

7701 Georgia Ave NW
Washington, DC 20012

Apt #303-$1395

Discover Juniper Courts, your destination for affordable and stylish one-bedroom apartments in the Takoma neighborhood of Northwest Washington DC. Situated on Georgia Avenue, this completely renovated building offers a range of apartment options, including studios, one-bedroom, and two-bedroom units. Step into spacious floor plans adorned with beautiful hardwood floors, ample natural lighting, and central A/C, creating a welcoming and dream-like atmosphere. At Juniper Courts, convenience and enjoyment are paramount, with outstanding community amenities such as on-site maintenance and management, laundry facilities, dry cleaning services, and a community room equipped with computers. Plus, the prime location grants easy access to Downtown Silver Spring and the entire DC area. Experience the perfect blend of affordability and convenience at Juniper Courts.

Apartments-all-utilities-included-dc-Jetu-apartments

Juniper Courts

7701 Georgia Ave NW
Washington, DC 20012

Apt #303-$1395

Discover Juniper Courts, your destination for affordable and stylish one-bedroom apartments in the Takoma neighborhood of Northwest Washington DC. Situated on Georgia Avenue, this completely renovated building offers a range of apartment options, including studios, one-bedroom, and two-bedroom units. Step into spacious floor plans adorned with beautiful hardwood floors, ample natural lighting, and central A/C, creating a welcoming and dream-like atmosphere. At Juniper Courts, convenience and enjoyment are paramount, with outstanding community amenities such as on-site maintenance and management, laundry facilities, dry cleaning services, and a community room equipped with computers. Plus, the prime location grants easy access to Downtown Silver Spring and the entire DC area. Experience the perfect blend of affordability and convenience at Juniper Courts.

Amazon and the Amazon logo are trademarks of Amazon.com, Inc, or its affiliates. Rental providers will not refuse to rent a rental unit to a person because the person will provide the rental payment, in whole or in part, through a voucher for rental housing assistance provided by the District or federal government.



Also published on Medium.

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Source: blog.apartminty.com

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Apache is functioning normally

June 1, 2023 by Brett Tams

When Mary Krewsun, 65, retired as a physician assistant, she set a goal of traveling because now she has the time. During five days, she walked for 100 kilometers (about 62 miles) along the ancient pilgrim route known as the Camino de Santiago, which culminates in northwest Spain.

“I had heard about the Camino from a cousin who did it, and I was like, ‘I’ve got to do that; that’s going on my bucket list,’” said Krewsun.

She and two friends skipped the hostel route and booked stays in boutique properties, with someone bringing their bags from place to place. “I didn’t want to sleep in a dorm with 15 men snoring,” Krewsun said.

It was the trip of a lifetime, even if her feet sometimes hurt. “I figured, ‘You better do this now while you still can,’ and I am glad I did,” she shared.

Krewsun is not alone in her retirement goal of seeing more of the world. During the pandemic, retirees, like everyone else, delayed travel. Whether it’s a close-to-home road trip or a once-in-a-lifetime international extravaganza, retirees are playing a huge role in the travel surge that’s expected to continue through summer 2023.

A majority of adults (62%) age 50 and over will take at least one vacation in 2023, and most will take between three and four trips, according to a recent survey by AARP.

You have time, and you have money saved, but where to go? Here are some retirement trip ideas to get you started.

Around-the-world cruise

Cruises of two months or more are selling swiftly, so much so that there are cruise lines offering world cruises for the first time. The flashiest is Royal Caribbean, with a record-breaking nine-month itinerary that covers 65 countries on seven continents. The inaugural ship departs in December 2023.

The idea for such cruises is seeing the world in one fell swoop, though often the term “world” is used loosely. Most don’t visit every continent but combine several iconic places. You might, for instance, cruise from Southampton in the United Kingdom to Dubai, Singapore, Melbourne and Cape Town on Cunard, which offers 100-plus day world cruises each year on ships that include Queen Mary 2. In 2024, Queen Mary 2 will visit Europe, Africa and Australasia on a 108-night World Voyage.

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Upscale Oceania Cruises has Around the World in 180 Days itineraries, while ultra-luxury line Silversea introduced the concept of a soft-adventure, expedition world cruise from pole to pole. If you’re considering a world cruise, be ready. Start studying the possible itineraries. Then, learn when bookings will open for sale. They tend to sell out fast, sometimes even in a day.

DAVID RAYMER/GETTY IMAGES

Family reunion

For retirees determined to get to know the grandkids better, family reunion trips afford bonding opportunities and can become the stuff of family lore — as in, “Remember when grandpa thought he caught a big fish and it was just a clump of seaweed?”

