Nestled in the heart of the Great Plains, South Dakota provides residents a unique blend of natural beauty, rich history, and tight-knit communities. Living in South Dakota means embracing a lifestyle defined by wide-open spaces, outdoor adventure, and a strong sense of community. From the city life of Sioux Falls, with its bustling downtown and vibrant cultural scene, to the historic charm of Rapid City, gateway to the Black Hills and home to iconic attractions like Mount Rushmore, South Dakota offers a diverse array of experiences. In this ApartmentGuide article, we’ll uncover the pros and cons of living in South Dakota, so you can learn what life is like in “The Mount Rushmore State.”
Renting in South Dakota snapshot
1. Pro: Expansive outdoor activities
With its diverse landscapes providing the perfect backdrop for various recreational activities, South Dakota is the perfect place for exploring. Residents can enjoy hiking in the Black Hills, fishing in the Missouri River, and camping in the state’s numerous parks and wilderness areas. For example, Custer State Park boasts scenic trails and wildlife viewing opportunities, while Badlands National Park offers unique rock formations and scenic overlooks.
2. Con: Harsh winters
South Dakota experiences harsh winters characterized by frigid temperatures, heavy snowfall, and strong winds, which can pose challenges for residents. Cities like Rapid City and Sioux Falls often contend with blizzards and extreme cold snaps, leading to hazardous driving conditions and disruptions to daily life.
3. Pro: Low cost of living
South Dakota boasts a low cost of living compared to many other states, with affordable housing, utilities, and overall expenses. Cities like Sioux Falls offer residents access to affordable housing options, with median home prices and rental rates below the national average. For instance, the median home price in Sioux Falls is $317,836 and the average rental price for a one-bedroom is $930, making housing more attainable for many South Dakotans.
4. Con: Limited entertainment options
South Dakota may have fewer entertainment options compared to more populous states, particularly in terms of nightlife, cultural attractions and restaurants. While cities like Aberdeen offer some entertainment venues and events, residents may find a lack of diversity and variety in recreational activities.
5. Pro: Strong sense of community
South Dakota is known for its strong sense of community, with residents often forming tight-knit bonds and supporting one another. Towns like Mitchell host community events and festivals that bring people together, such as the Shrine Circus, which adds to the community spirit.
6. Con: Limited public transportation
South Dakota may have limited public transportation options, especially in rural areas, which can hinder residents’ mobility and access to essential services. For instance, Sioux Falls has a transit score of 17, meaning there is minimal transit available.
7. Pro: Low traffic congestion
South Dakota enjoys low traffic congestion compared to more densely populated states, providing residents with shorter commute times and less stress on the road. Cities like Brookings have minimal traffic congestion, making it easier for residents to navigate urban areas and access amenities.
8. Con: Sparse population
South Dakota’s sparse population density, particularly in rural areas, can contribute to feelings of isolation and limited access to services and amenities. These rural towns and communities may be far removed from major urban centers and regional hubs, leading to challenges in accessing certain amenities and services.
9. Pro: Tax benefits
South Dakota’s lack of state income tax is a significant advantage for residents, allowing them to keep more of their earnings. This tax-friendly policy attracts individuals and businesses seeking to minimize their tax burden and maximize their disposable income.
10. Con: Economic dependence
South Dakota’s economy is heavily dependent on sectors such as agriculture, tourism, and healthcare, which can make it vulnerable to economic fluctuations. Deadwood and Spearfish rely on tourism and hospitality, while towns like Mitchell and Huron depend on agriculture and agribusiness. This economic dependence can lead to job insecurity and slower economic growth.
11. Pro: Sense of adventure
Whether it’s hiking to the summit of Harney Peak, the highest point in the Black Hills, or embarking on a scenic drive along the Needles Highway, there’s always something new to discover in the state. For example, the annual Buffalo Roundup in Custer State Park allows visitors to witness the thrilling sight of hundreds of bison thundering across the prairie, showcasing South Dakota’s rugged beauty and sense of adventure.
12. Con: Feeling of isolation
Methodology : The population data is from the United States Census Bureau, walkable cities are from Walk Score, and rental data is from ApartmentGuide.
Located in the heart of the San Francisco Bay Area, Oakland is an exciting and diverse city with a unique charm that sets it apart from its neighbors. From the stunning views of the Bay to the bustling arts and culture scene, there is no shortage of things to explore and experience. Residents of Oakland enjoy a rich history, a thriving culinary scene, and a strong sense of community that makes it a truly special place to call home. If you’ve been thinking, “Should I move to Oakland?” you’re in the right place. In this article, we’ll discuss the pros and cons of this city to help you decide if it’s the right place for you. Let’s get started.
Oakland at a Glance
Walk Score: 75 | Bike Score: 65 | Transit Score: 57
Median Sale Price: $840,000 | Average Rent for 1-Bedroom Apartment: $2,470
Oakland neighborhoods | Houses for rent in Oakland | Apartments for rent in Oakland | Homes for sale in Oakland
Pro: Proximity to nature and outdoor activities
Oakland offers a blend of urban living and access to nature, making it an ideal location for outdoor enthusiasts. The city is surrounded by beautiful parks and green spaces. Including Joaquin Miller Park and Redwood Regional Park, offering miles of hiking and biking trails amidst towering redwoods. Additionally, Lake Merritt, located in the heart of the city, provides a scenic spot for jogging, picnicking, and bird watching. This easy access to nature allows locals to enjoy a variety of outdoor activities without having to venture far from home.
Con: High cost of living
One of the major drawbacks of living in Oakland is the high cost of living, which is 39% above the national average. Housing prices have skyrocketed in recent years, making it challenging for some to afford a home in the city. Rent prices are also steep, putting financial strain on residents. The high cost extends beyond housing, affecting groceries, utilities, and other essential services, making it difficult for some individuals to manage their budgets comfortably.
Pro: Diverse culinary scene
Oakland’s culinary scene is as diverse as its population. From authentic Mexican taquerias and Ethiopian restaurants to upscale Californian cuisine, the city caters to all taste buds. The Temescal neighborhood, in particular, is a foodie’s paradise, known for its innovative dining options and trendy cafes. This culinary diversity not only enhances the city’s cultural richness but also provides residents with an endless variety of dining experiences.
