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Apache is functioning normally

June 4, 2023 by Brett Tams

Boasting a magical blend of culture, history and academia, Wisconsin is home to some of the finest college towns in the country.

From bustling city centers to quaint rural communities, these towns brim with youthful energy and a passion for learning. Let’s embark on a journey to explore some of the best college towns in Wisconsin, where we’ll discover Madison, Appleton, De Pere, Milwaukee and Eau Claire.

Memorial Union Terrace in Madison, Wisconsin

As Wisconsin’s capital city, Madison is also home to the University of Wisconsin-Madison, making it the epicenter of collegiate life in the state. This picturesque city benefits from a stunning location nestled between two sparkling lakes and is home to a diverse community teeming with creativity and innovation. As one of the best college towns in Wisconsin, Madison caters to the needs of students, residents and visitors alike, with an abundance of restaurants, shops and entertainment options. From biking and kayaking along the miles of shoreline to perusing the eclectic shops and eateries on State Street, there’s always something to do in this bustling city.

The heart and soul of Madison’s college scene is the iconic Memorial Union Terrace (pictured above), a lakeside gathering spot where students and locals alike can enjoy live music, outdoor movies and delicious local fare. If art and culture are more your speed, don’t miss the Chazen Museum of Art or the Wisconsin Historical Museum. Madison’s rich history and progressive atmosphere make it one of the top college towns in Wisconsin and is perfect for students seeking a well-rounded college experience.

Aerial view of the Lawrence University campus in Appleton, Wisconsin

Home to Lawrence University, Appleton is a charming city that harmoniously blends its history with a modern atmosphere. This college town is nestled along the Fox River, where the abundant natural beauty provides a serene backdrop for the city’s bustling downtown area. Appleton’s arts scene, supplemented by the Fox Cities Performing Arts Center and Trout Museum of Art, makes it one of the best college towns in Wisconsin for students with an appreciation for culture and creativity.

Appleton’s picturesque downtown is lined with unique shops, delicious dining options and lively entertainment venues, ensuring there’s never a dull moment. In addition to its thriving downtown, the city’s historic sites, such as the Hearthstone Historic House Museum and the Atlas Science Center, offer a fascinating glimpse into the area’s past. Appleton’s commitment to preserving its heritage while embracing the future makes it a standout among college towns in Wisconsin, perfect for students seeking a blend of old-world charm and contemporary activity.

Gate house on the water in De Pere near the St. Norbert College campus

Located just south of Green Bay, De Pere is a quaint and idyllic college town that’s home to St. Norbert College, a private liberal arts institution. The Fox River meanders through the heart of this cozy community, providing a picturesque setting for students and locals to enjoy outdoor activities like walking, biking and fishing. De Pere’s small-town charm and friendly atmosphere undoubtedly make it one of the most inviting college towns in Wisconsin.

De Pere’s historic downtown district is a treasure trove of boutique shops, cozy cafes and unique eateries, where seasonal students and year-round locals alike can indulge in unique flavors and discover one-of-a-kind finds. The De Pere Riverwalk and Wildlife Viewing Area offers a peaceful retreat from the hustle and bustle and the community’s commitment to the arts is evident in the events and performances hosted at the charming St. Norbert College. If you’re looking for a college town in Wisconsin that offers a tight-knit community and a serene environment, De Pere is the perfect fit.

Downtown Milwaukee near the Marquette University campus

Affectionately known as ‘Brew City,’ Milwaukee is Wisconsin’s largest city and home to several higher education institutions, including the University of Wisconsin-Milwaukee, Marquette University and Milwaukee School of Engineering. This bustling metropolis is a diverse environment that caters to students seeking an exciting, city-based college experience. Milwaukee’s lively arts and culture, combined with its beautiful lakefront location, make it one of the best college towns in Wisconsin for students craving a dynamic atmosphere while they pursue their degrees.

Milwaukee has a plethora of entertainment options, from the iconic Harley-Davidson Museum to the historic Pabst Theater and so much more. Foodies will find no shortage of delectable dining options, as the city boasts a wide variety of restaurants, breweries and food trucks, serving up everything from traditional Wisconsin fare to global cuisines. Milwaukee’s unique blend of urban excitement and Midwestern charm makes it a standout among college towns in Wisconsin, perfect for students eager to experience city life during their college years.

Aerial view of Eau Claire near the University of Wisconsin-Eau Claire campus

As a bonus, we’ll introduce you to Eau Claire, a vibrant city that’s home to the University of Wisconsin-Eau Claire. Known for its strong arts and music scene, Eau Claire boasts a rich cultural heritage that permeates the entire community. From the stunning Pablo Center at the Confluence to the numerous music festivals held throughout the year, Eau Claire’s creative spirit makes it a standout among Wisconsin college towns.

The city’s lively downtown area offers a wide variety of shopping, dining and entertainment options for students and locals alike. Outdoor enthusiasts will appreciate the city’s extensive network of parks and trails, including the beautiful Chippewa River State Trail and Putnam Park. Eau Claire’s thriving arts scene, coupled with its commitment to sustainability and community engagement, make it a top choice for students seeking a well-rounded college experience in Wisconsin.

Welcome to your Wisconsin college town

With their rich histories, youthful communities and top-notch educational institutions, these college towns in Wisconsin offer an unforgettable college experience. From bustling cities like Milwaukee to charming small towns like De Pere, there’s a perfect fit for every student in the Badger State.

Source: rent.com

Apache is functioning normally

June 4, 2023 by Brett Tams

ESSA Bank & Trust will pay over $3 million to resolve redlining allegations, the Department of Justice announced Wednesday evening.

The Stroudsburg, Pennsylvania-based bank, from 2017 to 2021, did not sufficiently serve the credit needs of majority-Black and Hispanic neighborhoods in and around Philadelphia by “failing to provide mortgage lending services” and “discouraging such borrowers,” the DOJ alleges. The city has a history of redlining practices that goes back to the 20th century.

Per a consent order, which is subject to court approval, ESSA will invest $2.92 million in a loan subsidy fund to increase access in minority neighborhoods, $125,000 on community partnerships and $250,000 on outreach and consumer financial education efforts.

At least 50% of the subsidy fund must be used for consumers applying for loans in majority-Black and Hispanic census tracts within a five mile radius of the bank’s Upper Darby and Lansdowne branches, the court order said.

Additional stipulations of the order require the bank to hire two new mortgage loan officers to serve its existing branches in West Philadelphia, and for ESSA to conduct a research-based market study to identify the needs for financial services in communities of color. These requirements will stay in effect for five years.

ESSA’s President Gary Olson said he “vehemently [denies] the government’s allegations of redlining” but added that the company “cooperated expeditiously and fully with the investigation into this matter.”

Olson called the settlement a “constructive resolution to a dispute that has lasted several years.”

“We plan on using these loan subsidy funds to expand opportunities for qualified borrowers who can benefit from this assistance,” he added.

The now-settled allegations were brought to the attention of the DOJ by the Federal Deposit Insurance Corp. in June 2022, prompting the department to open an investigation on Aug. 15, 2022.

“Redlining in Philadelphia has deep roots, which has led decades of disinvestment in communities of color,” said Jacqueline C. Romero, U.S. attorney for the Eastern District of Pennsylvania, in a written statement.

“Accessing the American dream of owning your own home is possible only when there is equality for all in their opportunities to access lending in the residential mortgage markets,” she said. “We appreciate ESSA’s prompt cooperation with the department’s investigation.”

The settlement with ESSA is part of an interagency initiative involving the DOJ, the Consumer Financial Protection Bureau and the Office of the Comptroller of the Currency, which was launched in October 2021 by Attorney General Merrick B. Garland to combat redlining.