Depending on how you, the kids and grandkids like to travel, you might take the family to a Disney resort, book a condo at a ski destination, stay at a dude ranch, or charter a yacht in the Caribbean.

You might choose a stay at an old-fashioned resort such as the Omni Mount Washington Resort in Bretton Woods, New Hampshire, or the Grand Hotel on Mackinac Island in Michigan, which includes an excuse to dress up for dinner — and an opportunity to distract the grandkids from their iPads with old-school activities like lawn games.

A good plan is to throw out a few destination ideas and see where your family lands.

MORSA IMAGES/GETTY IMAGES

Follow your passion

Retirement is a time when you might want to pursue your specific interests, and some of those interests may prove great themes for travel. If your goal is improving your golf game, plan that dream trip to St. Andrews Old Course, Royal Dornoch and others which are among the best courses in Scotland.

Improve your sipping skills on the Kentucky Bourbon Trail or on a wine-themed river cruise through Bordeaux. Or splurge on a luxury driving trip, such as a six-day Porsche Travel Experience driving a Porsche 911 on mountain passes across the French Alps — a package that includes a stay in a luxury Alpine “igloo” and a helicopter flight over Mont Blanc, Europe’s highest mountain.

Walk the world’s great treks

You might, like retiree Krewsun, want to look at a shortened “Camino in Style” hike along the famous 500-mile Camino Frances pilgrim trail, which she booked through Macs Adventures. If you’re super fit, do the whole thing over some 35 days.

There are other amazing hikes to consider in destinations around the world. They include the moderately strenuous Kungsleden (The King’s Trail), about 273 miles through northern Sweden, or the highly strenuous 26-mile Inca Trail, gaining 13,838 feet in elevation, over four days, to the mystical Incan citadel of Machu Picchu. Companies such as Wildlife Trekking and Country Walkers have an array of organized group treks.

WESTEND61/GETTY IMAGES

Book a bike trip

Appropriate for active retirees, bike tours run the gamut from leisurely to extreme. You’ll want to carefully choose your level and route. On the easy end, companies such as Backroads and VBT now have the option on select tours in the U.S. and Europe of using e-bikes.

You may pedal or e-bike through Switzerland, Germany and France, for instance, on VBT’s Black Forest and the Alsace Wine Route itinerary. If you’re looking for a challenge, a Backroads trip through the Canadian Rockies, from Banff to Jasper National Park, allows experienced cyclists to opt on select days for Level 4 or 5.

While the Level 2 members of your group might do 22 miles near scenic Lake Louise, Level 5 that day is an 86-mile ride with a 5,800-foot elevation gain. Both companies also have well-planned self-guide bike tours you can do at your own pace.

Live like a local

Since you’ve got time, consider planting yourself in one place for several weeks, rather than doing a fly-by of various destinations. Staying in an apartment or house, cooking some of your own meals, shopping at markets, mingling with locals and immersing yourself in the local scene is a rewarding experience — never mind that you might hear references to “the Americans” as you walk down the main drag of a small town in Italy.

Before Airbnb and Vrbo, it was harder to find a decent place to stay in, say, bohemian Le Marais or along the glitzy Amalfi Coast. That’s not the case anymore. Plug-in your dates and how many rooms you need, requesting high-speed internet, a washer/dryer, or whatever you want. Carefully read the ratings and reviews of previous travelers to compare options and you’re good to go.

Take that once in a lifetime adventure

Perhaps you’ve put off that longer “bucket list” adventure trip to see penguins in South Georgia and Antarctica, or to go snorkeling in the Great Barrier Reef, or maybe see the Big Five on a safari in Africa — all because you haven’t been able to get the time off from work to do it. What’s stopping you now?

Closer to home, Alaska is a destination that you’ll want to take the time to explore on land and sea, for a minimum of two weeks but probably more, unless you expect to return again at a later date.

MASSIMO COLOMBO/GETTY IMAGES

Go on a road trip

A big road trip is something else you’ve put off because of time constraints. Consider such extraordinary drives as a national parks route through Arizona and Utah, a plan to see California from San Francisco to San Diego, or a 600-mile journey on the Pacific Coast Highway.

Another drive is on Route 66, perhaps a two-week, 2,400-mile trip from Chicago to Santa Monica, lingering at state and national parks, trading posts and such iconic sights as the Milk Bottle Grocery in Oklahoma City and Cadillac Ranch in Amarillo, Texas.