Con: Traffic congestion
Like many urban areas, Oakland suffers from significant traffic congestion. The city’s infrastructure struggles to keep up with the growing population, leading to crowded highways and extended travel times. The Bay Bridge, connecting Oakland to San Francisco, is notorious for its traffic jams, often resulting in long commutes for residents working in the neighboring city. Public transportation options are available, but they not serve all areas and suburbs equally, adding to the daily commute challenges.
Pro: Dynamic arts and culture scene
Oakland’s arts and culture scene is a significant draw for both residents and visitors. The city is home to a plethora of galleries, theaters, and live music venues that showcase a wide range of artistic expressions. The First Friday street festival is a prime example, transforming the streets into a lively celebration of art, food, and music every month. Additionally, the Oakland Museum of California offers an in-depth look at the state’s rich history, art, and natural sciences, making it a cultural hub in the city.
Con: Air quality issues
Oakland faces challenges with air quality, particularly during the summer months and wildfire season. The city’s location and topography can trap pollutants, leading to days with unhealthy air quality levels. Wildfires in the region exacerbate the problem, sometimes resulting in smoke and ash affecting the city for extended periods. These air quality issues can sometimes limit outdoor activities and impact those with respiratory conditions.
Pro: Thriving tech and startup ecosystem
Oakland has emerged as a burgeoning hub for technology and startups. This has attracted entrepreneurs and innovators looking for alternatives to Silicon Valley. The city offers a supportive environment for new businesses, with co-working spaces, incubators, and a collaborative tech community. This ecosystem not only contributes to the local economy but also provides job opportunities and fosters innovation.
Con: Infrastructure and public services challenges
Oakland’s infrastructure and public services face significant challenges. These issues include aging roads, limited public transportation options in certain areas, and a need for more robust public amenities. These issues can affect daily life, from commuting to accessing essential services. Efforts are underway to address these challenges, but progress can be slow, and funding is often limited. The state of the city’s infrastructure underscores the need for continued investment and innovative solutions to support Oakland’s growing population.
Pro: Innovative environmental initiatives
Oakland is at the forefront of environmental sustainability, with innovative initiatives aimed at reducing the city’s carbon footprint and promoting green living. The city has implemented policies to encourage recycling, composting, and the use of renewable energy sources. Urban farming and community gardens are widespread, contributing to local food security and fostering environmental awareness.
Jenna is a Midwest native who enjoys writing about home improvement projects and local insights. When she’s not working, you can find her cooking, crocheting, or backpacking with her fiancé.
In the Midwest, Ohio provides residents a unique blend of urban excitement, small-town charm, and picturesque landscapes. From the lively city life of Columbus, with its thriving arts scene and diverse culinary offerings, to the quaint charm of Cincinnati, known for its historic neighborhoods and iconic skyline views along the Ohio River, Ohio has a diverse array of experiences. In this ApartmentGuide article, we’ll uncover the pros and cons of living in Ohio, so you can learn what life is like in “The Buckeye State.”
Renting in Ohio snapshot
Population
11,785,935
Avg. studio rent
$724 per month
Avg. one-bedroom rent
$933 per month
Avg. two-bedroom rent
$1,109 per month
Most affordable cities to rent in Ohio
Lorain, Elyria, Lima
Most walkable cities in Ohio
Lakewood, Norwood, Cleveland
1. Pro: Affordable cost of living
Cities like Dayton and Toledo offer residents access to affordable housing options, with median home prices and rental rates below the national average. For instance, Toledo has a median home sale price of $105,500 and an average rental rate of $784 for a one-bedroom apartment. Additionally, everyday expenses such as groceries, utilities, and healthcare are generally more affordable, allowing residents to stretch their dollars further and enjoy a higher standard of living.
2. Con: Unpredictable weather
Ohio’s weather is notoriously unpredictable, with residents experiencing a wide range of climatic conditions throughout the year. From severe thunderstorms and tornadoes in the spring to heavy snowfall and freezing temperatures in the winter, Ohioans must be prepared for rapidly changing weather patterns. Cities like Cincinnati and Cleveland often face weather-related disruptions, such as flooding and power outages, which can impact daily life.
3. Pro: Sports culture
Ohio has a rich sports culture, with passionate fans rallying behind local teams and sporting events. Cities like Cleveland and Cincinnati are home to iconic sports franchises such as the Cleveland Cavaliers, Cleveland Browns, Cincinnati Reds, and the Cincinnati Bengals. Moreover, Ohio hosts major sporting events like the Cincinnati Masters tennis tournament and the Memorial Tournament in Dublin, attracting athletes and spectators from around the world.
4. Con: Limited public transportation
Ohio’s public transportation infrastructure is relatively limited, particularly outside major urban centers like Columbus and Cleveland, which can present challenges for residents who rely on public transit. Lakewood, for example has a transit score of 41, meaning there are only a few public transportation options offered in the city.
5. Pro: Educational opportunities
Ohio offers a wealth of educational opportunities at all levels, from great universities to excellent public school systems. Institutions like The Ohio State University, Case Western Reserve University, and Miami University provide students with exceptional academic programs and research opportunities. Moreover, Ohio’s strong public school system ensures that students receive quality education from an early age.
6. Con: Infrastructure concerns
Ohio faces infrastructure concerns, including aging roads, bridges, and public utilities, which can impact residents’ quality of life. The state received a C- on its Infrastructure Report Card in 2021, which further highlights its lacking infrastructure.
7. Pro: Outdoor recreation
Ohio’s diverse landscapes offer residents ample opportunities for outdoor recreation and exploration. From hiking and biking trails in Cuyahoga Valley National Park to boating and fishing on Lake Erie, the state’s natural beauty provides endless possibilities for adventure. Columbus, one of Ohio’s largest cities, has an extensive park systems and green spaces, providing residents opportunities for picnicking, birdwatching, and outdoor sports year-round.
8. Con: High humidity
Ohio experiences high humidity levels, particularly during the summer months, which can create uncomfortable and sticky conditions for residents. The combination of heat and humidity can lead to discomfort, dehydration, and heat-related illnesses, prompting residents to seek relief indoors or in air-conditioned spaces during the hottest times of the year.
9. Pro: Central location
Ohio’s central location in the Midwest makes it an ideal base for travel and exploration throughout the region. Columbus and Cincinnati are within a day’s drive of major metropolitan areas such as Chicago, Detroit, and Pittsburgh, offering residents easy access to cultural attractions, entertainment, and dining experiences.
