browsing

Apache is functioning normally

Today we’ll take a hard look at Citizens Bank Mortgage, which is operated by one of the oldest and largest banks in the United States.

As of the end of 2019, they considered themselves the 13th largest retail bank in the U.S., with $165.7 billion in assets and $125.3 billion in customer deposits.

Citizens Bank Mortgage Fast Facts

  • Headquartered in Providence, Rhode Island
  • 13th largest retail bank in the U.S. with 1,100 branches nationwide
  • Owns Franklin American Mortgage Company which provides correspondent and wholesale mortgage lending
  • Typically a top-25 mortgage lender nationally
  • Much of their home loan lending takes place in East Coast states like New York and Rhode Island
  • They originate a high percentage of home purchase loans and ARMs

They have roughly 1,100 physical branches across 11 states in New England, the Mid-Atlantic region, and the Midwest.

Outside of the bank’s 11-state branch footprint, they refer to themselves as “Citizens One Home Loans.”

The company also counts Franklin American Mortgage Company as one of its businesses, which offers both correspondent lending and a wholesale division to serve mortgage brokers.

In 2018, Franklin American Mortgage Company did roughly $3.2 billion in total loan volume, with much of it via home purchase financing.

The majority of the lending was concentrated in Texas, Florida, Pennsylvania, and Tennessee.

Citizens Bank recorded total home loan volume of nearly $10 billion in 2018, with about two-thirds of it purchase loans and the remaining third mortgage refinances.

Nearly a quarter of their overall volume was in New York State, with another 17% in their home state of Rhode Island, and about 10% in Pennsylvania.

Citizens Bank Mortgage isn’t as active in the west, with very little home loan lending west of the Mississippi River.

They do quite a bit of jumbo loan origination, and many of their funded loans in 2018 (~30%) were adjustable-rate mortgages.

How to Apply for a Home Loan with Citizens Bank Mortgage

  • Can apply online, by phone, in-branch, or connect directly with a loan officer
  • Digital mortgage process allows for web-based document collection and validation of assets, income, and taxes
  • A responsive checklist and task reminders allow you to track loan progress
  • Offers real-time co-browsing with loan officer to assist in completing the loan application

Fortunately, Citizens Bank Mortgage is on top of it when it comes to technology. You are able to apply for a mortgage or HELOC directly from their website, without speaking to a human.

Their mortgage application is powered by Blend, which allows borrowers to complete much of the loan process digitally.

This includes the ability to view personalized mortgage rates, upload key documents, or link financial accounts to automate income and asset verification.

You can also use their “find a loan officer” search feature to find a local branch of licensed loan originator near you.

Alternatively, you can simply call them up to get started, or visit a bank branch in person if face-to-face is what you prefer.

What Citizens Bank Mortgage Offers?

  • Fixed-rate mortgages: 30-year, 20-year, 15-year
  • ARMs: 3/1, 5/1, 7/1, and 10/1
  • Interest-only options
  • Conforming loans
  • Jumbo loans
  • Government loans: FHA and VA
  • First-lien HELOCs
  • Second mortgages: HELOCs and home equity loans
  • Construction-to-permanent financing
  • Doctor Loan Program
  • Available on 1-4 unit primary residences, second/vacation homes, and investment properties

Citizens Bank Mortgage offers home purchase, mortgage refinance, and home construction loans, along with second mortgages.

You can get a conforming loan or a jumbo loan, including an ARM with an interest-only option if you so desire.

In terms of government home loans, they appear to offer both FHA loans and VA loans, but not USDA loans. Those can be had via Franklin American Mortgage Company though.

Citizens Bank offers a variety of loan programs, including fixed-rate mortgages and ARMs with various loan terms.

They also offer both HELOCs and home equity loans, and they don’t charge any application fees or closing costs on the former other than a prepayment penalty if you close your HELOC within the first 36 months.

Some specialty loan programs include their first-lien HELOC and their doctor mortgages, which feature low down payment requirements without the need for mortgage insurance in some cases.

Citizens Bank Mortgage Rates

One positive with Citizens Bank Mortgage is they do openly advertise their mortgage rates. So you can see what they’re offering on a given day before applying for a home loan.

They display mortgage rates for the 30-year fixed, 20-year fixed, and 15-year fixed, along with the 5/1 ARM, 7/1 ARM, and 10/1 ARM so you can get a feel for how competitive they are relative to other mortgage lenders.