Another must-do multi-day drive is the 469-mile Blue Ridge Parkway – the roadway through Virginia and North Carolina that the National Park Service refers to as “America’s Favorite Drive.” Farther afield is the 825-mile Ring Road that circles Iceland.

Bottom line

You’re retired. Now is the time to go for it.

Source: thepointsguy.com

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Apache is functioning normally

June 1, 2023 by Brett Tams

This story is from Karl Boericke. He is the author of The Frugal Berry, money-saving tips of all kinds for home, office, and small business.

In 1990, I was honorably discharged from the Navy and quickly found a job in an electronics manufacturing company as a technician in their test department. While renting an apartment at the time, I wondered how I would ever be able to afford to buy a house with my meager salary. I had heard that buying a duplex was an inexpensive way to live and build equity in a home.

After looking at a few mobile homes and quickly realizing the long-term downside to such an “investment,” it became clear that buying a duplex was my best realistic ticket to home ownership. I lucked out in finding a great real estate agent who gave me some sage advice. Even though I could buy a duplex with a VA loan with almost NO cash up-front, she advised me to use an FHA first-time buyer mortgage. This would cost me some money at purchase, but it would give me the possibility of using my VA loan in the future for my “next duplex.” This thought stimulated my imagination, and seemed like an impossibility at the moment, but I followed her advice and kept this long-term idea in storage for another time.

Before I bought my first duplex, I was spending $525 per month to rent a studio apartment that consisted of a kitchen, bathroom with stand-up shower, and an all-purpose room that held my bed, dresser, couch, and a small TV placed on top of my file cabinet. After buying, I was now living in luxury. I had two bedrooms, a living room, a spacious kitchen with laundry hookup, and a full bathroom. I was now renting out a one-bedroom apartment below me for $425 per month, and my mortgage payment was $653 per month, which included real estate taxes, mortgage interest and insurance. This meant that my effective cost of housing per month went from $525 while renting to $228 for more space and home ownership.

Twenty-five months later, I bought my second duplex. This time I used my VA loan, and had very few out-of-pocket costs at closing. I moved into this new duplex to satisfy the loan requirements, and lived there for five years before getting married and buying a single home.

At this point my duplexes were paying for themselves, generating some additional income, and building equity that didn’t suffer even in the most recent housing tumble. Anyone who has watched the movie “Pacific Heights” knows the possible downside to being a landlord. Luckily I did not watch this movie until I was a year into my second duplex.

I had a huge learning curve as a landlord, but never had to evict anyone through the legal system. Twice the tenant and I came to a “mutual understanding,” and they were out by the end of the month.

Maintenance came easy for me, but even if I had to pay contractors to take care of any issues, I still would have been saving money like crazy. The dollar figures have changed over the past 20 years or so and mortgage requirements are changing, but the investment opportunities are just the same, or even better in the current housing market.

If you are renting an apartment, living paycheck to paycheck, I highly recommend that you consider buying a duplex. It doesn’t cost anything to look, and if nothing else you will be more educated on your possible options for the future.

Source: getrichslowly.org

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Apache is functioning normally

June 1, 2023 by Brett Tams

As the housing market improves, apartment communities are looking for new ways to attract renters – which means improvements to apartments around the country could be coming soon.

According to a survey of 6,800 property managers conducted by Apartment Guide, 76 percent of those polled believe they need to give their properties a facelift if they want to keep renters. And to know where best to invest their dollars, landlords are turning to residents for advice – meaning online ratings and reviews provide important feedback not just for prospective tenants, but for property managers as well.

Several of the apartment communities featured on Apartment Guide include a forum where residents can provide feedback. The site has topped 67,000 ratings and reviews and is growing all the time.

Want to learn more about the ratings and reviews service on Apartment Guide? Check out feedback from certified residents of apartments all over the country. Properties are rated on a five-point scale, and reviews are certified to make sure the writer is an actual resident of the community and the content is appropriate.

Among the most important features renters look for when searching for a new apartment, according to the survey: Square footage, storage space, ideal floor plans, pools and fitness centers, updated kitchen appliances, and the ability to pay rent online.

Among the other findings in the Apartment Guide survey:

  • Communities are increasingly turning to Facebook, Twitter and other social media channels to keep the lines of communication open with residents.
  • More and more communities are making their listings available for mobile, so prospective renters can search for the perfect apartment from their smartphones or tablets.

What else can renters expect to see from apartments in the future? We’ve got some ideas:

What sorts of improvements would you like to see in apartments?