10. Con: Environmental concerns
Ohio faces various environmental concerns, including pollution from industrial activities, agricultural runoff, and urban development, which can impact air and water quality. Additionally, Lake Erie and the Ohio River are susceptible to pollution and algae blooms, affecting drinking water sources and aquatic ecosystems.
11. Pro: Historical landmarks
12. Con: “Brain drain”
Ohio experiences “brain drain,” where various people leave the state in search of better job opportunities and quality of life elsewhere. Factors contributing to brain drain include limited job prospects, lack of cultural amenities, and perceptions of Ohio as a less desirable place to live.
Methodology : The population data is from the United States Census Bureau, walkable cities are from Walk Score, and rental data is from ApartmentGuide.
Have you been asking yourself, “Should I move to Minneapolis, MN?” Located along the banks of the Mississippi River, Minneapolis is a dynamic city with a unique blend of natural beauty and urban charm. Known for its picturesque lakes, thriving arts scene, and diverse neighborhoods, Minneapolis always has something exciting in store. Whether you’re drawn to the city’s music and theater scene, its abundance of outdoor activities, or its friendly community, Minneapolis has plenty to offer for those looking to put down roots in the Land of 10,000 Lakes. In this article, we’ll discuss the pros and cons of living in this city to help you decide if it’s the right place for you. Let’s jump in.
Minneapolis at a Glance
Walk Score: 71 | Bike Score: 83 | Transit Score: 55
Median Sale Price: $330,000 | Average Rent for 1-Bedroom Apartment: $1,560
Minneapolis neighborhoods | Houses for rent in Minneapolis | Apartments for rent in Minneapolis | Homes for sale in Minneapolis
Pro: Flourishing arts scene
Minneapolis is renowned for its vibrant arts scene. The city is home to the Walker Art Center, one of the most celebrated contemporary art museums in the U.S., and the adjacent Minneapolis Sculpture Garden, famous for the iconic “Spoonbridge and Cherry” sculpture. Additionally, the Guthrie Theater offers world-class theatrical productions, and the First Avenue nightclub has played host to countless legendary performances. These venues provide residents with endless opportunities for artistic exploration and inspiration.
Con: Harsh winters
The winters in Minneapolis are notoriously brutal, with temperatures often plummeting below zero degrees Fahrenheit. The city experiences heavy snowfall, which can disrupt daily life, from commuting challenges to the simple act of walking outside. The city has efficient snow removal and a well-designed network of skyways in downtown areas that help pedestrians avoid the cold. However, the winter months can still be daunting for those not accustomed to such extreme weather conditions.
Pro: Abundance of lakes and parks
One of Minneapolis’s most charming features is its abundance of lakes and parks. The city’s park system is consistently ranked as one of the best in the country, offering residents access to over 22 lakes and more than 200 parks. From sailing on Lake Harriet to biking around Lake Calhoun (also known as Bde Maka Ska), the opportunities for recreation and relaxation are virtually limitless. This access to green space is a significant advantage of living in Minneapolis.
Con: Traffic congestion
Like many major cities, Minneapolis faces issues with traffic congestion, especially during rush hours. The city’s layout and reliance on a few major highways can lead to significant delays, particularly on I-35W and I-94, which are crucial routes for commuters. While public transportation options like the Metro Transit light rail and bus services offer alternatives, the traffic can still be a considerable inconvenience for residents.
Pro: Thriving job market
Minneapolis boasts a robust job market, particularly in the fields of healthcare, education, and technology. The city is home to several Fortune 500 companies, including Target, UnitedHealth Group, and Best Buy, providing ample employment opportunities. Additionally, the University of Minnesota, based in Minneapolis, is a significant employer and contributes to the city’s focus on research and innovation. This economic environment offers locals a wide range of career paths and other opportunities.
Con: Seasonal allergies
Due to its lush environment and diverse plant life, Minneapolis can be a challenging place to live for people with seasonal allergies. Spring and fall are particularly difficult times for allergy sufferers as the pollen from trees, grasses, and weeds reaches peak levels. While the city’s green spaces are a significant asset, they can also contribute to discomfort for a portion of the population.
Pro: Diverse culinary scene
Minneapolis’s culinary scene offers an array of dining options that reflect the city’s multicultural population. From the traditional Scandinavian dishes that pay homage to the city’s Nordic roots to the thriving East African cuisine found in neighborhoods like Cedar-Riverside, there’s something for every palate. The city also boasts a growing number of farm-to-table restaurants and craft breweries, highlighting Minnesota’s rich agricultural heritage and innovative spirit.
Con: Limited public transportation options
While Minneapolis has made strides in expanding its public transportation system, options can still be limited. The Metro Transit system, consisting of buses and light rail lines, does not fully cover the metropolitan area. This can make it difficult for those without cars to access certain parts of the city and surrounding suburbs. This limited Transit Score of 55 can affect daily commutes and restrict access to certain amenities and job opportunities for those relying on public transit.
Pro: Active lifestyle
Minneapolis encourages an active lifestyle, with its extensive network of bike lanes and trails, public parks, and recreational facilities. The city has been named one of the best biking cities in America, with over 200 miles of bike trails and dedicated lanes for cyclists. Whether it’s kayaking on the Mississippi River or cross-country skiing in Theodore Wirth Park, Minneapolis provides ample opportunities to stay active and engaged with the outdoors.
Jenna is a Midwest native who enjoys writing about home improvement projects and local insights. When she’s not working, you can find her cooking, crocheting, or backpacking with her fiancé.
Getting into gold coin investing can be a smart move for anyone looking to add some shine to their financial strategy. In this guide, we’ll give you the lowdown on different types of gold coins, how to figure out what they’re really worth, and tips for keeping your investment safe and sound.
You’ll also get the inside scoop on dealer markups, how to make sure you can cash out when you need to, and the steps to check that your coins are the real deal. Ultimately, we want to empower you with the knowledge to make informed decisions and enhance your investment portfolio with the timeless appeal of gold coins.
Key Takeaways
Gold coins offer investment diversity, with bullion coins being tied to gold content and purity, numismatic coins prized for their rarity and design, and semi-numismatic coins providing both gold value and collectible interest.
Key factors in gold coin investment include understanding premiums over spot price, ensuring liquidity and ease of resale, and selecting appropriate storage options to safeguard the investment.
Investing in gold coins entails choosing reputable dealers to prevent counterfeit risks, understanding tax implications like capital gains, and considering gold coins as a way to diversify and hedge against inflation within an investment portfolio.