You can also see their jumbo mortgage rates for all those products, along with a 3/1 ARM and a 5/1 ARM with interest-only option.

As always, check the interest rate assumptions to see what credit score and LTV is required for the advertised rate.

Most of their advertised rates tend to come with a .25% discount point, which is pretty reasonable, but not no cost.

And understand that your unique loan scenario may price differently than what you see on their website.

In terms of lender fees, they don’t disclose if there’s an application fee or loan origination fee, so be sure to keep a close eye on what’s being charged when comparing lenders.

Your Home Rewards from Citizens Bank

Citizens Bank has also partnered with real estate brokerage HomeStory Real Estate Services to offer a “full service home-buying program” to its customers.

It’s basically a real estate agent referral program that most notably includes cash back to the home buyer or home seller when they use one of the agents to buy or sell a property.

The rewards vary from $350 to $6,500 depending on the purchase/sales price, but aren’t available to customers in Alaska, Iowa, Louisiana, or Missouri, or in connection with FHA or VA loans from Citizens Bank.

They say their agents maintain 90% or higher customer satisfaction rating and have at least five years experience.

Citizens Bank Mortgage Reviews

Citizens Bank Mortgage comes highly rated, with a 4.96 out of 5-star rating at Zillow based on over 1,500 customer reviews.

Many past customers say both the interest rate and fees/closing costs were lower than they had expected.

That’s all we have to go for reviews since they are a large depository bank and most reviews are for the bank in general, not necessarily its mortgage division.

One thing I can add is that your mortgage experience may vary widely with the thousands of employees at the bank possibly providing completely different levels of service.

Citizens Bank Mortgage Pros and Cons

The Good

  • They advertise their mortgage rates on their website (which appear competitive)
  • Offer a 0.125% rate discount if you set up auto payments from a Citizens Bank checking account
  • You can apply directly online (using Blend technology)
  • Highly rated on Zillow
  • Lots of loan options including home equity loan products
  • You can manage your home loan with their smartphone app
  • They service their home loans
  • Licensed in all 50 states and DC

The Possible Bad

  • Do not disclose lender fees upfront
  • No physical branches outside of their 11-state footprint
  • Do not offer USDA home loans

Source: thetruthaboutmortgage.com

Apache is functioning normally

PRESS RELEASE

Published July 7, 2023

POP Home Fabric transforms home decor shopping with a user friendly online store, offering premium fabrics and personalized service.

Hamilton, Ontario, Canada – July 7, 2023 —

POP Home Fabric, a leading provider of luxury home textiles and textile products, is excited to announce the launch of its eagerly anticipated online store. This development will fundamentally alter how those who enjoy home decor purchase materials.

The goal of POP Home Fabric is to make the process of home decorating simple and enjoyable, for which it has developed a user friendly website (https://pophomefabric.com/) that offers an extensive range of high quality fabrics, making it easy for customers to find the ideal materials for their interior design projects.

The recently released platform offers an easy to understand interface which makes buying easier. The website offers simple navigation across several categories, including outdoor, upholstery, and drapery fabrics. Customers can find the perfect alternative to match their style and preferences thanks to each category’s wide range of fabric choices.

One of the standout features of the POP Home Fabric website is its advanced search functionality. Customers may easily find their desired options by searching for fabrics by color, pattern, material, and even fabric measurements. The platform also gives buyers access to fabric samples, high resolution photos, and complete product descriptions to aid in their decision-making.

CEO of POP Home Fabric says, “We are excited to introduce our innovative online platform, which aims to simplify the fabric shopping experience for our customers.” We aim to empower and thrill our clients by providing a vast selection of top-notch resources and an effortless browsing experience.

POP Home Fabrics is Canada’s first comprehensive Upholstery, Drapery and Home Decor Fabric store. With reliable and exclusive Canadian suppliers, Upholstery fabric in Toronto, Canada is able to deliver high quality upholstery and drapery fabrics for customer’s homes.

Along with a large selection of items and an intuitive layout, POP Home Fabric enjoys offering exceptional customer service. The company’s dedicated staff of specialists is on hand to offer individualized advice and guidance throughout the shopping experience to ensure that customers receive the support they need to fulfill their creative ambitions.