Since then, the DOJ has announced seven redlining cases and settlements totaling over $87 million in relief for communities of color, the department said. This includes a $9 million settlement with Park National Bank in March and a $31 million settlement with City National Bank in January, the largest in the department’s history.

Source: nationalmortgagenews.com

Apache is functioning normally

June 3, 2023 by Brett Tams

It’s almost mid-December, which means it is time for another round of mortgage and real estate predictions for the upcoming year.

I think it’s safe to say that 2021 has been another stellar year for both the mortgage industry and the housing market.

But it’s going to be hard to top or even match what we’ve experienced this year in terms of mortgage origination volume and home price gains.

However, the party might not be over yet, with additional home price gains on the horizon due to similar factors in play.

Let’s see what 2022 might have in store as we once again look into the crystal ball.

1. Mortgage rates will go up, but only slightly.

Experts have been calling this for years to no avail. We have been told year in and year out that the low mortgage rates are leaving the station.

But year after year, they remain. In 2022, I do expect them to rise somewhat, but not by a meaningful amount.

Sure, your 30-year fixed rate may go from 3% to 3.5%, but that’s not a huge jump. And any 30-year fixed in the 3s is generally very favorable.

It will put pressure on prospective home buyers who also have to grapple with rising home prices and a lack of inventory.

And it will certainly dent mortgage refinance demand, as most existing homeowners have already locked in a lower rate.

However, as I said in my 2022 mortgage rate predictions post, there will likely be opportunities during the year to snag a very low mortgage rate.

Why? Because the economy continues to be a bit of a mess and we’re still sorting out COVID. Until we put that stuff behind us, interest rates could swing in both directions.

2. Home prices will continue to rise a lot

Don’t be fooled by the old mortgage rates up, home prices down fallacy. There’s not a negative correlation, despite what everyone plainly assumes.

Both can go up at the same time, and that’s exactly what I expect to happen in 2022. Granted, mortgage rates will probably only rise slightly, while home prices will continue to surge.

For some reason, a new year gives folks new hope that a trend will simply come to an end.

But why would home prices just stop going up because it’s a new calendar year? The answer is they won’t.

As I’ve said before, the same fundamentals that have been at play for some time, continue to be in play.

There’s a severe lack of inventory and a surplus of would-be home buyers out there. It doesn’t take a genius to figure out what happens with prices.

When there’s a shortage of something people want/need, a premium must be paid until production ramps up.

Unfortunately, production (new home building) is still way behind and won’t catch up for a while.

In the meantime, expect more of the same, and higher 2022 home prices across the board.

The only difference is that estimates are all over the place, with some calling for just a 2.5% increase (CoreLogic) and others saying 11% (Zillow) or even 16% (Goldman Sachs) .

Personally, I’m bullish and going with the higher figures out there, but recognize gains will probably be lower in 2022 than they were this year.

3. Cash out refinances will finally get hot

cash out share

Housing pundits have been talking about the massive pile of collective home equity we’ve been sitting on for years now.

And it has only grown even larger since then, with equity levels the highest on record.

In short, American homeowners have a ton of equity in their properties that is ripe for tapping via a cash out refinance or a second mortgage, such as a HELOC.

But we have yet to see a massive cash out boom like the one experienced in the early 2000s housing market.

I expect cash out refis and HELOCs to have their day in the sun in 2022 as more and more homeowners realize how much their properties have appreciated.

Per Freddie Mac, about 42% of refinances resulted in cash out this year, which is up a bit from prior years, but nowhere close to the 80%+ share seen in 2006 and 2007.

Despite slightly higher mortgage rates, it may still be worth unlocking this valuable equity to pay for upgrades, college tuition, and other expenses.

After all, a 3% 30-year fixed rate is still phenomenal, and many homeowners can take out a large sum of money while keeping their loan-to-value (LTV) ratio very low.

And you can expect mortgage lenders to aggressively pitch this product now that rate and term refinances have mostly been exhausted.

4. The bidding wars will remain (and may even worsen)

It won’t get any easier buying a home next year. Even if mortgage rates are slightly higher, this won’t “bring prices down to earth.”

I keep hearing that line and it just doesn’t make any sense. Financing has never been the problem here. It’s always been a lack of supply.

And there will continue to be a lack of supply well into 2022, so why should competition be any less?

If anything, I could see more desperation fueled by these expected higher interest rates as buyers won’t want to miss out on their low rate too.

If you think about the last few years, at least mortgage rates were rock bottom. Now that you’ve got to worry about a rising rate and finding a home, the panic could be even more pronounced.

As always, prepare yourself adequately, start looking for a home immediately, and be aggressive if you want to win the bidding war.

Oh, and make sure you use an experienced real estate agent who knows how to get the job done.

5. Home sales volume will be flat or even lower next year

2022 home sales

While Redfin believes new listings will hit a 10-year high next year, I’m not so sure.

As much as there is motivation to sell a home due to sky-high asking prices, there remains the dilemma of where to go next.

Sure, you might be able to move to a different state, but those “cheap states” aren’t so cheap anymore.

At the same time, supply chain issues and a lack of workers is making it hard for home builders to ramp up supply of new homes.

Collectively, this will make it difficult for home sales to increase next year, as much as we all want to make a mint selling our homes.

This also reinforces the idea that home prices will continue to go up, and that the housing market will remain super competitive.

That being said, it will be a very lively housing market in 2022, just not one that necessarily sees a lot of growth.

6. Home buyers will continue to flock to new states

2022 hot housing markets

Yes, the cheap states aren’t so cheap anymore. But that won’t stop people from getting out of town.

Many young, prospective home buyers have been priced out of their local markets in California and other hot spots.

This, combined with the work-from-home new normal (sprinkle in some politics), will fuel a continuation of migration seen in recent years.

This means more folks from the Golden State will make the move to nearby states such as Arizona, Idaho, Nevada, Texas, and Utah.

While more affordable for them, it will exacerbate those local markets and make them more expensive for the people who already rent there.

Some of the hottest housing markets of 2022 include Salt Lake City, Utah, Boise, Idaho, Spokane, Washington, Indianapolis, Indiana, and Columbus, Ohio.

Basically any metropolitan area that was/is considered cheap and desirable will be less so next year as the out-of-state home buyers storm in.

So no matter where you happen to be, expect a fierce seller’s market.

7. First-time home buyers will purchase a second home or investment property (first)

This is an interesting one that I’m borrowing from Zillow because it’s seemingly odd, yet kind of savvy. And so 2021 and beyond.

Typically, a first-time home buyer will purchase a home to live in nearby where they work.

But because the real estate market is so hot and in such short supply, high-earning, cash-rich Millennials and Gen Zers may actually buy a second home or investment property instead.

The thinking is that they can get in on the real estate market by making an investment, even if it’s not in their overpriced backyard.

For example, a well-earning Gen Zer who lives in Santa Monica that may be priced out there could purchase a more affordable second home in Phoenix, Arizona, or an investment property in Las Vegas, Nevada.

Of course, this isn’t necessarily for the faint of heart, and this is exactly the type of thing that leads to trouble down the road.

But as long as mortgage lenders don’t get too careless with underwriting standards, it doesn’t signal the start of a housing crisis.

It does tell you just how crazy real estate has gotten though.

8. Home buyers will return to the city

condo search

While the suburbs have been hot in our post-COVID-19 world, I do believe more buyers will start to consider the city life again.

We will get through this pandemic, and once life returns to mostly normal, lots of folks will wish they owned in an urban center.

Prices in many once-hot areas close to lots of cool restaurants, bars, etc. have been deflated, but I expect that to reverse course in 2022.

The urban living trend isn’t going to disappear, even if more people work from home, or desire abundant outdoor space.

So look out for condo prices to see more price gains in 2022 and beyond, and play catch up with single-family residence gains.