Photo credit: Opera Tower, Miami, FL

Posted in: Home Loans Guide Tagged: About, actual, advice, All, apartment, Apartment Living, apartment tips, apartment-community, apartments, appliances, best, communication, country, Credit, facebook, Featured, Features, Financial Wize, FinancialWize, fitness, fl, floor, floor plans, future, guide, Housing, Housing market, ideas, improvements, in, Invest, kitchen, kitchen appliances, landlords, Learn, Listings, Living, Make, making, market, Media, Miami, mobile, More, new, new apartment, or, Other, percent, plans, property, property managers, ratings, Rent, renters, Reviews, search, searching, social, Social Media, space, square, square footage, storage, survey, time, tips, Twitter

Apache is functioning normally

June 1, 2023 by Brett Tams

Austin-based rent reporting fintech Boom announced on Wednesday that it has raised $4.5 million in a seed round to improve user experience, expand its product offerings and market its app to customers. 

The seed round was led by Chicago-based venture capital fund Starting Line, followed by Clocktower Technology Ventures, Company Ventures, Gilgamesh Ventures, and Plaid co-founders William Hockey and Zachary Perret. This latest round of funding follows a $800,000 pre-seed round. 

“We’re gonna do three things with the resources: improve the core product of rent reporting; launch a couple of new products in the pipeline; and go to market, as we haven’t done any consumer and landlord marketing,” Rob Whiting, CEO and co-founder, said in an interview.  

Boom’s app was launched in late 2021 to allow users to build credit using rent payments, which are typically their largest monthly expense. Boom reports the information to the three credit bureaus: Experian, Equifax and TransUnion. 

Subscribers pay $24 a year for the app services, and customers link the app to their bank accounts so that the rent payments will be verified every month. While Boom does not work with users that have “handshake” rent agreements, it can verify whether customers pay rent to a relative, friend or roommate by checking wire transfers and the lease agreement, for example.   

According to the company, users see an average increase of 28 points to their credit scores within two weeks of using the app when making their rent payments accordingly. The company says it’s offering its core product at a price 70% lower than its competitors. 

Boom says it has between 15,000 and 20,000 subscribers and has attracted partnerships with major industry players such as Progressive, Apartment List, and national property management companies.

On-time rent payments have become another piece of the mortgage underwriting process in the U.S. over the last two years. 

In September 2021, Fannie Mae incorporated customers’ rent payments into its underwriting system, known as Desktop Underwriter. Freddie Mac adopted the same initiative in June 2022. 

A study by the Urban Institute found that Black households have the most to gain by including rent payments in mortgage underwriting.

Source: housingwire.com

Posted in: Mortgage, Refinance Tagged: 2021, 2022, agreements, apartment, app, Austin, average, Bank, bank accounts, black, build, build credit, CEO, chicago, companies, company, couple, Credit, Credit Bureaus, credit score, credit scores, Desktop Underwriter, Equifax, expense, experian, experience, Fannie Mae, Financial Wize, FinancialWize, Fintech, Freddie Mac, fund, in, industry, interview, landlord, launch, lease, list, LOWER, making, market, Marketing, Mortgage, new, or, Origination, Partnerships, payments, points, price, products, property, property management, Proptech, Rent, rent payments, roommate, september, Single-Family Rentals, Technology, time, TransUnion, Underwriting, Urban Institute, Venture Capital, will, wire transfers, work

Apache is functioning normally

June 1, 2023 by Brett Tams

Imagine a situation where you could transform your mortgage into a more favorable and empowering financial tool. Picture the possibilities of accessing the equity in your property or securing lower interest rates. Welcome to the world of mortgage refinancing. Refinancing your mortgage is like hitting the reset button on your home loan, allowing you to replace your current mortgage with one that better aligns with your financial goals. The general rule of thumb is that you’ll pay between 2% and 6% of the refinance value. Here’s how it breaks down.

For help figuring out how to refinance your mortgage in a way that works for you, consider working with a financial advisor.

Mortgage Refinances Basics

A mortgage refinance refers to the process of replacing an existing mortgage with a new one, typically to take advantage of more favorable terms or to access equity in a property. Refinancing means receiving a new loan to pay off your current loan and obtaining a lower interest rate, longer loan duration, or a different type of mortgage. For instance, you might refinance your fixed-rate mortgage to a 5/1 adjustable-rate mortgage (ARM) for a lower interest rate.

Remember, although mortgage refinancing can provide a more favorable loan, it involves closing costs and fees. As a result, it’s essential to calculate whether the potential savings or benefits outweigh the expenses over the long term.

Average Cost to Refinance a Mortgage

Refinancing a mortgage means paying for the loan servicing required for your original mortgage. While the average refinance costs 2% to 6% of your loan amount, costs vary depending on your circumstances. In addition, interest rates have risen in the last two years, making borrowing more expensive.