Pop Home Fabrics, is committed to bring personalized customer service to internet shopping.To learn more about POP Home Fabric and to explore their wide selection of premium fabrics, please visit https://pophomefabric.com/.

About POP Home Fabric

POP Home Fabric is a leading premium home fabric and textile product provider. With a wide range of options, including upholstery, drapery, and outdoor fabrics, POP Home Fabric aims to make the fabric shopping experience seamless and enjoyable. With a commitment to exceptional customer service, POP Home Fabric strives to inspire and empower customers in their home decorating journey.

Contact Info:
Name: Support
Email: Send Email
Organization: POP HOME
Website: https://pophomefabric.com/

Release ID: 89101792

If you detect any issues, problems, or errors in this press release content, kindly contact [email protected] to notify us. We will respond and rectify the situation in the next 8 hours.

COMTEX_436531960/2773/2023-07-07T09:27:59

Marketers Media

Source: digitaljournal.com

Apache is functioning normally

Apache is functioning normally

Whether you’re looking to spruce up your barbecue area or design a fully equipped kitchen, there are plenty of options and logistics when it comes to building an outdoor kitchen.

This guide will go through the steps of siting, designing, and creating an outdoor kitchen, along with some typical costs and considerations for making your home improvement dreams a reality.

Settling on a Location

Before diving into the details of outdoor kitchen designs, settling on a location can help focus your planning and creativity. For starters, you can take stock of existing structures in the yard that could be incorporated into the design, such as patios and decks.

When envisioning options, measure the square footage of potential kitchen areas. This can inform what types of equipment and accessories will fit in the space you have.

Having some essential design features in mind, such as a grill or wood-fired pizza oven, could help guide the siting process, too. If you have your eyes on heavier equipment, like furniture or a bar, you may need to reinforce a deck or patio to safely accommodate the extra weight. Consulting with a professional contractor is advisable to prevent sagging in the floorboards or more severe damage that could lead to a complete backyard remodel.

Slope and distance from the house could also impact the feasibility and cost. Building on an inclined surface might require a more robust foundation than a level area. Situating an outdoor kitchen a greater distance from the home may add the expense of connecting electricity or plumbing, not to mention the practicality of walking back and forth. Adding outlets can cost between $150 and $300 each, while new wiring costs $7 to $10 per foot, excluding the cost of labor for installation.

If possible, use existing structures or buildings next to the house to reduce such costs, and integrate an outdoor kitchen with the rest of the living space.

If you need help paying for your backyard sanctuary, a personal loan may be one option to consider. Personal loans are repaid with monthly payments of principal plus interest. Generally, there is some discretion on how the borrower spends the money, whether on an outdoor kitchen or paying off credit card debt.

Recommended: What Are the Most Common Home Repair Costs?

Creating an Outdoor Kitchen Design

After hashing out where to build, it’s time to delve into the details of the outdoor kitchen design. While browsing through dream kitchens on HGTV can provide inspiration and creative ideas, being realistic with your budget and desired kitchen features can keep you on track.

To avoid the impulse of keeping up with the Joneses, it may be beneficial to make a ranked list of possible equipment and design components alongside a budget.

Keeping in mind your own cooking habits and diet can be a useful litmus test to determine what you may use frequently and what could likely accumulate dust. It’s also worth considering how many people you’d like to accommodate.

If you’re overwhelmed with ideas but don’t know where to begin, finding a focal point to design around is one option to consider. For instance, barbecue connoisseurs may want to orient the outdoor kitchen design around the grill, whereas skilled mixologists might prefer to showcase their craft behind a central bar area.

Here are some further ideas for accessories and appliances to outfit an outdoor kitchen.

Grill

A built-in grill can look sharp and tailored within an outdoor kitchen design, but it can’t be wheeled away for additional entertainment space when you’re not cooking. Opting for a freestanding grill could help stretch your budget further and add some flexibility to an outdoor kitchen design.

Kitchen Island

Adding a kitchen island for a mixed-use of counter space and seating can further integrate the cooking and dining space to bring everyone together at a dinner party or family gathering. Opting for the roll-away variety can help you customize an outdoor kitchen depending on the occasion.

Sink

Including a sink in an outdoor kitchen is useful for cooking, easy clean up, and sanitation. The practicality of installing a sink and plumbing also depends on how far the outdoor kitchen is from the house. Carrying dirty dishes and pans a short distance for washing inside may not be worth the added cost of plumbing for some people.