The Fundamentals of Investing in Gold Coins
Gold coins, with their gleaming allure and historical significance, offer investors a tangible asset that stands the test of time. They come in various forms, each bearing unique characteristics and investment potential.
From bullion coins valued for their gold content and purity to collectible gold coins prized for their rarity and historical significance, the world of gold coins is as diverse as it is fascinating. As a form of precious metals, these coins, along with silver coins, provide a sense of security and value for investors.
Bullion Coins
Bullion coins, including bullion gold coins, are the go-to choice for those seeking straightforward exposure to gold. Valued based on their gold content and purity rather than historical and artistic considerations, a bullion coin like the Canadian Maple Leaf and American Gold Buffalo offers a direct link to the global gold market. For those interested in other forms of investment, gold bars can also be considered.
Numismatic Coins
For the history buffs and collectors, numismatic coins offer a unique allure. These coins are valued not just for their gold content, but also for their rarity, historical significance, and the artistry of their designs. Their value is less tethered to the spot price of gold, making them less susceptible to short-term market fluctuations.
Semi-Numismatic Coins
Straddling the line between bullion and numismatic coins are semi-numismatic coins. These coins offer both the gold value of bullion coins and the collectible appeal of numismatic coins. Their versatility makes them an attractive choice for a range of investors, from those seeking a straightforward gold investment to collectors looking for unique assets.
Top Gold Coin Options for Investors
There are a wide variety of gold coins to choose from, which can be overwhelming for new investors. However, some standout choices have captured the attention of investors worldwide. Let’s examine three popular gold coin options: the American Gold Eagle, the Canadian Gold Maple Leaf, and the South African Krugerrand.
American Gold Eagle
The American Gold Eagle coin, prominently displaying Lady Liberty and an American bald eagle, not only represents American heritage and freedom but also stands as a testament to the nation’s robust minting capabilities.
Introduced in 1986, these coins are struck in 22-karat gold, which includes a small alloy of copper and silver to ensure durability. Their availability in multiple denominations—1 oz, 1/2 oz, 1/4 oz, and 1/10 oz—makes them accessible to a wide range of investors, from those starting out to seasoned collectors. The blend of historical significance and investment flexibility has cemented their status as a favored option in precious metals markets.
Canadian Gold Maple Leaf
Produced by the Royal Canadian Mint, the Canadian Gold Maple Leaf is globally acclaimed for its .9999 fine gold purity, one of the highest in the market. Launched in 1979, this coin features the sugar maple leaf, a national symbol of Canada, which underscores the country’s appreciation of its natural environment and cultural heritage.
Its cutting-edge security features, like light diffracting patterns of radial lines and micro-engraved laser marks, ensure its authenticity and protect investors. The coin’s combination of high gold content and stunning design makes it not only a secure investment but also a collector’s delight.
South African Krugerrand
The South African Krugerrand is renowned for being the first gold bullion coin available to the general public, introduced in 1967 to help market South African gold. Named after the 19th-century Boer leader and the rand, the national currency, this coin features the image of Paul Kruger on one side and the Springbok gazelle on the other, celebrating South Africa’s rich wildlife and cultural heritage.
Unlike many other gold coins, the Krugerrand is minted from a gold alloy that is 22 karats, or 91.67% gold, with the remainder being copper, giving it a distinctive, more durable rose tint. This combination of affordability, durability, and cultural symbolism makes it a staple in the global gold trade, appealing to both investors and collectors alike.
Factors to Consider When Investing in Gold Coins
Investing in gold coins doesn’t just stop at choosing the right coin. It’s also about understanding the inherent factors that come with it. Let’s explore these key factors: premiums over spot price, liquidity, and storage options.
Premiums and Spot Price
While the spot price of gold is a key factor in determining the price of a gold coin, it’s not the only cost to consider. Premiums over the spot price can significantly impact the overall investment returns. Therefore, it’s essential to understand how premiums work and to be mindful of market trends.
Liquidity and Ease of Sale
One of the key advantages of gold coins is their liquidity. Gold coins are recognized worldwide and can generally be sold in any volume. However, the ease of sale can vary depending on the specific coin and market conditions.
Storage Options
Once you’ve invested in gold coins, you need a safe place to store them. Storage options range from home safes to professional vaulting services. Each comes with its own advantages and costs, and choosing the right one is crucial to the security of your investment.
How to Buy Gold Coins Safely and Securely
Investing in gold coins requires careful planning and vigilance. From choosing a reputable dealer to avoiding counterfeit coins and inspecting your purchase upon delivery, let’s explore how to buy gold coins safely and securely.
Choosing a Reputable Dealer
Purchasing gold coins from a well-established dealer is the first step towards a secure investment. A reputable dealer provides high-quality coins and offers invaluable customer support and guidance.
Avoiding Counterfeit Coins
Counterfeit coins pose a significant risk to investors. It’s crucial to understand how to identify counterfeit coins and ensure the authenticity of your purchase. From requesting documentation to conducting physical tests, vigilance is the key to safeguarding your investment.
Delivery and Inspection
The final step of your gold coin purchase is the delivery and inspection of your coins. Upon delivery, be sure to promptly inspect your gold coins to ensure they meet quality and authenticity standards.
Tax Implications and Legal Considerations
Like all investments, gold coins come with their own set of tax implications and legal considerations. From capital gains tax to reporting requirements, it’s crucial to understand these aspects to avoid legal complications and ensure a smooth investment journey.
Capital Gains Tax
Profits from the sale of gold coins are subject to capital gains tax. The rate of this tax can vary depending on the holding period of the coins and the investor’s income level. It’s essential to understand these rates and plan your investments accordingly.
Reporting Requirements
Certain gold coin transactions may be subject to reporting requirements. Be prepared to declare your holdings when necessary and ensure you comply with all applicable regulations.
Legal Ownership
Maintaining accurate records of transactions and ownership is crucial when investing in gold coins. These records not only help establish legal ownership, but are also essential for proper tax reporting.
Diversifying Your Investment Portfolio with Gold Coins
Bringing gold coins into your investment portfolio can add a unique layer of diversification. They can hedge against inflation, balance risk with other investments, and open up opportunities for both long-term and short-term investment strategies.
Hedging Against Inflation
In times of economic uncertainty, physical gold, particularly gold coins, can serve as a protective hedge against inflation. As the cost of living rises, gold coins can help maintain the value of your investment portfolio, safeguarding your purchasing power.