There’s already proof in data here – Redfin noted that users filtered searches to single-family homes only (excluding condos/townhomes) in just 28% of searches in September.

That was down from a high of 37% in July 2020, when living in a city seemed unthinkable.

Condos also tend to appreciate the most at the tail end of a housing boom, which we could be approaching, so it all kind of makes sense.

9. There will be more layoffs, closures, and mergers

While there is some hope that cash out refis and home purchase loans will keep mortgage volumes afloat, it won’t be enough for all mortgage lenders out there.

For example, Freddie Mac is forecasting $2.1 trillion in home purchase origination in 2022, up from $1.9 trillion this year.

But also expects refinance origination volume to fall from $2.5 trillion to $995 billion. That’s gonna be a problem for the shops that specialize in refinances.

Ultimately, total volume dropping from $4.5 billion to $3 billion will be an issue and there’s no way around it.

As a result, you can expect more mortgage layoffs, similar to the Better.com layoffs, along with some outright closures.

I also believe there will be more consolidation in the fragmented mortgage market, with bigger banks and lenders swallowing up smaller ones.

10. The housing market won’t crash in 2022

I already said home prices will go up, but I’ll reiterate that the housing market won’t crash in 2022, either.

There is a large group of people who believe the housing market is due for a correction, mostly just because home prices have gone up a ton.

Sure, it’s easy to raise eyebrows these days when looking up what your house is worth, or your neighbor’s.

But that alone isn’t enough to make them reverse course, especially when there is a continued, historic lack of supply.

Additionally, mortgage lenders have yet to return to the loose underwriting that dominated the space in the early 2000s, and ultimately created the mortgage crisis.

For me, that means another year of strong housing appreciation, and another year without a housing market crash.

At the same time, it does mean we will be one year closer to a crash, which as history tells us, is inevitable.

(photo: Quinn Dombrowski)

Source: thetruthaboutmortgage.com

Apache is functioning normally

June 3, 2023 by Brett Tams

Known for its natural beauty and rich history, West Virginia also boasts some of the most charming college towns in the country.

The West Virginia college towns featured in this article are full of life, culture and excitement, providing students and longtime locals alike with a truly stellar quality of life. From the Appalachian charm of Morgantown to the picturesque beauty of Shepherdstown, these towns have something for everyone.

Morgantown, West Virginia, the premier college town in the state

Nestled in the heart of the Appalachian Mountains, Morgantown is home to West Virginia University (WVU). With its lively arts scene and ample outdoor recreational resources, Morgantown is the perfect blend of urban sophistication and rustic beauty. As you wander through downtown, you will find a variety of unique shops, cafes and restaurants, many of which proudly display their support for the WVU Mountaineers.

The annual FallFest and Gold and Blue Games are just a few of the exciting events that showcase the strong community spirit in Morgantown. Whether you’re looking to explore the scenic trails at Coopers Rock State Forest or attend a lively concert at the Metropolitan Theatre, Morgantown offers countless unique experiences for residents and visitors alike.

Morgantown’s rich history is evident in its well-preserved historic districts, like Woodburn Circle and South Park. The Morgantown Personal Rapid Transit system provides easy access to the WVU campus, making it convenient for students to commute between classes and explore the town. With various festivals, including the West Virginia Wine and Jazz Festival and the Morgantown Art Walk, the city is an exciting destination for art lovers and foodies. As one of the most iconic college towns in West Virginia, Morgantown guarantees a memorable experience for all who visit.

Bridge into Shepherdstown, WV near the Shepherd University campus

Located along the Potomac River, Shepherdstown is home to Shepherd University. This quaint, historic town is known for its charming streets lined with brick sidewalks, beautiful 18th and 19th-century architecture and thriving arts scene. The town’s rich history is evident in landmarks like the Rumsey Monument, which commemorates the achievements of James Rumsey, an inventor and a resident of Shepherdstown. The Shepherdstown Opera House, which dates back to 1910, is another historic site that continues to be a hub for arts and entertainment.

The Shepherdstown community comes together throughout the year for various events and festivals, including the Contemporary American Theater Festival, the annual Appalachian Heritage Festival and the popular Christmas in Shepherdstown celebration. Outdoor enthusiasts will appreciate the close proximity to the C&O Canal Towpath and the Appalachian Trail, providing ample opportunities for hiking, biking and enjoying the great outdoors.

A brick building on the Glenville State College campus

A small, friendly town in central West Virginia, Glenville is home to Glenville State College. The college is renowned for its academic programs in natural resource management, criminal justice and education. Glenville’s picturesque setting, surrounded by rolling hills and lush forests, offers a serene environment for students and outdoor enthusiasts to earn their degrees. Cedar Creek State Park, with its beautiful hiking trails, fishing opportunities and picnic areas, is a favorite among residents and visitors.

Glenville’s historic downtown district is a charming area featuring quaint shops, cozy restaurants and a beautiful courthouse square. The town hosts various events throughout the year, like the West Virginia State Folk Festival, which celebrates the state’s rich cultural heritage with traditional music, dance and crafts.

Street view of Huntington, West Virginia just off the Marshall University campus

Situated along the Ohio River, Huntington is home to Marshall University. Known for its artsy population and beautiful parks, Huntington provides an enriching experience for all who visit. The city’s downtown area, featuring the historic Pullman Square, offers a variety of shopping, dining and entertainment options. The arts scene in Huntington is showcased through venues like the Keith-Albee Performing Arts Center and the Clay Center for the Arts & Sciences, providing ample opportunities for cultural exploration.

Outdoor enthusiasts will find plenty to do in Huntington, with the beautiful Ritter Park and its picturesque walking trails, as well as the expansive Harris Riverfront Park along the Ohio River. The annual ChiliFest and the Huntington Music and Arts Festival are just a few of the exciting events that bring the community together, making Huntington one of the most lively college towns in West Virginia.

Downtown Buckhannon near the West Virginia Wesleyan College campus on a sunny day

Another charming college town in West Virginia, Buckhannon is home to West Virginia Wesleyan College. This picturesque town, nestled in the Appalachian Mountains, has a welcoming atmosphere and an array of outdoor activities. The historic downtown area, with its beautiful red brick streets and quaint shops, is the perfect place to spend an afternoon strolling and enjoying the local charm. Buckhannon is also known for its colorful murals that adorn several buildings throughout the town, adding a unique touch of artistry to the cityscape.

Outdoorsy types will appreciate the numerous parks in and around Buckhannon, like the Buckhannon River Walk, a beautiful trail along the river and the nearby Audra State Park, with its hiking trails and scenic beauty. The annual West Virginia Strawberry Festival, a week-long celebration of the town’s agricultural heritage, features live music, parades and delicious local treats, attracting visitors from near and far. Buckhannon’s small-town charm and natural beauty make it an ideal college town in West Virginia for students from all walks of life.

Welcome to your new West Virginia college town

These charming college towns in West Virginia, each with its own unique character, offer a variety of experiences for students and visitors alike. From the bustling arts scene in Morgantown and Shepherdstown to the tranquil beauty of Glenville and Buckhannon, the towns above provide the perfect setting for an unforgettable college experience. So, whether you’re considering attending one of these universities or simply looking for a new place to explore, don’t miss out on the opportunity to discover the best college towns in West Virginia.

Source: rent.com

Apache is functioning normally

June 3, 2023 by Brett Tams

Nonfarm payrolls were up 339k, well above the 190k forecast. At the same time, unemployment rose from 3.4% to 3.7%, well above the 3.5% forecast. How can these two numbers coexist and how does the market decide which one to believe?

The first thing to understand about “the jobs report” is that it is comprised of two separate data collection efforts. One is a survey of regular old people that relies on individual responses (aka “household survey”). The other is a more formal, more systematized reporting of the number of payrolls at various employers (aka “establishment survey”).