Here’s a breakdown of refinancing costs:

  • Application fee: $0-$500
  • Attorney fees: $500-$1,000
  • Credit report fee: $10-$100
  • Discount points: 0%-3%
  • Document preparation fee: $50-$600
  • Flood certification: $15-$25
  • Home appraisal: $300-$700
  • Home inspection: $300-$500
  • Origination fees: 0.5%-2%
  • Recording fees: $25-$250
  • Reconveyance fee: $50-$65
  • Tax service: Varies
  • Title insurance and search: $400-$900

Factors Affecting Refinance Costs

Refinancing your mortgage can save you a significant amount of money. However, it’s critical to note that, similar to acquiring a new home loan, a refinance entails closing costs that can impact your immediate and long-term financial situation. Compared to closing on a comparable purchase loan, the closing costs for a refinance are generally lower. The precise amount you’ll be required to pay depends on various factors, such as:

Your Loan Size

As mentioned above, lenders base mortgage insurance and other costs on your total loan amount. Therefore, the larger your loan, the higher the refinance cost.

Your Lender

Each lender has its own fee structure. For example, some lenders may waive your credit report or application fee. As a result, it’s wise to shop around for lenders and ask for a summary of fees before committing to a specific lender. This way, you can compare the offers available.

Your Location

Costs of home inspections, recording fees, taxes and more depend on your location. Therefore, where you live can change your refinance costs by hundreds or thousands of dollars.

Your Credit Score

Your credit score and history demonstrate your consistency and reliability as a borrower. As a result, your lender charges lower interest rates to customers with higher credit scores because they present less risk. On the other hand, a low credit score means you’ll pay more interest, increasing your refinancing costs.

Your Home Equity

Similarly, home equity can also impact the interest rates available when refinancing. Generally, lenders offer better rates to borrowers with higher levels of equity. With more equity in your home, you represent less risk to the lender, which can result in more favorable interest rate options.

In addition, the loan-to-value ratio (LTV) is a crucial factor lenders consider when evaluating a refinance application. You can calculate it by dividing the loan amount by the property’s appraised value. Lenders typically have maximum LTV ratios they are willing to accept. For example, if a lender has a maximum LTV of 80%, they will only refinance up to 80% of the home’s appraised value. So, if your original mortgage required private mortgage insurance (PMI) because you had a low down payment or a higher LTV ratio, refinancing can help you eliminate PMI. Building equity to achieve an LTV ratio of 80% or less can eliminate PMI, reducing your monthly payment.

Your Loan Duration

Refinancing means receiving new terms for your loan. For example, you might extend your loan by five years or more through a refinance. Although doing so can lower your monthly payment, it usually increases the amount of interest you pay over time. On the other hand, shortening your loan duration means paying it off more quickly, reducing paid interest.

Your Type of Mortgage (Fixed-Rate or Adjustable-Rate)

With a fixed-rate mortgage, the interest rate remains constant throughout the entire loan term. The rate you agree upon at the beginning of the loan remains unchanged over the life of the mortgage, whether over 15, 20, or 30 years. This stability allows you to have predictable monthly mortgage payments, making budgeting easier. The downside is your interest rate is permanent, even if market trends in the future produce lower interest rates.

In contrast to fixed-rate mortgages, adjustable-rate mortgages (ARMs) have an interest rate that can change periodically. Typically, an ARM has an initial fixed-rate period, such as 5, 7, or 10 years, during which the interest rate remains stable. This rate is usually lower than fixed-rate mortgages. Then, after the initial period, the interest rate can adjust periodically based on an index, such as the U.S. Treasury rate. Therefore, the interest rate can fluctuate over time, potentially resulting in higher or lower monthly payments. If interest rates rise, your payments may increase, but if rates fall, your payments could decrease.

Your Specific Mortgage Program

In addition, you’ll pay different amounts for mortgage insurance depending on the loan type. For instance, mortgage insurance for conventional loans costs 0.15% to 1.95% of the loan amount every year. For FHA loans, you’ll pay a 1.75% premium upon closing and 0.15% to 0.75% of the loan amount every year. VA loans have a funding fee at closing of 0.5% to 3.6%. Lastly, USDA loans have a 1% upfront fee and a 0.35% annual fee.