Refrigerator

Whether storing food or drinks, a fridge can keep an outdoor kitchen stocked and ready and cut down on trips between the house. This requires running electricity for ongoing operation. For a full-size fridge, you can expect the cost to average between $1,000 and $2,000.

Countertops

As the cook in any family can attest, counter space is a big help when it comes to staging and preparing food. On top of stains and wear and tear over time, outdoor kitchen countertops may need to be weather resistant, too.

Marble is a popular interior countertop surface, but its cost and vulnerability to staining and wear mean it’s not the most durable. Some more hardy choices include slate and granite. Tile is a cheaper sturdy alternative, but typically requires more maintenance to clean the grout and replace cracked pieces.

For a functional amount of space, consider having at least 18 inches on each side of a sink, as well as 18-24 inches on either side of a grill.

Cabinets

To house all your outdoor kitchen utensils, pots, and pans in one place, cabinets are a good bet. Similar to the countertops, durability is a key factor to consider alongside cost. Using a marine-grade paint or stain on wood cabinets can improve their weather resistance and tie in the outdoor kitchen design with the house.

Lighting

Unless the outdoor kitchen will be built on an existing porch or patio, adding lighting may be a necessary investment to make a backyard dinner party possible. As mentioned, extending electrical wiring and adding outlets comes with costs. Given that 15% of home energy expenditures go towards lighting, going with solar lights could save on both the electric bill and wiring.

Landscaping

After construction is completed, landscaping can further beautify the outdoor kitchen space and provide privacy and shade in the way of bushes or trees. Landscaping costs can be as little as $500 to $700 for smaller jobs, though this is an easier opportunity than say plumbing or electric to recoup some money as a DIY project.

Recommended: 20 Beautiful Small-Kitchen Remodel Ideas

Choosing a Shelter

Even in the fairest of climates, having some protection from the sun and assurance you won’t be caught in the rain can be an asset to an outdoor kitchen design. In addition to making a more comfortable space, a shelter could also increase the lifespan of your outdoor kitchen equipment and furniture.

Check out some possible options that can protect and enhance an outdoor kitchen design.

Awning

Awnings are an option for shading an outdoor kitchen area. Based on size and materials used, a built-in awning costs between $1,409 and $4,350 on average.

Canvas awnings are not the most durable choice for areas that can have harsh weather conditions, but they can be removed and stored during winter and inclement weather to extend their lifespan. Metal awnings are another option, and are generally cheaper and sturdier. Upgrading to a mechanically retractable awning will likely increase cost, but can be handy in locations where weather changes quickly and frequently.

Gazebo

A framed gazebo can protect furniture and kitchen equipment while creating a comfortable space for cooking and dining. Whereas awnings are often attached to a structure or need to be taken down seasonally, gazebos can offer longevity and more options for placement.

Pergola

Composed of vertical posts and overhead cross-beams with open lattice, pergolas can add some architectural appeal to an outdoor kitchen area. The structure is well-suited for growing vines to increase shade while allowing for ample breeze.

The Takeaway

After figuring out the location, dimensions, and trimmings for your outdoor kitchen design, you can begin itemizing building or remodeling costs within a budget. If you come to realize you’re biting off more than you can chew, it’s okay to do the project in pieces. After all, cooking in your outdoor kitchen could be quite a bit cheaper than ordering from a restaurant, thus helping pad your savings further. There are also options to finance an outdoor kitchen project, such as personal loans.

If you’re ready to roll up your sleeves and get some home repairs or renovations done, see what a SoFi personal loan can offer. With a SoFi Home Improvement Loan, you can borrow between $5k to $100K as an unsecured personal loan, meaning you don’t use your home as collateral and no appraisal is required. Our rates are competitive, and the whole process is easy and speedy.

Turn your home into your dream house with a SoFi Home Improvement Loan.


SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

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

SOPL0623043

Source: sofi.com

Apache is functioning normally

Apache is functioning normally

Today we’ll take a close look at “Castle & Cooke Mortgage,” an independent mortgage lender with a sizable presence in the Southwestern United States.

They’re a retail, direct-to-consumer lender that has been around for about 15 years, yet they still mustered nearly $1.5 billion in total production last year.

The company is located just south of Salt Lake City in Draper, Utah, the state where they do most of their business.