The unemployment rate is derived from the household survey and nonfarm payrolls (NFP) comes from the establishment survey. In today’s data they gave two completely different messages with NFP coming in at 339k vs forecasts calling for 190k and a previous reading of 253k (revised up to 294k). That’s a very strong showing.

But unemployment told a different story, rising to 3.7% from 3.4%–a fairly big jump relative to what we usually see.

So who’s lying?

These two data collection efforts are absolutely massive. They are also highly regarded in terms of data integrity. In other words, the average investor has complete confidence that the Bureau of Labor Statistics is publishing the exact same data it collects.

Issues arise for a few reasons (sampling error, changes in seasonal adjustment factors, etc), but let’s focus on the simple issue of “noise.” Sure, NFP was much stronger, but it continues to trend lower.

20230602 open3.png

One other way to capture this trend would be to use a moving average:

20230602 open2.png

The chart above begins to clue us in to another big issue for this data: the labor market is still very much in the recovery phase from a truly unprecedented shock. How unprecedented? It’s easy to appreciate when we zoom out to include the full scale for the chart above:

20230602 open.png

In other words, NFP and U/E (unemployment) are still finding themselves after being lost in the woods.

So why is the bond market weaker today if unemployment went higher? That’s a simple answer: market participants trust NFP much more than U/E to be a generally better early indictor of broad shifts in the labor market. Charts show why. Take the dot com recession as the first example of NFP clearly leading the way lower well before U/E. NFP bottomed almost 2 years earlier and peaked almost 3 years earlier on the other side of the recession.

20230602 open6.png

Similar patterns hold true for the adjacent economic cycles.

20230602 open5.png

20230602 open4.png

What about some quick and easy explanation for the divergences in today’s data? Could it be that an excess of multiple job holders inflated NFP (every job they have counts as a payroll). And could this in turn mean the labor market is weaker than it seems? Probably not. The multiple jobholder category actually tends to rise when things are going well for the labor market, despite all the spin suggesting otherwise.

20230602 open8.png

Moreover, as a percentage of the total, there’s not even a clear trend when it comes to multiple jobholders and economic cycles.

20230602 open7.png

Source: mortgagenewsdaily.com

Apache is functioning normally

June 3, 2023 by Brett Tams

As an Amazon Associate I earn from qualifying purchases.

DC-apartments-with-all-utilities-included

This post was updated June 2023

With most rentals, the phrase, “all utilities included” means the building or landlord pays for water, sewer, trash, electric, heat, and gas. One of the best ways to keep your housing budget in check and predictable is to rent an apartment with all utilities included. Read more…

Apartments-with-all-utilities-included-Baystate-Apartments

Baystate Apartments

1701 Massachusetts Ave NW
Washington, DC 20036

Are you in search of apartment features that evoke a sense of storytelling and capture the essence of a captivating book? Look no further than The Baystate, where we offer stunning studio apartments in various floor plans. What’s more, all utilities are included, relieving you of any worries about additional bills.

Situated in the vibrant Dupont Circle neighborhood of Washington, DC, The Baystate places you just two blocks away from a world of local culture and flavors. Immerse yourself in the fascinating surroundings and discover the hidden gems that await. Plus, with the convenience of the Red Line Metro within walking distance, the entire city of Washington, DC becomes easily accessible for exploration.

At The Baystate, you’ll find subtle touches of extraordinary in your everyday life. Indulge in the charm of our thoughtfully designed apartments, where every corner tells a unique story. Experience the convenience of having all utilities included, providing you with a hassle-free living experience. Allow yourself to be enchanted by the enchanting allure of The Baystate.

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2800 Woodley

2800 Woodley Ave NW
Washington, DC 20008

Welcome to 2800 Woodley, where you’ll find a variety of large floor plans designed to suit your lifestyle. Each apartment offers ample closet space, central air conditioning, and stunning hardwood floors that exude elegance. The unique touches, including expansive windows and a secretarial desk, add a touch of charm to your new home.

Nestled on a tranquil side-street, 2800 Woodley provides a serene living environment while being just steps away from the vibrant heart of Woodley Park. Immerse yourself in the neighborhood’s captivating ambiance, with a plethora of popular restaurants and trendy shops within easy walking distance. If you’re in the mood for a change of scenery, simply hop on the Metro from the nearby Woodley Park station, and the entire city of D.C. is at your fingertips.

2800 Woodley offers the perfect blend of convenience and comfort, making city living a breeze. Enjoy the tranquility of your surroundings while relishing the easy access to all that Washington, D.C. has to offer. Experience the best of both worlds at 2800 Woodley.

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Brunswick House

1414 17th St NW
Washington, DC 20036

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Cambridge Square Apartments

4909 Battery Lane
Bethesda, MD 20814

As Downtown Bethesda flourishes, Cambridge Square stands proudly at the center of it all, offering a hidden gem of a property nestled against a tranquil park setting. Immerse yourself in the array of new and exciting shopping and dining options that surround you, while enjoying the utmost convenience.

Cambridge Square presents an effortless commute to Washington, D.C. via the nearby Bethesda Metro Station, connecting you seamlessly to the heart of the capital. Whether you seek the bustling energy of the city or the tranquility of nature, Cambridge Square caters to your desires.

Discover the spacious and affordable one, two, three, and four-bedroom apartment homes available for rent at Cambridge Square. Each thoughtfully designed floor plan features large walk-in closets and elegant hardwood flooring, offering both functionality and style.

Experience the perfect blend of convenience, affordability, and comfort at Cambridge Square. Embrace the dynamic growth of Downtown Bethesda while enjoying the peaceful retreat of your home. Cambridge Square invites you to indulge in the best that this thriving community has to offer.

All-Utilities-Included-DC-Apartments-Hampton-Courts-Apartments

Hampton Courts

2013 New Hampshire Ave NW
Washington, DC 20009

Immerse yourself in the timeless charm of Hampton Courts, a meticulously crafted architectural masterpiece constructed in 1926. This historic building exudes the allure of early 20th-century design, captivating you with its elegant appeal.

At Hampton Courts, modern amenities blend seamlessly with classic architecture. The building features two elevators for your convenience, a controlled intercom entrance ensuring security, and a well-equipped laundry room with a convenient card payment system.

Indulge in the comfort of our studio, one, and two-bedroom apartments, where updated appliances and spacious floor plans await. Each residence combines the essence of the past with modern comforts, creating a truly exceptional living experience. Best of all, all utilities are included in your rent, alleviating any concerns about additional bills.

Convenience is paramount at Hampton Courts. The U Street Metro Station, offering access to the yellow and green lines, is just three blocks away, providing seamless transportation options to explore the city. Additionally, you’ll find Capital Bikeshare bicycles, only a block from the building, offering you endless means of transportation to navigate the vibrant surroundings.

Embrace a vibrant neighborhood where a plethora of amenities awaits. The Saturday Farmer’s Market, Yes Organic Market, Trader Joe’s, Vida Fitness, and numerous yoga studios are all within a few blocks from your front door. Explore the culinary delights, wellness centers, and vibrant community events that surround you.

Come and experience the essence of city living at Hampton Courts. Allow yourself to be captivated by its timeless allure and discover a lifestyle that seamlessly combines historic charm with modern convenience.

Congressional-towers-All-Utilities-Included

Congressional Towers

261 Congressional Lane
Rockville, MD 20852

Experience the perfect blend of comfort and convenience at Congressional Towers Apartments, ideally located just off Rockville Pike. Situated in the heart of Rockville, our community offers residents unparalleled access to a host of amenities.

Just three blocks from the Twinbrook Metro, our residents enjoy seamless connectivity to shopping, entertainment, and a diverse range of dining choices. Whether you’re in the mood for a shopping spree or a night out on the town, everything you need is within easy reach.