Your Type of Property

The type of property you own can impact the refinancing process. Lenders may consider different factors and have specific guidelines based on the property type. Here are a few ways the property type can affect a refinance:

  1. Primary Residence: Refinancing a primary residence typically offers the most favorable terms and options. Lenders may provide lower interest rates and more flexible terms for primary residences because borrowers prioritize them over other real estate and assets.
  2. Investment Property: Refinancing an investment property, such as a rental property or vacation home, often comes with slightly higher interest rates and stricter eligibility requirements. Lenders may impose stricter debt-to-income ratios, require larger down payments and assess the property’s rental income potential to determine the feasibility of the refinance.
  3. Condominiums: Refinancing a condominium may have specific requirements. Lenders may assess the financial health of the condominium association, including factors such as the percentage of owner-occupied units, insurance coverage and reserve funds. Additionally, lenders may have stricter appraisal requirements for condos to ensure the property’s value and marketability.
  4. Multi-Unit Properties: Refinancing a multi-unit property, such as a duplex, triplex, or apartment building, may involve different considerations. Lenders typically evaluate the property’s rental income potential, occupancy rates and the borrower’s experience as a landlord. The appraisal process may focus on the property’s income-generating capabilities.
  5. Manufactured or Mobile Homes: Refinancing a manufactured or mobile home may have specific requirements and considerations. Lenders may have stricter criteria for these types of properties due to their unique characteristics. They may require specific certifications, consider the property’s foundation and location and have limitations on the loan-to-value ratio.

Typical Cost Breakdown

Here’s an example of how these numbers work. According to a recent report by Freddie Mac, the average rate refinance is about $273,500. So, here’s how the costs look at percentages of the loan balance on average using the dollar figures introduced earlier:

  • Application fee: 0%-0.18%
  • Attorney fees: 0.18%-0.36%
  • Credit report: 0.003%-0.03%
  • Discount points: 0%-3%
  • Document preparation fee: 0.018%-0.2%
  • Home appraisal: 0.11%-0.25%
  • Home inspection: 0.11%-0.18%
  • Origination fees: 0.5%-2%
  • Recording fees: 0.009%-0.09%
  • Reconveyance fee: 0.018%-0.023%
  • Title insurance and search: 0.14%-0.33%

Additional Considerations

Here are several other aspects of refinancing a mortgage to contemplate before taking action:

Interest Rates Variations 

Interest is the foundation for how lenders make money on loans. As a result, it’s one of the primary expenses for refinanced mortgages. The rate is a percentage of your principal balance, and your monthly payment goes toward interest first, then the principal. As a result, a higher interest rate means you’re paying more for the cost of the loan and less on the loan itself, increasing the cost and requiring more time for repayment.

Choosing Between Fixed-Rate and Adjustable-Rate Mortgages

Remember, a fixed-rate mortgage offers an interest rate that doesn’t change throughout the loan. This feature offers predictability for monthly payments until you repay the loan. On the other hand, adjustable-rate mortgages (ARMs) have interest rates that shift according to market trends after the initial fixed period. The advantage of ARMs is that your initial rate is usually lower than fixed-rate mortgages, and the adjustable rate afterward could also remain lower, increasing your savings.

Potential Savings Over the Long Term

How long you plan to live in your home is another crucial factor regarding refinancing. The refinancing process entails paying closing costs, which can outweigh the savings the interest rate reduction provides. Therefore, it’s best to estimate how long you plan to stay in your home to determine if you can break even or save money through refinancing. One method is to calculate the break-even point by dividing the total cost of the refinance by your monthly savings.

For example, say you save $100 per month, and the closing costs amount to $5,000. In this case, it would take approximately 50 months (or over four years) before you experience savings on your refinance. If you intend to stay in your home for longer than that, refinancing is worthwhile.

Loan-To-Value Ratio (LTV)

The eligibility of your mortgage for refinancing is influenced by the current value of your home compared to the loan amount. During the refinancing process, an independent party appraises your home to determine its market value. The appraised value is critical since the LTV usually can’t exceed 80%. If your home’s value has declined since you purchased it, you might lack sufficient equity to refinance, or you may need to bring additional funds to cover the difference between the home’s value and the loan amount.

Income Stability and Debt-To-Income Ratio

Other debts besides your mortgage, such as car loans or credit card debt, can impact your ability to refinance or the interest rate you receive. Lenders evaluate your debt-to-income ratio when you apply for a refinance. To calculate this ratio, divide your monthly debt payments by your gross monthly income. Generally, a debt-to-income ratio below 43% is desirable for mortgage or refinance qualification.

In addition, your current income and employment status, will influence the refinancing application. Specifically, changes in your income or employment can affect your refinancing eligibility. For instance, you may qualify for a better rate or more favorable terms if your income recently increased.