They’re also quite active in nearby Nevada, so if you live in either state, you may have come across them. Let’s learn more.

Castle & Cooke Mortgage Fast Facts

  • Retail direct-to-consumer mortgage lender
  • Founded in 2005, headquartered in Draper, Utah
  • Offers home purchase financing and refinance loans
  • Funded nearly $1.5 billion in home loans during 2019
  • Licensed in 37 states and the District of Columbia
  • Most of their volume came from the states of Utah and Nevada

As noted, they’re quite active in the Southwestern United States, namely in Utah and Nevada. They also did a large amount of lending in Arizona, California, and Texas.

However, they are licensed in 37 states and the District of Columbia, so you can work with them if you live in most states nationwide.

At the moment, Castle & Cooke Mortgage is licensed in the following states: AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, MD, MI, MN, MO, MS, NE, NV, NM, NC, ND, OH, OK, OR, RI, SC, TN, TX, UT, WA, WI and WY.

They also have physical branches in Arizona, California, Colorado, Florida, Hawaii, Idaho, Iowa, Nebraska, Nevada, New Mexico, Tennessee, Texas, and Utah.

Last year, they did about $1.3 billion in total loan origination volume, with about two-thirds of that home purchase lending. The rest was made up of mortgage refinances.

About half of their volume consisted of conventional loans, with another third FHA loans and the rest mixed between jumbo loans, VA loans, USDA loans, and so forth.

How to Apply for a Home Loan with Castle & Cooke Mortgage

  • You can apply directly from their website or free smartphone app
  • Get started by browsing the loan officer directory on their website
  • Or you can call/visit a brick-and-mortar branch if one is located near you
  • They offer a digital home loan process from start to finish

You can apply for a home loan directly from the Castle & Cooke Mortgage website, or download their free smartphone app and get started that way as well.

First, use the branch directory on their website to find the one nearest you, then click on “Loan Officers” to see who works there.

You can read their bios, or alternatively just choose one if you’ve been referred or know who you’d like to work with.

Once on a loan officer’s personal webpage, you’ll be able to start the mortgage application or pre-qualification process.

They offer a digital mortgage loan process that allows you to complete most paperwork electronically, including the ability to eSign documents.

You can also scan and upload paperwork, link financial accounts, and receive updates as you go. whenever you need help, there’s an option to message your loan officer instantly.

Simply put, they make it easy to apply and track loan progress along the way, from start to finish.

Loan Types Offered by Castle & Cooke Mortgage

  • Home purchase financing, refinance loans, and renovation loans
  • Conventional loans backed by Fannie Mae and Freddie Mac
  • Government-backed home loans: FHA, USDA, and VA
  • Jumbo home loans up to $3 million loan amounts
  • Mortgages for self-employed borrowers
  • First-time home buyer programs and down payment assistance
  • HUD Good Neighbor Next Door (GNND) program
  • Condotel loans and other niche products available
  • Fixed-rate and adjustable-rate mortgage options
  • Available on primary, secondary homes, and investment properties

Castle & Cooke Mortgage Rates

You won’t find mortgage rates listed on the Castle & Cooke Mortgage website. This doesn’t mean they’re good, bad, or just plain average.

Many lenders choose not to publicize their mortgage rates for one reason or another, and Castle & Cooke Mortgage is one of those lenders.

So in order to get pricing and compare rates, you’ll need to get in touch with a loan officer first.

The same is true of their lender fees, which they don’t seem to disclose on their website.

If and when you obtain pricing, be sure to inquire about any fees they charge, such as an application fee or loan origination fee.

Also take the time to compare their rates and fees to other lenders to see where they stand. While pricing isn’t everything, it’s certainly a deciding factor for many homeowners.

Castle & Cooke Mortgage Reviews

On SocialSurvey, they have a 4.93 rating out of 5 based on more than 8,000 reviews from past customers. That’s an excellent rating, especially given the number of reviews.

Over at Zillow, they have a 4.98-star rating out of 5 based on nearly 300 customer reviews. That’s near perfection and a truly impressive rating.

You can also see individual loan officer reviews both on the Castle & Cooke website (on each loan officer’s webpage) and on Zillow. Be sure to fine-tune to if you want to work with the

One slight negative is the fact that they have a ‘C’ rating with the Better Business Bureau at the moment, which is based on complaint history. Hopefully that improves soon.