Our spacious apartments are designed with your utmost comfort in mind. As a resident of Congressional Towers, you’ll enjoy an array of free amenities, including parking and extra storage, ensuring you have ample space for your belongings. Additionally, you’ll receive a membership to Rollins Congressional Club (RCC), a resort-style water park featuring a club-style gym and fitness center. Embrace a healthy and active lifestyle without ever leaving the comfort of your community.

At Congressional Towers, we believe in providing a hassle-free living experience. That’s why all utilities are included in your rent, eliminating the need to worry about multiple bills. Simply move in and enjoy the convenience.

Call or schedule a tour today to discover your perfect apartment home at Congressional Towers. Experience the unparalleled convenience, exceptional amenities, and a vibrant community that awaits you.

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Hilltop House

1475 Euclid St NW
Washington, DC 20009

Nestled in the vibrant Adams Morgan neighborhood, Hilltop House awaits, offering a collection of studio and one-bedroom apartments for rent. Step into a world of charm and comfort, where each apartment boasts large windows and inviting breakfast bars, creating a cheerful, open, and bright atmosphere that will make you feel right at home.

Simplify your apartment living and budgeting with ease, as all utilities are included with your rent at Hilltop House. Experience the convenience of a worry-free lifestyle, allowing you to focus on enjoying the vibrant surroundings.

Hilltop House boasts an enviable location facing the picturesque Meridian Hill Park. Immerse yourself in a variety of social and cultural events that unfold within its lush green spaces. From kickball leagues and yoga classes to Frisbee sessions and drum circles, the park offers endless opportunities for recreation and community engagement. Experience the vibrant energy that fills the park every Sunday as it comes alive with a multitude of activities.

Just a couple of blocks away from the Hilltop House apartment community, you’ll find the Columbia Heights Metro station. This convenient transportation hub provides access to both the green and yellow lines, effortlessly connecting you to all that Washington, D.C. has to offer. Explore the rich history, iconic landmarks, and diverse neighborhoods of the capital city with ease.

Hilltop House Apartments offer the perfect blend of a tranquil oasis and access to the excitement of the city. Experience the best of both worlds as you soak in the cultural offerings, culinary delights, and vibrant community of Adams Morgan and beyond. Your perfect home in Washington, D.C. awaits at Hilltop House.

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Klingle Apartments

2755 Macomb St. NW
Washington, DC 20008

Nestled at the prime corner of Connecticut Avenue and Macomb Avenue, The Klingle awaits with its stunning landscaped grounds and meticulous upkeep. This coveted property offers unrivaled convenience and a lifestyle that caters to your every need.

Situated at the intersection of Connecticut Avenue and Macomb Street, The Klingle places you within easy walking distance of Cleveland Park’s most popular shops and restaurants. Indulge in a variety of culinary delights and explore a vibrant local scene right at your doorstep. Additionally, the Cleveland Park Metro Station, National Zoo, and the locally-famous Uptown Theater are just moments away, ensuring endless entertainment and cultural experiences.

Immerse yourself in a thriving community where convenience and charm harmoniously coexist. The Klingle invites you to experience a lifestyle that seamlessly blends accessibility, natural beauty, and an abundance of local attractions.

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Parkside Apartments

1702 Summit Place NW
Washington, DC 20009

Discover well-designed apartments that maximize every inch of space, offering a thoughtful layout that meets your every need. Step inside and be greeted by the gleaming hardwood floors, which come to life as natural light streams through the windows, creating a warm and inviting atmosphere. The arched doorway details add a touch of architectural interest, showcasing the attention to detail that sets these apartments apart.

Embrace your inner chef in the kitchens, equipped with gas stoves that allow you to prepare gourmet meals with ease. Enjoy the pleasure of culinary creativity in a space designed to inspire.

Beyond the allure of these exceptional apartments, the location is truly unbeatable. Situated just blocks away from both Adams Morgan and Columbia Heights, you’ll find yourself in the heart of two vibrant neighborhoods that offer a wealth of dining, shopping, and entertainment options. With a Walk Score of 91, every amenity and convenience is within easy reach, allowing you to fully immerse yourself in the vibrant energy of city living.

Welcome to a life where thoughtful design, affordability, and prime location intersect. Experience the best of urban living in these apartments that redefine what it means to feel at home.

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Pleasant Hills Apartments

100 Fort Drive NE
Washington, DC 20011

Escape to Pleasant Hills, a hidden gem just off North Capitol Street, where beauty awaits your discovery. Immerse yourself in a collection of spacious and affordable apartment homes that exude charm and comfort. Step onto the beautiful hardwood floors that grace each residence, admire the built-in shelves that add a touch of sophistication, and delight in the renovated kitchens that ignite your inner chef.

Pleasant Hills enjoys a privileged location, situated across from Archbishop Carroll High School and a mere two blocks from Catholic University. Experience the vibrancy of the neighborhood as you become part of a thriving community filled with academic excellence and cultural richness.

For effortless commuting, the Brookland Metro station is within easy reach, offering seamless access to all the wonders the city has to offer. Indulge in a myriad of dining options within the thriving Brookland community, where culinary delights await at Col. Brooks Tavern, San Antonio Grill, Brookland Cafe, and more.

Pleasant Hills is where unexpected beauty unfolds, where spacious living, affordability, and a sense of community intertwine to create a truly remarkable experience. Embrace the oasis that awaits you at Pleasant Hills and discover a world of serenity and enchantment.

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Sherry Hall Apartments

2702 Wisconsin Ave NW
Washington, DC 20007

Nestled in the charming neighborhood of Glover Park, between the coveted areas of Georgetown and Cleveland Park, you’ll find Sherry Hall. Situated on one of DC’s primary arteries, this exceptional residence offers an ideal location that embodies the essence of urban living.

Indulge in the culinary delights of Wisconsin Avenue as you explore the multitude of popular restaurants within walking distance from your doorstep. Delve into a world of flavors and gastronomic experiences, all conveniently close to your new home.

Step inside your apartment sanctuary and be greeted by the elegance of beautiful hardwood floors that grace your living space, adding a touch of sophistication and warmth. Immerse yourself in the modernity of brand new kitchens, thoughtfully designed with stainless steel appliances, including a gas range, granite countertops, and stylish light wood shaker cabinets. The large windows invite an abundance of natural light, illuminating every corner of your home and creating a welcoming ambiance.

At Sherry Hall, we believe in simplifying your life. That’s why all utilities are included, providing you with peace of mind and transparency in your monthly expenses. Say goodbye to surprises and complex calculations—here, you can focus on enjoying the comfort and tranquility of your new home.

Discover the perfect harmony of serenity, convenience, and modernity at Sherry Hall, where every detail is designed to enhance your living experience. Embrace the unmatched lifestyle that awaits you, where vibrant city living meets the comforts of home.

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Clarence House Apartments

4530 Connecticut Ave NW
Washington, DC 20008

If you’re seeking a studio, one, or two-bedroom apartment that combines convenience and comfort, look no further than Clarence House apartments. Located within walking distance to the metro, Giant, Whole Foods, pharmacies, dry cleaners, restaurants, shopping hubs, and esteemed schools, this is where your apartment search begins.

Living at Clarence House means unlocking the treasure trove of hidden gems in our vibrant neighborhood. Immerse yourself in a world of cultural experiences as you stroll to a captivating concert at the Austrian Embassy or indulge your passion for music by enrolling in a class at the renowned Levine School. Let your literary soul flourish as you become a regular at the iconic Politics and Prose bookstore, where new discoveries await on every shelf. And for a glimpse into the fascinating history of art and gardens, the Hillwood Museum is just a short trip away.