Conversely, suppose your income has decreased or you recently changed jobs. In that case, the refinancing process may be more challenging, depending on the duration of your current job or the extent of the income reduction. If you’ve recently started a new job, giving your situation several months to stabilize before attempting to refinance can help you qualify for a loan.

Cash-Out Refinance

Freddie Mac’s most recent report shows that 41.9% of refinances in 2021 were cash-out refinances. A cash-out refinance means liquidating a portion of your equity, putting thousands of dollars in your pocket. Homeowners cash out their equity for numerous purposes, such as improving the home, paying off debt, or starting a business. As a result, this refinance enlarges your mortgage, and you get a lump sum in return.

Strategies to Minimize Refinance Costs

Because refinancing can be expensive, it’s recommended to reduce costs as much as possible. This way, excessive fees won’t ruin the benefits of the refinance. These strategies can help you do so:

Shopping Around for Lenders

The whole lending market is open to you when refinancing. Although refinancing with your current lender might be convenient, you could find better rates and terms by getting quotes from several lenders and comparing the offers. This way, you’ll get the best deal available and save money on fees and interest.

Negotiating Fees and Closing Costs

Negotiating fees and closing costs with the lender is also an option. Many fees have wiggle room on the price, so asking lenders about discounts and waivers can be fruitful. In addition, a preexisting relationship with a lender, such as having a bank account or loan beforehand, allows you to access special deals.

Utilizing Mortgage Points

Lastly, you can purchase mortgage points to reduce your interest rate. Typically, they cost 1% of the loan amount per point. As a result, you can cut your interest rate down by paying several thousand dollars up front, reducing interest payments over time. It’s crucial to calculate when you break even if you do so. For example, say you spend $1,500 to lower your interest rate by 1%, lowering your monthly payment by $50. In this scenario, it will take 30 months to break even.

Hidden Costs to Be Aware Of

In addition, some refinancing costs are less apparent when shopping lenders. Here’s what to keep an eye out for:

  • Loan duration and its impact on costs: Generally, the longer the repayment schedule, the more expensive the loan. Your loan duration affects how long the interest rate builds upon the principal. So, repaying the loan faster means fewer compounding periods, which equates to less interest accrual.
  • Tax implications: Both original and refinanced mortgages provide a tax deduction for paid interest. In addition, purchasing points for a refinance loan creates another tax deduction. Specifically, you’ll divide what you paid over the number of years for the loan. So, paying $1,000 for a mortgage point for a 10-year loan results in a $100 deduction every year.
  • Costs associated with mortgage insurance: Refinancing with a conventional loan can incur mortgage insurance costs if you have less than 20% equity in your home. Specifically, private mortgage insurance (PMI) charges a percentage of your loan amount. These charges can occur at closing and each month as part of your loan payment.

The Bottom Line

Mortgage refinancing can benefit homeowners by allowing them to take advantage of more favorable terms and access equity in their property. However, it’s vital to carefully consider the costs involved in the refinancing process and determine whether the potential savings or benefits outweigh these expenses in the long term. As a result, it’s necessary to understand how numerous factors, including the loan amount, origination fees and discount points, can impact the overall cost of refinancing and evaluate the potential savings. Other considerations include the option of a cash-out refinance, which allows homeowners to access their equity, and using strategies to minimize refinance costs.

Tips for Refinancing a Mortgage

  • It’s a good idea for homeowners to analyze their financial situation and goals before refinancing their mortgage. Fortunately, you can consult with a financial advisor to evaluate your circumstances and make informed decisions that align with your long-term plan. Finding a qualified financial advisor doesn’t have to be hard. SmartAsset’s free tool matches you with up to three vetted financial advisors who serve your area, and you can have a free introductory call with your advisor matches to decide which one you feel is right for you. If you’re ready to find an advisor who can help you achieve your financial goals, get started now.
  • The real estate market fluctuates daily, making it challenging to understand when refinancing is beneficial. You can get an interest rate estimation using SmartAsset’s rate comparison tool to see if the market conditions suit you.

Photo credit: ©iStock/cnythzl, ©iStock/Daenin Arnee, ©iStock/dusanpetkovic

Source: smartasset.com

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Apache is functioning normally

June 1, 2023 by Brett Tams

This is a guest post from Katy Wolk-Stanley of The Non-Consumer Advocate, a blog about frugality, food waste, environmentalism, simple living and finding thrift-store bargains. She describes herself as a “mother, utility bill scholar, laundry hanger-upper, library patron, frequent napper, and Buffy enthusiast.” When not blogging (or napping) Katy works as a high-risk labor and delivery nurse. Katy’s blog has been featured in many major media outlets, including The National Enquirer, which featured Whitney Houston suffering from “Cocaine and Booze Binges” on the cover. She couldn’t be happier.