They also aren’t accredited with the BBB, not that it equates to a company being good or bad necessarily.

In summary, Castle & Cooke offers a good mix of home loan programs and a variety of convenient ways to apply for a mortgage.

That, coupled with their excellent customer reviews, could make them a good choice for your mortgage needs if offered in your state.

Castle & Cooke Mortgage Pros and Cons

The Pros

  • Can apply for a mortgage directly from their website
  • Also have brick-and-mortar branches in 13 states
  • Lots of loan programs to choose from including jumbos
  • Excellent customer reviews
  • Free smartphone mortgage app
  • Free mortgage calculators and mortgage glossary on-site

The Cons

  • Not licensed in all states
  • Do not disclose mortgage rates or lender fees on website
  • Currently have a ‘C’ rating with the BBB
  • May transfer your mortgage to a third-party loan servicer

(photo: James Petts)

Source: thetruthaboutmortgage.com

Apache is functioning normally

Apache is functioning normally

In Buddhism, they call a wandering mind “monkey mind.” I have more of a “gorilla mind”, stampeding out of control, acting on every impulse, and laughing off my attempts to tame it. 

That’s why I found the CEO Schedule so effective. It’s not a regimen; it doesn’t require you to get up at 4:45 am, pound 40 grams of organic protein, and perform yoga poses during conference calls. 

Rather, the CEO “Schedule” is merely a list of habits. Extracted during a 12-year Harvard Business School study of 27 CEOs, the CEO Schedule highlights ways high-level executives can more effectively manage their time. 

While I’m neither high-level nor an executive, certain elements of the CEO Schedule have massively helped me manage my time better without disrupting my existing regimen (i.e. upsetting my gorilla).  

In this article, I’m going to highlight certain habits within the CEO Schedule that I think would help anyone manage their time better and make work more enjoyable. Even if you can implement just one habit from the CEO Schedule, it can be a huge help.

What’s Ahead:

Bundle together similar tasks

Ever feel like you’re “shifting gears” too much during a workday, between emails, personal stuff, and the primary task at hand? 

The problem with “shifting gears” too often is twofold. First, it wears out your clutch, aka your brain. Second, when your brain has to constantly start over and refocus, productivity is lost. 

While minute-to-minute focus can be achieved through meditation and mindfulness, a quick fix you can perform on your calendar is to bundle together similar tasks. The study found that highly effective CEOs all made an effort to stack admin/meeting/problem-solving tasks together so that they could preserve mental energy and momentum.

Try this:

Head over to your calendar and try to create as many large blocks of tasks as possible. Instead of peppering meetings throughout the week, try to stack all of your meetings on, say, Wednesday and Thursday, and keep Monday and Tuesday sacred for hunkering down and writing. 

Put downtime on your calendar

Time spent away from work is just as, if not more important, than the work itself. For that reason, it deserves a spot on your calendar! (Note, I’m keen on calendars -see my piece on keeping your finances on track with a financial calendar!)

The study found that even the busiest CEOs spend at least three hours socializing with friends and family, two hours on hobbies or TV, and one hour in the gym. The precision timing is no coincidence; the 27 CEOs treat their mental and physical health like clients – they’re never late to a meeting and they give them full attention. 

Try this:

A simple checkbox in my Gmail settings provided a nice boost to my mental health. 

  1. First, set your default view from five-day to seven-day, so that each time you visit your calendar you can see your weekend activities and not just your work. 
  2. Next, bake your personal time into your calendar. Color code your gym time, your quality time with family and friends, and your solo downtime, whether it’s spent gaming, browsing Netflix, or figuring out your next investment.

All of these restful activities are just as important at work, so they deserve space on your calendar.  

Pick up the phone more often

Despite most of their jobs revolving around communication, the 27 CEOs spent just 24% of their time on email, and 76% of their time face-to-face or on the phone. 

While that might sound inefficient and a little old-fashioned, communicating in-person or at the very least on the phone is actually a huge time saver. Emails are disruptive, prone to misinterpretation, and are no faster than a telegraph for communicating with a single individual. 

Plus, CEOs value meetings and Zoom calls because they build trust and relationships. Tone, emotion, and subtlety are lost in plaintext format. 