Beyond the convenience and cultural richness, Clarence House offers a haven of comfort and tranquility. Explore the versatile floor plans of our studios, one-bedroom, and two-bedroom apartments, each thoughtfully designed to meet your needs. Experience the joy of coming home to a welcoming and spacious environment that nurtures relaxation and a sense of belonging.

Begin your apartment journey at Clarence House, where the vibrant pulse of city life meets the comforts of home. Embrace the limitless possibilities and experiences that await you in this dynamic neighborhood.

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The Norwood

1868 Columbia Road NW
Washington, DC 20009

At The Norwood, the perfect fusion of old-world craftsmanship and modern sensibilities awaits you. This historic building has been meticulously upgraded to offer the epitome of apartment living. Immerse yourself in a world where timeless charm meets contemporary convenience.

Step into your new home and be greeted by the allure of hardwood floors, evoking a sense of warmth and sophistication. The high ceilings create an atmosphere of openness and grandeur, while central air conditioning ensures your comfort throughout the year. Experience the harmonious blend of The Norwood’s grace, elegance, and modern upgrades that culminate in a truly distinctive living space.

With an impressive Walk Score of 97, your new home places you at the center of it all. From the vibrant restaurants and nightlife of Adams Morgan to the tranquil beauty of Rock Creek Park, every facet of city living is within your reach. Indulge in culinary delights, explore cultural treasures, and immerse yourself in the energy of the surrounding neighborhood.

At The Norwood, you’ll discover a sanctuary that seamlessly combines history and contemporary living. Unwind in a space that reflects your refined taste and appreciate the convenience of a location that offers endless possibilities. Experience the best of both worlds at The Norwood, where timeless allure meets modern comfort.

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Wakefield Hall

2101 New Hampshire Ave NW
Washington, DC 20009

As you gaze upon Wakefield Hall’s ornate facade, you’ll soon discover that the beauty continues within. Step into a world of elegance where exquisite apartments await. With hardwood floors, updated kitchens, and walk-in closets, every detail has been carefully curated to create a charming and comfortable living space.

Convenience is at your doorstep at Wakefield Hall. Located near the U St./Cardozo Metro Station, you have effortless access to all that Washington, DC has to offer via the yellow and green lines. Immerse yourself in the vibrant pulse of the city and explore its cultural treasures, all just a few steps away from your front door.

Indulge in the captivating energy of your neighborhood as you venture out. Discover local art galleries, savor the flavors of eclectic cuisines, and embrace the lively atmosphere that surrounds you. Wakefield Hall places you at the center of cultural vibes and offers a gateway to the rich experiences that await in the city.

Embrace a lifestyle that seamlessly combines convenience, charm, and cultural immersion at Wakefield Hall. This is more than just an apartment; it’s a place to call home and an invitation to be part of a vibrant community. Welcome to Wakefield Hall, where timeless beauty and contemporary living intertwine.

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.

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Source: blog.apartminty.com

Apache is functioning normally

June 3, 2023 by Brett Tams

United Wholesale Mortgage continues to bring the heat, this time shaving 50 basis points off streamline VA loans from now until Veterans Day on November 11th.

The move will make it even cheaper for veteran homeowners to refinance their existing mortgages to take advantage of today’s near record low mortgage rates.

What’s the Deal?

UWM is offering 50-basis point discount on VA IRRRLS
Offer good on rate locks now through Veterans Day (November 11th)
Can also be combined with VA Conquest program
Rates start as low as 2.25% on the 30-year fixed

To celebrate and better yet, appreciate our active duty military and veterans, UWM is offering a special pricing incentive on VA Interest Rate Reduction Refinancing Loans, or IRRRL for short.

This means existing veteran and active duty homeowners in the market for a mortgage refinance can save even more through Veterans Day.

At the moment, mortgage rates are already basically rock bottom, hovering near all-time lows achieved just a couple weeks ago.

When combined with UWM’s already low VA Conquest program, which has interest rates starting at 2.25% for a 30-year fixed, a borrower might be able to snag an exceptional deal over the next month and change.

And if we see mortgage rates creep down even lower prior to the election, thanks to the election and COVID-19, homeowners might get their hands on a deal of a lifetime.

The VA IRRRL is a streamlined refinance program that doesn’t require an appraisal and allows for an unlimited loan-to-value (LTV) ratio.

This makes it easy to refinance to a lower rate, regardless of your existing loan amount relative to your property value.

How to Take Advantage of This Special Offer

UWM is a wholesale mortgage lender only, meaning you can’t call them up directly to get a home loan.

Instead, you must work with a mortgage broker, who will act as the intermediary between UWM and yourself.

If interested, seek out a mortgage broker and ask if they’re approved to do business with UWM. If so, you can get pricing to see if their deal is better than the competition.

Just note that you should always take the time to shop around with other banks and lenders as well to ensure it’s truly the best deal.

On top of the savings being offered for a limited time, UWM says it can close IRRRL loans super-fast, often in less than 20 days, versus the typical 45 days or so for a refinance.

UWM is the nation’s largest wholesale mortgage lender, as has been for the past five years.

Their largest competitor is the wholesale lending arm of Quicken Loans, formerly known as Quicken Loans Mortgage Services (QLMS) until last week when they changed their name to Rocket Pro TPO.

The pair appear to be battling in the wholesale space, which should be good news for homeowners looking for a better deal on a mortgage via the mortgage broker channel.

Like Rocket Companies Inc. just did, UWM has plans to go public in the fourth quarter of 2020, as both take advantage of record origination volumes and corresponding profits.

Source: thetruthaboutmortgage.com

Apache is functioning normally

June 2, 2023 by Brett Tams

Editor’s note: This is a recurring post, regularly updated with new information.

As a traveler, I am firmly team carry-on and will very rarely check a bag, while some of my colleagues prefer to always check a bag.

Even if you insist on checking a bag, certain items should always go in your carry-on.

Here are 10 items to never check, according to our TPG travel team.

Identification documents

This one should go without saying since your identifying documents, such as a passport or valid driver’s license, are among the most important items for a traveler to keep close, especially if you’re traveling abroad.

If you’re traveling domestically and don’t need a passport, all travelers age 18 and older still need a driver’s license or other state photo identification card from their state’s Department of Motor Vehicles (or equivalent) to pass through security at U.S. airports. A full list of Transportation Security Administration-accepted forms of identification is available here.

Once you’ve reached your destination, you’ll likely need to show some form of ID to check into a hotel or rent a car. If traveling abroad, we recommend carrying a picture of your passport with you while keeping your passport (and other valuables) securely locked in your room (in a hotel safe, if available).

Additionally, consider printing your travel itinerary and other important documents in case something happens to your phone or you can’t access Wi-Fi, says Erica Silverstein, TPG senior cruise editor.

Phone and charger

A phone is among the most helpful tools when traveling, especially if you have a plan that allows you to use your data internationally.

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From navigating and figuring out directions in a new place to visiting cities you’ve visited before, your phone can be a lifeline when traveling. This also means frequently having to charge your phone, which is only possible if you’ve brought the right charger and any converters to be able to use the plugs (if applicable).

Keep all of your electronics and chargers in a carry-on for easy access on the plane, where you can also use the in-seat charging portal. Charging inflight ensures your phone is fully charged before exiting the plane, minimizing the chance of a dead battery en route to your hotel or other accommodations since your room may or may not be available for check-in when you arrive.

This is also helpful if you have a lengthy layover between flights since you can’t guarantee you’ll find access to a charging station at an airport.

As a female traveler who sometimes travels solo, a working phone is crucial. All travelers, solo or not, should pack a portable charger in their carry-on and always bring that with them when they go out and about.

Headphones and electronics

In addition to your phone, some travel with other Apple products, such as an iPad and Apple Watch, requiring separate chargers. If you’re like me, you’ll never travel without two sets of headphones (one wireless and one not) since wireless ones may run out of battery.