The subject of minimalism (and blogging about minimalism) is currently hotter than Megan Fox before her last round of plastic surgery. And if the plethora of minimalism blogs is any indication, it’s just a matter of weeks until we all live in spartan homes surrounded by our 100 lovingly-chosen personal items. And as much as I joke, there’s nothing wrong with being deliberate and thoughtful about the things we surround ourselves with, but I have to wonder: When is too little, too much?

I mull over the “is less more?” quandary on a regular basis, but I began over-thinking the subject when Naomi Seldin of Simpler Living posted a piece about the wit and wisdom of Nate Berkus. (Berkus is Oprah’s protégé and personal decorating guru.) It included this quote:

For a long time I was hell-bent on clutter-free living. I was a ruthless editor when it came to my possessions, to the point where my homes were very sparse, very minimal. Then I realized that’s not who I am. I wanted to be surrounded by things that moved me. I wanted to have tabletops piled with books and shells and candles. But it took me a while to let go of this very rigid idea I had, of what my space should look like. Once I started letting stuff in, I really started making a home for myself.

I live in a 96-year-old craftsman-style house and have garnered great pleasure fixing it up and filling it with appropriate period Stuff. At the same time, I’ve fought a constant battle with clutter and excessive belongings. It’s not a monetary issue (as I am the thrift-store goddess), but apparently I lack an organized brain. That, plus I’m just one of four inhabitants in this house, all of whom possess differing ideas about what should stay and what should go.

I read a few of the minimalism blogs, specifically Rowdy Kittens, Simpler Living and occasionally Zen Habits. I also enjoyed reading Dave Bruno’s 100 Thing Challenge: How I Got Rid of Almost Everything, Remade my Life and Regained my Soul. But even Bruno is not shy to admit that he’s upped his belongings number now that his official yearlong experiment is completed.

Tammy Strobel of Rowdy Kittens and I are friends, and I’ve been to her apartment a number of times. (In November, Tammy wrote about pedaling toward financial freedom here at GRS.) She and her husband Logan both practice a 100 things challenge, and their home reflects this choice. There are no shelves crammed with books and knick-knacks. There’s a dearth of rugs, extraneous furniture, collectibles, and the other ephemera that clutter typical American homes. It may sound impersonal, but it actually works perfectly for the space they’ve chosen for their home.

My 12-year-old son’s room used to be filled with so many toys, games, stuffed animals, art supplies, books, pillows and Legos that it made keeping it tidy an impossibility — and often a hazard. But he and I have gone through a few rounds of decluttering that have transformed his room from war zone to peaceful meadow. I’m happy that my son now has a room where play and study can happen, but I worry that he was too ruthless in his quest for order, and that he will later regret his decisions.

I’m currently amassing a garage sale stash in my basement, and plan to recruit his services when it comes time to order the mayhem. I expect (and frankly, hope) that my son will re-appropriate a few of his personal possessions. Going from too many to not enough without a middle ground seems too fast, too soon, too much.

My older son’s room is more typical of what one would expect from an American teenager, with strewn clothing, papers, knick-knacks and miscellaneous crap littering every horizontal surface. I let it go, as it’s not my room.

I asked my Twitter followers if they had any thoughts about minimalism going too far, and this was the response:

  • DakotaGale: “re: minimalism, focusing on the # of possessions accomplishes little. Focus on the quality of the possessions – not <50!”
  • MarianneKthleen: “When you have given up so much you have lost the joy in some things.”
  • FeathrdFriendsy: “I think it’s a great topic. Taking any behavior to the extreme can be damaging and unhealthy. And nobody ever seems to address taking healthy behaviors too far.”
  • gleanorganics: “Making everything yourself all the time so that your passions become chores – no point in losing happiness over it.”
  • mile73: “Thoughts on that. Favorite old clothes? Baby blankets? Keep? Or is empty space (mental physical) as valuable & important?”

Extreme minimalism is akin to extreme frugality: It works for some people, but robs others of life’s dear enjoyments.

I wouldn’t be comfortable living in a home without my cool Stuff. I’m drawn to the William Morris quote that Claire shared in her reader story last weekend: “Have nothing in your houses which you do not know to be useful or believe to be beautiful.” And I guess it turns out that I see beauty in a lot of stuff.

Do you think minimalism goes too far? Or does the minimalist movement appeal to you? Please share your thoughts in the comments below.

“Use it up, wear it out, make it do or do without”

Source: getrichslowly.org

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