Balancing Risk with Other Investments
Including gold coins in your investment portfolio can help balance risk. The value of gold coins often moves inversely to other asset classes like stocks and bonds, providing a buffer against market volatility.
Long-Term vs. Short-Term Investment Strategies
Whether you’re looking for a long-term investment to weather market fluctuations or a short-term investment influenced by temporary market trends, gold coins can be a fit for your gold investing strategy, making them a viable option for gold investments.
The choice depends on your financial objectives and risk tolerance.
Bottom Line
Investing in gold coins can be a rewarding journey. From understanding the basics to navigating tax implications and legal considerations, it’s a path filled with learning and potential growth. As you progress, remember the importance of diligence, careful planning, and informed decision-making. With the right approach, you can unlock the golden opportunities that await in gold coin investing.
Frequently Asked Questions
How do I determine the authenticity of gold coins?
The authenticity of gold coins can be verified through several methods, including checking for hallmarks, weight and size measurements, and performing sound and magnetism tests. Purchasing from reputable dealers and considering third-party grading and certification can also ensure authenticity.
Can I purchase gold coins from banks?
Some banks do offer gold coins for sale, but availability can vary widely depending on the bank and the country. It’s often more common to purchase gold coins from specialized bullion dealers, coin shops, or online marketplaces.
How does the price of gold affect gold coin values?
The value of gold bullion coins is closely tied to the current market price of gold, known as the spot price. As the price of gold fluctuates, so does the value of gold coins. Numismatic and semi-numismatic coins may also be affected by gold prices, but their value is more influenced by rarity, condition, and historical significance.
Are gold coins a good option for short-term investments?
Gold coins can be a good option for short-term investments if you are knowledgeable about the gold market and current economic conditions. However, due to the premiums over the spot price and potential market volatility, gold coins are generally considered a more stable long-term investment.
How do I store and insure my gold coin collection?
Gold coins should be stored in a secure location, such as a safe deposit box at a bank or a home safe. For insurance, you can add a rider to your homeowner’s insurance policy or obtain a separate policy specifically for valuable items like gold coins. Ensure that your insurance policy covers the full value of your collection.
What impact do market conditions have on gold coin investing?
Market conditions can significantly impact gold coin investing. Economic uncertainty, inflation, and currency devaluation typically increase demand for gold, potentially raising gold coin prices. Conversely, a strong economy might lead to less demand for gold as an investment.
Is it better to invest in gold coins or gold bars?
The choice between investing in gold coins or gold bars depends on your investment goals. Coins are better for those interested in collectability and legal tender value, while bars typically have lower premiums over spot price and may be preferable for those focusing purely on the gold content and investment.
How do I sell my gold coins when I want to cash out?
To sell your gold coins, you can approach coin dealers, precious metal exchanges, online marketplaces, or auction houses. It’s important to research the current gold price and get multiple quotes to ensure you receive a fair price for your coins.
Nestled in the heart of the Great Plains, North Dakota offers residents a unique blend of rugged natural beauty, strong community ties, and a rich cultural heritage. From the vibrant urban atmosphere of Fargo to the serene charm of Bismarck, the state capital, North Dakota captivates with its distinct sense of tranquility. However there are cons to living in this state. In this ApartmentGuide article, we’ll uncover the pros and cons of living in North Dakota, so you can learn what life is like in “The Peace Garden.”
Renting in North Dakota snapshot
Population
783,926
Avg. studio rent
$610 per month
Avg. one-bedroom rent
$823 per month
Avg. two-bedroom rent
$923 per month
Most affordable cities to rent in North Dakota
Jamestown, Minot, Dickinson
Most walkable cities in North Dakota
Grand Forks, Fargo, Minot
1. Pro: Expansive natural landscapes
North Dakota offers residents vast natural landscapes to explore and enjoy, including the Badlands, Theodore Roosevelt National Park, and the prairies of the Red River Valley. These expansive areas provide opportunities for outdoor recreation such as hiking, camping, and wildlife watching where you could see some bighorn sheep.
2. Con: Harsh winter weather
North Dakota experiences harsh winter weather conditions, with frigid temperatures, heavy snowfall, and strong winds posing challenges for residents. Cities like Minot and Williston often contend with blizzards and extreme cold snaps, leading to hazardous driving conditions and disruptions to daily life.
3. Pro: Low population density
North Dakota has a low population density, which contributes to a peaceful and uncrowded living environment. With fewer people per square mile compared to more densely populated states like California, residents enjoy spaciousness and a sense of tranquility.
4. Con: Limited entertainment options
North Dakota may have fewer entertainment options, particularly in terms of cultural attractions, dining establishments, and nightlife. Cities like Grand Forks and Fargo offer some entertainment venues and events, but residents may find a lack of diversity and variety in recreational activities compared to other populous states.
5. Pro: Strong job market
North Dakota’s strong job market is fueled by its thriving energy sector, as well as opportunities in agriculture, healthcare, and technology. Cities like Bismarck offer diverse employment prospects, providing stability and opportunities for career advancement.
6. Con: Geographic isolation
North Dakota’s geographic isolation, coupled with its low population density, can contribute to feelings of isolation and limited access to services and amenities. Rural towns and communities, such as Rugby and Devils Lake, may be far removed from major urban centers and regional hubs, leading to challenges in accessing certain services.
7. Pro: Affordable cost of living
North Dakota maintains an affordable cost of living, with lower housing costs, utilities, and overall expenses compared to many other states. Cities like Grand Forks and Minot offer residents access to affordable housing options, with median home prices and rental rates below the national average. For instance, the median home price in Grand Forks is $227,000 and the average rental price for a one-bedroom is $897. These lower costs makes housing more attainable for many North Dakotans.
8. Con: Limited public transportation
North Dakota may have limited public transportation options, especially in rural areas, which can hinder residents’ mobility and access to essential services. Even in major cities like Fargo, public transportation options are limited. Fargo has a transit score of 24, meaning there is a few nearby public transportation options available for residents. This lack of public transportation infrastructure can pose challenges for individuals without access to private vehicles.
9. Pro: Clean air
North Dakota has clean air quality, with minimal pollution and pristine natural surroundings contributing to a healthy living environment. The state’s expansive rural areas and low population density help maintain air quality standards, ensuring residents can breathe fresh, unpolluted air.