This is also courteous for your fellow passengers since most airlines prohibit flyers from listening to shows or music out loud while also potentially providing you with headphones, depending on the airline and route.

Keep your headphones and AirPods within easy reach at all times.

If you happen to travel with a suitcase with a battery pack for charging, such as those from Away, remember that these must be carried on per TSA rules.

A change of clothes

PABLO JEFFS MUNIZAGA-FOTOTREKKING/GETTY IMAGES

Per my earlier comment, the last time I checked a bag, it was a huge mistake. I missed my connecting flight due to inclement weather and my luggage was sent without me to my final destination. That left me spending the night in an airport hotel in Miami with just my backpack and the clothing I had been wearing for almost an entire day.

I’m not alone in this experience.

“I always keep at least one change of clothes for myself and each of my kids in my carry-on, even if I am checking a bag,” said Tarah Chieffi, TPG travel news reporter. “If our checked luggage is delayed or lost, or if inflight accidents occur, we always have a fresh change of clothes.”

This scenario is exactly why it’s important to pack at least one spare outfit in your carry-on item.

She also recommends throwing in a grocery bag or large zip-close bag for dirty clothes in your suitcase. Some suitcases even come with a reusable laundry bag.

You’ll likely appreciate having a fresh change of clothes, especially on long-haul flights and those with long layovers. You might even be able to access an airport lounge or an aircraft with showers, which is even better for freshening up.

Even if your flight is short and direct, it’s still helpful to pack a change of clothes in your carry-on in case your baggage gets delayed.

Reusable water bottle

Another item we recommend traveling with is a reusable water bottle. Just make sure the bottle is empty before you pass through airport security since most airports limit the number of liquids you can take through security.

Once you head to your gate in the post-security area, you’ll likely find free water refill stations where you can fill up your reusable bottle, including some with filtered water.

During your flight, request water and then pour that water into your bottle so it’s full at all times. Just remember to take your water bottle (along with your other items) off the plane when you disembark. I’ve lost two Hydro Flasks this way.

Also, flying can dehydrate you, especially if you’re drinking alcohol. It’s important to pay attention to your water consumption on travel days and make sure you are getting enough.

Considering how much airport stores charge for water and other items, bringing your own water bottle saves money — and eliminates single-use plastic.

Snacks

Not unlike the water, don’t rely on the airport or inflight snacks since food options when traveling may not be available or open when you need them.

“I always bring snacks, which are especially helpful if your flight is unexpectedly delayed while you’re on the plane with no option to get off,” said Senitra Horbrook, TPG credit cards editor.

Prescriptions and other medications

If you take medication daily, it’s wise to pack any prescriptions into your carry-on luggage along with any over-the-counter medications you take frequently or might need, such as pain relievers or allergy medicine.

For example, I always bring several days’ worth of Tylenol, Benadryl, vitamins, probiotics, etc., as well as a few extra supplements of my daily medicine in case I end up staying longer than anticipated.

I also pack a few extra pairs of contact lenses. I wear dailies and prefer them over wearing my glasses, though I bring my glasses as a backup. I also bring adhesive bandages, just in case.

Assistance items

For senior travelers or those who require assistance, do not keep any assistive/medical device item, such as a walking stick or handicapped placard, out of reach.

A good rule of thumb — if it’s anything you can’t live without for half a day or more, put it in your carry-on, says Erica.

Hand sanitizer, wipes, paper towels and tissues

Since the COVID-19 pandemic, many travel with hand sanitizer and sanitary wipes to wipe off seats, tray tables, seat belts, etc., upon boarding.

These items are small and can easily fit in your carry-on item. Just ensure your hand sanitizer does not exceed 12 ounces, which is an allowance specifically for hand sanitizer that the TSA implemented during the pandemic. All other liquids must still meet the 3.4 ounces or 100-milliliter size requirement.

Other items to consider bringing in your carry-on are paper towels and a washcloth in case of spills or other situations where you need to dry your hands.

You might be able to find tissues and band-aids at airports and on planes, though they’re likely not going to be great quality. Tissues are small enough to pack a few in your carry-on in case of unforeseen circumstances, from the sniffles to a paper cut.

Valuables

Beyond your phone and important travel documents such as your passport, keep your most important items close to you while traveling, including jewelry.

These items would fall under the “hard to replace if not irreplaceable” category, depending on how sentimental they are to you.

Bottom line

Once you’ve decided on the items most essential for your carry-on, be sure to decide what carry-on item makes the most sense for them to go in.

For example, if you have two carry-on bags, one smaller one that fits underneath the seat in front of you or one suitable for the overhead bin, think about what items you might need most often throughout the flight and position those in your smaller bag.

For everything else, you can always get up and retrieve items from your larger bag from the overhead bin.

Related reading:

Additional reporting by Ben Smithson.

Source: thepointsguy.com

Apache is functioning normally

June 2, 2023 by Brett Tams

Were you tired of mowing the lawn, doing dishes, and vacuuming your house every weekend? Honestly, we all dread those chores, but here’s the real question—what household tasks can you actually enjoy? Some of those surprisingly enjoyable jobs make keeping up with your home more accessible and fun. And some of us enjoy different chores more than others. So, keep reading to find out fifteen of people’s favorite chores around the house!

1. Feeding the cat

One user commented, “Feeding the cat. Little dude gets psyched about the exact same food every day, and I love it.”

Another Redditor replied, “After we get more canned wet food, I always unpack all of it into stacks by flavor, and then when I put it in the pantry, I make sure it’s sorted the best I can so we don’t have the same ‘meal’ twice in a row. I don’t know if they appreciate it, but most of them are always super excited about food time. The other is weird and has to be locked in a room alone half the time, or she’ll wander off, and someone else will eat her food.”

One user also shared, “I raise you—feeding a cat and four dogs!! The wagging tails, the excited tip tapping, the cute meows, and little huffs. Oh, I love it so.”

Another responded, “One of my cats is meh about his food sometimes, but his brother is so freaking psyched if you give him literally anything, even if it’s the same thing every single day of his life, and then he purrs and rubs his face on me . It’s cute. He’s the best. So happy about his tiny life.”

2. General Cleaning

One user said, “If nobody is around, I love cleaning. It’s a great way to get away from everything and just think. Plus, a job done is so satisfying. But I’m also super socially anxious… I hate cleaning if people are around.. I’m the type to wait till roommates are out or at work, then I clean hard.”

Another commenter replied, “Yeah, I’m exactly the same. If I have the house to myself, I can crank up some music and just work forever until someone comes home, then I have to stop. I’ve been that way my whole life, but I’ve always preferred alone time over company too.”

A third Redditor added, “Are we twins? My day of housework doesn’t start until my husband leaves for work.”

The second user replied, “Wonder Twin cleaning powers, activate!”

3. Folding Clothes

One user shared, “Folding clothes, great excuse to watch TV.”

One user responded, “There’s also something about getting a clean load of laundry back after you know it’s been washed and dried. My Mom was sort of weird about it growing up, somehow thinking that running a full wash on regular wash was a waste. Now I’ll sometimes do a load of just a towel, ha ha.”

Another user commented, “Can’t wait for Formula 1 to be back in Europe. Living on the East Coast of the US, I disappear upstairs for an hour or two on Sunday mornings and fold laundry and iron my work clothes during the race.”

One user added, “Ugh, I wish I knew you irl. I love doing laundry, but I hate folding. We could make a day of it! Lol.”

Another Redditor shared, “I like folding lol (not other undergarments though).”

4. Cooking

One Redditor posted, “Cooking.”

Another replied, “And to some extent, prepare a meal schedule, grocery list, and do the groceries.”

One user commented, “See, I will make a meal plan all day long, grocery shop, and cook for all including the dog. My main issue is figuring out what to cook. I hate picking and always hounding my family for ideas. Left alone I will eat popcorn and wine for dinner every day because I have no clue what to make.”