10. Con: Seasonal allergies
North Dakota’s changing seasons can exacerbate allergies for some residents, particularly during the spring and fall when pollen levels are high. Cities like Bismarck and Minot may experience pollen allergies triggered by trees, grasses, and weeds, including sagebrush, ragweed, and wormwood.
11. Pro: Outdoor recreation
North Dakota offers abundant opportunities for outdoor recreation, with its vast natural landscapes and diverse terrain. Residents can enjoy activities such as fishing on Lake Sakakawea, skiing in the Turtle Mountains, or exploring the trails of Sheyenne National Grassland. For example, the Maah Daah Hey Trail provides hikers, bikers, and horseback riders with scenic vistas and challenging terrain to explore amidst the state’s natural beauty.
12. Con: Economic dependence
Methodology : The population data is from the United States Census Bureau, walkable cities are from Walk Score, and rental data is from ApartmentGuide.
If you’re looking for a destination with an unmatched combination of natural wonders, military importance, and old-school charm, you need to find a home in Colorado Springs.
This city, sitting at the foot of one of the most famous mountains in America, offers a unique blend of attractions that cater to outdoor enthusiasts, history buffs, and those who serve our country. From towering peaks to massive military installations, each site tells a portion of the city’s multifaceted story.
So, lace up your hiking boots and join us on a quick tour of this scenic city and learn all about ten of the top things Colorado Springs is known for.
1. Garden of the Gods
This public park, renowned for its towering red rock formations, is like nowhere else on the planet. Visitors can enjoy hiking, rock climbing, and simply enjoying the stunning views. Garden of the Gods is a haven for geology buffs as well as a place where photographers and nature lovers converge to appreciate its majesty.
2. U.S. Olympic & Paralympic Headquarters
Colorado Springs is known for being the headquarters of the U.S. Olympic & Paralympic Committee. As such, it is a pivotal center for athlete training and administrative operations. The complex includes state-of-the-art facilities that support American athletes in their preparations for the Olympics. Tours of the headquarters offer a behind-the-scenes look at where Olympic dreams are nurtured and realized.
3. U.S. Air Force Academy
One of the five American service academies, the U.S. Air Force Academy in Colorado Springs is crucial in educating and training officers for the nation’s air, space, and cyberspace forces. The sprawling campus is also famous for its stunning modernist chapel with seventeen spires, symbolizing an upward ascent into the air.
4. Old Colorado City
Stepping into Old Colorado City, you enter the original capital of the Colorado Territory. Today, this historic area charms visitors with its art galleries, boutiques, and restaurants housed in well-preserved 19th-century buildings. The area’s quaint streets and apartment communities host plenty of community events throughout the year, making it a lively part of the city’s social fabric.
5. Pikes Peak
Known as “America’s Mountain,” Pikes Peak dominates the landscape at over 14,000 feet above sea level. It’s a stunning backdrop for the city. Beyond that, it’s also where you’ll find the famous Pikes Peak Cog Railway, which offers spectacular panoramic views on its way to the summit. The peak inspires adventurers and artists alike with its formidable presence and breathtaking views.
6. Peterson Space Force Base
Peterson Space Force Base plays a critical role in the defense infrastructure of the United States, focusing on space operations. It’s a cornerstone of military presence in Colorado Springs and contributes significantly to the local economy and community. The base is part of America’s space defense industry, ensuring national security from above.
7. Cheyenne Mountain Zoo
Perched on the side of a mountain, Cheyenne Mountain Zoo is a unique place, to say the least. It is America’s only mountain zoo and features an impressive collection of animals in habitats that mimic their natural environments. The zoo is especially famous for its giraffe herd, offering the highest-altitude giraffe feeding experience in the world.
8. The Broadmoor
A historic hotel that exudes luxury, The Broadmoor has been a cornerstone of Colorado Springs tourism since 1918. With its picturesque lake, world-class golf courses, and impeccable service, the hotel offers a glimpse into the opulent past of American leisure. The Broadmoor attracts visitors from around the globe, seeking a first-class stay surrounded by the natural beauty of Colorado Springs.
9. Colorado Springs Pioneers Museum
Located in the beautifully restored El Paso County Courthouse, the Colorado Springs Pioneers Museum harbors artifacts and stories that trace the area’s history. The museum’s exhibits focus on the indigenous peoples, early settlers, and more. It’s a treasure trove for anyone interested in the fascinating history of the Pikes Peak region.
10. Red Rock Canyon Open Space
Adjacent to the Garden of the Gods, Red Rock Canyon Open Space offers additional trails and rock formations that are less crowded but equally stunning. The area is a favorite for local hikers, climbers, and cyclists, who find solace and adventure in its rugged terrain and hidden trails.
Building on the success of The Bristol, the 6-story Yerba Buena Island luxury building whose condos command prices as high as $4.4 million, the transformative new San Francisco neighborhood is adding more options for residents looking to adopt its sustainable living model.
Soon to join The Bristol will be a collection of townhomes that combine modern architectural design with the unique natural setting of the island.
Designed by renowned architecture firm Hart Howerton, the townhomes are inspired by San Francisco’s iconic row houses — but with a distinctly modern twist — and offer expansive floor plans ranging from 1,956 to 4,034 square feet, with prices starting at $2.85 million.
Creating an urban village within minutes of downtown San Francisco
The developers behind the project, Wilson Meany and Stockbridge Capital Group are not just adding residences to the naturally formed island, but rather cultivating an urban village — and taking advantage of the premium location of Yerba Buena Island.
Located strategically between Downtown San Francisco and the East Bay, the island serves as a peaceful retreat amidst the bustle of city life.
“With the arrival of the initial Townhomes within The Cove Residence enclave at Yerba Buena Island, our vision of an urban village is truly coming to life,” said Chris Meany, Managing Partner at Wilson Meany.
The new townhomes at The Cove Residences are a crucial part of this ambitious development, offering a connected, wellness-focused lifestyle within minutes of the city center.
The Townhomes within The Cove Residences on Yerba Buena Island
Ranging in size from 1,956 to 4,034 square feet, the newly developed townhomes come with two-, three-, and four-bedroom options, with prices starting at well over $2 million. Each unit will have its own private entrance and attached garage, with interior concepts by Meyer Davis — a globally recognized New York City-based design boutique.