Another user replied, “This is not a plug and I have no relationship to the author nor publisher, but: my SO and I found a cookbook called Milk Street: Tuesday Nights and it’s been a game changer in helping us branch out and try new recipes.”

5. Mowing the Lawn

One user asked and posted, “Is grass outside your home? if not then mowing the lawn.”

One responded, “Let’s count this as admissible.”

Another user commented, “This x1000 if you have a ride on a mower. The first time I used mine I was laughing like an idiot the whole time because I was having so much fun.”

One replied, “This x1000 if you have a ride on a mower. The first time I used mine I was laughing like an idiot the whole time because I was having so much fun.”

Another user shared, “I only have 1/4 acre so a riding mower would be a waste. Plus, it’d cut too much time off the job. I enjoy my 60ish minutes of zen pushing the mower around the yard and it lets me get a closer look at it to find things I need to fix (dips, weeds, moss, etc.) because I’m not zooming past.”

6. Washing Dishes

One user shared, “Dishes.”

One user commented, “Whenever I need to do something I always start by doing the dishes. It gets my momentum going. I have also made it a habit to do all my dishes before I go to bed. Wake up to a clean kitchen!”

One replied, “Same thing for me, tho I prefer doing the dishes first thing in the morning while listening to music because it is just therapeutic for me.”

One user shared, “I hate doing the dishes! I like cooking so my hope is that my future partner loves doing the dishes so we can both do what we like.”

Another user commented, “Same thing for me. I know how to cook but I can’t say that I’m a good one so I prefer my future partner to do the cooking, I’m in charge of dishes lol.”

One replied, “She is elusive.”

One user added, “Yup. I do all the dishes here, and I think I’ve used our dishwasher once since moving into this apartment (we use it for storage now). I mostly just hate seeing dishes pile up in the sink and on the counter.”

7. Laundry

A user posted, “Laundry.”

Another user replied, “Power-washing the sidewalks!! Soooo… satisfying!”

8. Ironing Clothes

A user shared, “I love ironing clothes. When people refer all these trendy apps to meditate and whatnot, I feel something like ironing is so much more my thing. For the following reasons: Introduces a sense of order with all the well-folded clothes. It’s not a mindless activity by any means—you have to keep an eye on things (watching your hands around the hot metal, looking out for burning smells etc). This, for me, uses up the chaotic energy that would otherwise fuel my anxiety.

“But, if you’ve been ironing for long enough, it is still a relatively monotonous activity―the same pattern of folding and whatnot.

“All in all, it takes my mind off of things just enough that I can focus on a few things but still run down the things in my mind that have been bothering me.”

One added, “Wow, ironing is my bane! I somehow managed to make everything more wrinkled than before I started.”

One commented, “Yes. Ironing. Only thing imma do without any complaints.”

9. Cleaning the Bathroom

One Redditor shared, “All the time: Cleaning the bathroom. It SO smells better after you’re done and you can see a noticeable difference when you’re done.

“Once in a while: Painting a room. Again, you can see a noticeable difference when you’re done. A real sense of accomplishment.”

10. Shampooing the Carpet

A user commented, “Shampooing the carpet. I have this compact Hoover carpet cleaner (about the size of a vacuum) that saves my back when cleaning pet stains and works great. It makes the whole apartment smell fresh and clean. A lot of satisfaction for relatively easy work.”

11. Creating Systems

One user shared, “Everyone will tell you differently. But I actually enjoy organizing things and creating systems for certain tasks. With school, work, organizations, and other activities I don’t get to work with that luxury as much as I would like.”

12. Taking out the Trash

A user added, “Taking out the trash has got to be one of the most satisfying things to do. No need to worry where to put each item in its proper place, it’s all trash, throw it out. Then seeing a clean trash can to refill? Heaven.”

13. Mopping

One of the Redditors added, “Mopping… if y’all have watched that animated movie Anastasia (one of my favs) the part where she’s imagining everyone dancing in the empty castle, in the beginning, that’s what I think about when I mop. I know it’s stupid but my life has been kinda sad and that moment I mop, makes everything disappear for a second and I feel like a princess dancing with someone. I also sang the song ‘Once Upon a December’ which is what she sings in that part.”

14. Gardening

One Redditor posted, “Gardening and landscaping. I did a version of it (habitat restoration instead of decorative) professionally for a while. I enjoyed it, but I also started to get sick of having to deal with the large scale, complying with other people’s designs, and getting things approved by landowners. Doing my own designs on a small scale where it’s my land has all of the aspects I enjoy without the stress. It’s very relaxing.”

15. Feeding the Horses

One online user stated, “I live in the Midwest and we have cows and horses I enjoy feeding the horses it’s a chore I have in the mornings but I just sit there and when he’s done eating I put a saddle on him and ride him all around the field and look for some cow that might have got out of the fence.”

Original Reddit thread here.

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About the Author

Source: financequickfix.com

Apache is functioning normally

June 1, 2023 by Brett Tams

At what age did you start thinking about investing? Is it when you started college? Maybe its after you started your career. What about high school? Maybe, but not likely, if not, you should, learn how to make money with 100 dollars, and be glad you did! Last year I was asked to be a guest speaker of a class of high school students at Carbondale Community High School. Before I came, I had the teacher take a poll of the students on the top five reasons why they think they should invest. The overachievers that they were, they gave me their top six reasons. Here are their top six reasons, and their reasoning behind them. I think you’ll crack a smile on a few.

1. Turn a Profit, or in Their Words, “Make Some Money.

Can’t argue with that, can you? Sure, having an income to sustain you through retirement is the driving force to why most people invest, but the only way to achieve that is making money, right? The students were just a little more direct with their logic. I can always appreciate that.

2. Retirement.

I asked the kids how they thought they were going to have an income when retirement came. One student responded that she expected to get money from her job or her employer when she retired. That led into discussion in talking about pensions, and how pensions have greatly reduced over the years. We then talked about 401k’s and how they have evolved. I made it clear that it was on them to choose their own investments and take charge of their financial destiny.

I then was able to bring a copy of my most recent Social Security statement, and showed them how much I would expect to receive if I retired at the age of 62, 67, and 70. I think it was a real eye opener for many, seeing how little that I would expect to receive by waiting 32 plus years, to start drawing my first Social Security check. One students comment of, “That’s it!” was priceless.

3. Bragging Rights.

This was by far my most favorite of their reasons. The logic behind the bragging rights was that the students felt that if they had investments that they could be able to boast to their family or friends about certain investments that they owned. While I never encourage this as a reason to invest, I get some humor out of this.

4. Tax Breaks.

All the students were in agreement that they don’t want to pay more tax that they have to. They all felt that investing would somehow decrease the tax they had to pay. We talked a bit about investing into dividend paying investments and also the rules on the Roth IRA. Not a better tax break than the tax free growth of the Roth.

5. Cash Flow/Real Estate.

One discussion that we had with the students was that I told them that investing does not always mean investing into the stock market. There are other ways to invest. You can invest into a business idea, you can invest into themselves, and they can also invest into real estate. I actually have many clients and acquaintances that have been very successful with real estate and have made, have been very successful without actually ever investing in the stock market.

6. For Children’s College.

Many of the students knew that college was around the corner and that was obviously on their minds. Knowing that student loans were in the foreseeable future they hoped that their kids would have just as good if not better opportunity that they will.

All in all, I think the students had some good reasoning on the why you should invest. They all admitted that they still have a lot to learn. If you have a child that is high school to junior high age, ask them why they think they should invest. I’d be curious to hear some more reasons and the support behind it.

Thanks to Mrs. Wilson’s class for participating! You all were great.

Source: goodfinancialcents.com