Designed to maximize views and natural light, every townhome features large bay windows, extensive terraces, and private outdoor spaces that showcase breathtaking views of the San Francisco skyline and Bay Area.
The homes are equipped with top-tier amenities, including gourmet chef’s kitchens, spa-style bathrooms, and some with private rooftop access and elevators.
The townhomes were designed by architecture firm Hart Howerton
Hart Howerton, the renowned architecture firm behind The Townhomes, has a storied history of crafting high-end residential and resort communities. Past work includes premier resort and private club communities like Kukio, Santa Lucia Preserve, and Yellowstone Club.
Their design for Yerba Buena Island’s townhomes integrates modern aesthetics with functional elegance, creating a living space that harmonizes with both the island’s topography and San Francisco’s architectural heritage.
Inspired by San Francisco’s iconic row houses
Drawing inspiration from San Francisco’s iconic row houses, the newly built townhomes reflect the city’s architectural tradition but with a modern twist.
These residences feature a contemporary interpretation of the classic row house design, making them a fresh yet familiar addition to the island’s landscape.
“The Townhomes draw inspiration from the finely crafted building traditions of San Francisco coupled with the latest innovations of building materials and technology,” says Tim Slattery, AIA, a Partner at Hart Howerton.
“The homes are organized in a series that steps with the terrain, creating a unique rhythm and identity for each home. This design approach embraces a variety of expressions that respond to both the island’s natural and neighborhood settings.”
Inside the Showcase Home staged by BraytonHughes
A model home is ready to woo prospective residents.
The BraytonHughes-designed showcase townhome spans 2,253 square feet, the 3-bedroom, 3.5-bath residence has floor-to-ceiling windows, spacious terraces, and a rooftop deck that overlooks the Golden Gate Bridge, Angel Island, Clipper Cove, and the marina.
Pairing maritime elegance with urban design, this home features a blend of natural materials and a color palette that complements its coastal environment. It’s adorned with modern art and offers luxurious fittings, including an art collection curated by the Jessica Silverman Gallery.
Residents get to enjoy all the amenities of The Bristol
Townhome residents have full access to The Bristol’s posh amenities.
These include a well-appointed lobby, a rooftop terrace perfect for social gatherings, and a state-of-the-art fitness center, all designed to enhance the living experience and foster community interactions.
But dedicated new amenities are underway
Adding to the list of posh amenities, The Island Club — the wellness and community hub of the townhome development — is currently underway.
The upcoming Island Club promises to further enrich residents’ lifestyles with its comprehensive wellness and social facilities. This 10,000-square-foot sanctuary will feature a fitness area, spa services, outdoor pool and hot tub, and leisure spaces like a lounge, game room and library, all set against the scenic backdrop of Yerba Buena Island.
Aiming for LEED Silver Certification
In line with Yerba Buena Island’s commitment to sustainability, the Townhomes are designed for LEED Silver certification, emphasizing sustainable building practices and energy efficiency.
Each unit incorporates solar panels and uses high-quality, sustainable materials to minimize its ecological footprint.
Just a short ferry ride to downtown San Francisco
Yerba Buena Island’s proximity to downtown San Francisco — just an 8-minute ferry ride away — positions it as a desirable location for those who value quick access to the urban core while residing in a serene, natural setting.
The island offers extensive parks and recreational spaces, emphasizing its commitment to a green, sustainable lifestyle.
Sales start this Spring
Sales for the Townhomes at Yerba Buena Island are now open, with prices starting at $2.85 million. For more information, prospective residents are encouraged to contact the sales team or visit the Yerba Buena Island website.
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Living in Indiana provides residents a blend of urban excitement and small-town charm. Here, residents enjoy a laid-back lifestyle amidst bustling city centers and scenic countryside. From the dynamic energy of Indianapolis, the state’s capital and cultural hub, to the historic allure of towns like Bloomington, home to Indiana University, the “Hoosier State” provides a diverse range of experiences. However, there are cons to living there. In this ApartmentGuide article, we’ll dive into the pros and cons of living in Indiana to give you some insight into what life is like.
Renting in Indiana snapshot
1. Pro: Vibrant cultural festivals
Indiana is home to a variety of cultural festivals that celebrate its rich heritage and diverse communities. The state hosts events such as the Indy Film Fest and the Feast of the Hunters’ Moon in West Lafayette, providing residents and visitors a chance to experience the arts, history, and culinary delights of different cultures.
2. Con: Tornadoes and flooding risk
The “Hoosier State” faces certain risks such as tornadoes and flooding, particularly in the spring and summer months. Tornadoes can occur sporadically throughout the state, posing a threat to residents and property, while heavy rainfall can lead to flash flooding in low-lying areas.
3. Pro: Affordable cost of living
The cost of living in Indiana is relatively low compared to many other states. This affordability is evident in housing, utilities, and daily expenses, making it an attractive place for people looking for a more manageable financial lifestyle. Evansville, is a great example of this affordability as it has a median home sale price of $152,450 and an average rental price of $777 for a one-bedroom apartment.
4. Con: Limited public transportation
Indiana’s public transportation options are limited, especially in rural and suburban areas. This can pose challenges for those who do not own a vehicle or prefer not to drive, impacting their ability to easily access certain amenities. For instance, Terre Haute has a transit score of 19, meaning that almost all errands require a car.
5. Pro: Educational opportunities
Indiana has a strong educational system, with prestigious institutions like Purdue University in West Lafayette and Indiana University Bloomington. These universities not only provide excellent higher education opportunities but also contribute to local economies and cultural vibrancy.
6. Con: Air quality concerns
Some areas in Indiana face air quality issues, largely due to industrial activities and vehicle emissions. Since most residents rely on their cars to get around, Indiana has a reputation of facing pollution, especially in larger cities like Indianapolis. This environmental concern can affect residents’ health, particularly those with respiratory conditions, and efforts are ongoing to address and improve air quality across the state.
7. Pro: Thriving sports culture
Indiana has a rich sports culture, with a passionate following for basketball at all levels. From high school to professional leagues, with teams like the Indiana Pacers and the Indianapolis Colts. The state also hosts significant sporting events, such as the Indianapolis 500, attracting fans from around the world.
8. Con: Seasonal allergies
Indiana’s climate and diverse vegetation contribute to high seasonal allergies, with pollen levels often peaking in the spring and fall. Common allergens include tree pollen from species like oak, maple, and birch, as well as grass pollen during the summer months.
9. Pro: Natural beauty and outdoor activities
From the sand dunes of Indiana Dunes National Park along Lake Michigan’s shores to the scenic trails and waterfalls of Turkey Run State Park, there are ample opportunities for hiking, camping, and exploring nature. Additionally, Indiana’s numerous lakes, rivers, and reservoirs offer opportunities for fishing, boating, and water sports, providing endless recreational options.
10. Con: Limited job opportunities
Indiana, while home to thriving industries like manufacturing and healthcare, may offer limited job opportunities in specialized fields compared to larger urban areas. For example, in rural areas, residents may find fewer job openings in sectors such as technology or finance, requiring them to seek employment in larger cities.
11. Pro: Community spirit
Indiana is known for its strong sense of community and hospitality. Neighborhoods and towns across the state host local events, from farmers’ markets to county fairs, fostering a sense of belonging and togetherness among residents.
12. Con: Infrastructure challenges
Despite ongoing improvements, Indiana faces infrastructure challenges, including aging roads and bridges. In fact, Indiana received a C- on its 2021 Infrastructure Report Card highlighting the need for road repair. These issues can impact travel efficiency and safety, and addressing them is a priority for ensuring the state’s continued growth and development.
Methodology : The population data is from the United States Census Bureau, walkable cities are from Walk Score, and rental data is from ApartmentGuide.
In the heart of Oklahoma’s rolling plains lies Tulsa, a city that resonates with a charm and character all its own. Known as the “Oil Capital of the World,” Tulsa’s history is deeply intertwined with the boom and bust cycles of the oil industry. Whether you’re soaking up the beauty of the Tulsa River Parks, visiting a museum, or enjoying the tunes at a live music venue, Tulsa offers a unique blend of cultural experiences. With all these great qualities, it’s no wonder people are asking themselves, “Should I move to Tulsa?” In this article, we’ll dive into the pros and cons of living in Tulsa to help you figure out if this city’s rhythm matches your own. Let’s explore what makes Tulsa truly special.
Tulsa at a Glance
Walk Score: 39 | Bike Score: 47 | Transit Score: 23
Median Sale Price: $229,000 | Average Rent for 1-Bedroom Apartment: $832
Houses for rent in Tulsa | Apartments for rent in Tulsa | Homes for sale in Tulsa
Pro: Affordable cost of living
Tulsa has a cost of living that’s 12% lower than the national average. Additionally, residents enjoy housing costs that are about $200,000 less than the national average, making homeownership more accessible for many. This affordability extends to everyday expenses, such as groceries and utilities, allowing for a comfortable lifestyle without breaking the bank. The city’s commitment to maintaining affordability ensures that locals can enjoy a high quality of life at a lower cost.
Con: Weather extremes
Tulsa experiences a wide range of weather extremes, from scorching summers to icy winters. The city is also situated in an area known as Tornado Alley, making severe weather events, including tornadoes and hailstorms, a common occurrence. These weather extremes can pose challenges for residents, from the discomfort of high temperatures to the potential dangers and damages caused by severe weather events.
Pro: Exciting cultural scene
Tulsa boasts a plethora of cultural attractions. For example, the city is home to the Philbrook and Gilcrease Museums, which house world-class art collections, and the historic Greenwood District, known as the Black Wall Street. Additionally, Tulsa’s music scene is thriving, with venues like the Cain’s Ballroom hosting a variety of live performances. This rich cultural tapestry provides residents with endless opportunities for entertainment and education.
Con: Public transportation limitations
While Tulsa has made strides in improving its public transportation system, it still faces limitations. With a Transit Score of 23, the city’s public transit options are not as comprehensive or frequent as those in larger metropolitan areas. This can make it challenging for residents without personal vehicles to navigate the city efficiently. This reliance on cars contributes to traffic congestion and can limit accessibility for those who prefer or depend on public transit options.
Pro: Growing job market
Tulsa’s job market is on the rise, with opportunities spanning various industries such as aerospace, finance, and technology. The city has also launched initiatives like the Tulsa Remote program, attracting remote workers with incentives to relocate. These efforts have contributed to a robust job market, offering residents a wide range of employment opportunities and fostering economic growth.
Con: Limited nightlife options
Compared to larger cities, Tulsa’s nightlife options can be somewhat limited. While there are bars, restaurants, and entertainment venues, the variety and scale of nightlife activities may not meet the expectations of those accustomed to the bustling night scenes of bigger cities. This can be a drawback for people seeking a dynamic nightlife without having to travel out of town.
Pro: Green spaces and outdoor activities
Tulsa has an abundance of green spaces and parks, such as the Gathering Place, a world-class riverfront park offering a wide range of outdoor activities. The city’s commitment to outdoor spaces provides locals with ample opportunities for recreation, relaxation, and connecting with nature. Whether it’s hiking, biking, or simply enjoying a picnic, Tulsa’s parks and outdoor amenities enhance the quality of life for its residents.
Con: High allergen levels
For those with allergies, Tulsa’s high allergen levels can be a significant drawback. The city’s location and climate contribute to high pollen counts and other allergens, especially during spring and fall. This can be a considerable concern for individuals sensitive to allergens, potentially impacting their health and daily comfort.
Pro: Unique architectural heritage
Tulsa is renowned for its unique architectural heritage, particularly its collection of Art Deco buildings. This architectural style, prominent in the early 20th century, gives the city a distinctive aesthetic and historical depth. Landmarks like the Boston Avenue Methodist Church and the Philcade Building are just a few examples of Tulsa’s architectural treasures, attracting enthusiasts and contributing to the city’s cultural identity.
Con: Risk of flooding
Located near the Arkansas River, parts of Tulsa are susceptible to flooding, particularly during heavy rain seasons. This risk can affect property values and requires residents to take precautionary measures, such as purchasing flood insurance. While the city has made efforts to improve flood management, the potential for flooding remains a concern for those living in or near flood-prone areas.
Pro: Innovative urban development
Tulsa is at the forefront of innovative urban development, with projects like the Gathering Place Park and the revitalization of the historic Greenwood District. These developments not only enhance the city’s livability and attractiveness but also reflect Tulsa’s commitment to innovation and progress. By investing in urban development, Tulsa is creating a dynamic and sustainable environment for current and future residents.
Jenna is a Midwest native who enjoys writing about home improvement projects and local insights. When she’s not working, you can find her cooking, crocheting, or backpacking with her fiancé.