Try this:

If an email upsets, annoys, or confuses you, or if your email might elicit such emotions in the other party, pick up the phone instead. By communicating more directly via voice, you’re less likely to have a miscommunication and end up saving time in the long run. 

Shorten your meetings

During the study, one of the most common “confessions” among CEOs is that many of their one-hour meetings could and should have been 30- or even 15-minute meetings. However, they generally refrained from suggesting shorter meetings because they didn’t want to appear too busy or self-important (49% of their meetings were scheduled by the other party). 

I’m sure you’ve been in a meeting that went on way too long because someone was arbitrarily trying to fill the hour they asked for, or the conversation was caught in a “swirl” where attendees began repeating themselves and somebody says “what we need to find is a balance.” 

When meetings are shorter and end early, you’ll find that the first casualty is that time-wasting fluff and swirl. Tighter time windows push for expediency and let everyone return to their days sooner. 

Try this:

Reset your default meeting duration from one-hour to 30-minutes. You’ll end up saving yourself and all in attendance a lot of time. To fit everything in, stick to a strict agenda, take notes, and establish clear owners/due dates for all follow-ups. 

If you end even earlier and want to wrap things up politely, simply say “if there’s nothing left to cover, I’ll give you 15 minutes of your day back.”

Always have an agenda

Perhaps unsurprisingly, the word “agenda” appeared 27 times in the HBR report. Most of the time it wasn’t in the context of a meeting, but rather in reference to a greater set of personal goals. 

At one point during the study, the researchers asked the CEOs to describe their goals for the quarter and the hours devoted to achieving them. All 27 CEOs provided this data on the spot. 

As someone who’s battled feelings of depression, I’ve learned that one of the secret killers of mental health is a feeling that you’re lacking momentum. You have things that you want to accomplish, but you’re not moving towards them. Consciously or subconsciously, that feeling of stagnation really sucks. 

Thankfully, by contrast, any feeling of progress, or that you’ve pushed the ball forward just a little bit, can be a huge source of reprieve. 

Try this:

Right now, make a list of three goals. They can be a mix of personal or professional, like “lose 10 pounds” or “get my personal finances in order”. 

Next, look at the last two weeks of your calendar and ask yourself: how many hours did I devote to those goals? Which might need more attention next week?

By keeping an agenda of any kind, and chipping away at it each day, you can ensure that you’re always moving towards your goals. 

Summary

As you can see, there’s a reason CEOs can pack so much into their days. And you too can take some of the most common CEO strategies and apply them to your own life.

No matter if you take all of these and run with them, or you find just one way to improve your productivity, you’ll certainly be happy you did.

Read more:

Source: moneyunder30.com

Apache is functioning normally

Apache is functioning normally

While we keep hearing news about nonbanks taking over the mortgage industry, one depository bank that’s still cranking out a ton of home loans is BNC National Bank.

Specifically, the BNC National Bank Mortgage Division, which is located in Overland Park, Kansas.

Their parent company is actually headquartered in Bismarck, North Dakota, which probably explains the acronym BNC.

And for the record, we’re not talking about the Irvine, CA-based subprime lender BNC Mortgage that was owned by investment bank Lehman Brothers, both of which no longer exist.

Let’s learn more about BNC National to see if they’re a good choice for your mortgage needs.

BNC National Bank Mortgage Fast Facts

  • Nationally licensed direct-to-consumer retail mortgage lender
  • Offers home purchase loans and refinance loans
  • Founded in 2009, located in Overland Park, Kansas
  • Parent company is BNC National Bank, a publicly traded bank
  • Funded about $1.3 billion in home loans last year
  • About half of total origination volume made up of VA loans
  • Most active in California, Florida, Kansas, Texas, Virginia, and Washington

Now that we know a little more about BNC National Bank, let’s talk about what they specialize in, VA loans.

They refer to themselves as one of the “top-10 VA lenders in the country,” and if you look at their 2019 production, nearly half of total volume was derived from VA lending.

So it’s clear they work with veteran and active duty homeowners, but that’s not all. They also did more than half a billion in conventional loans too, along with FHA, USDA, and jumbo loans.

That means they serve lots of civilian homeowners as well and offer a variety of different home loan options to suit all borrowers.

While they originate both home purchase financing and refinance loans, about 70% of their volume consisted of refinances, so they’re perhaps better-suited for the existing homeowner.

They come very highly-rated, with some of the best ratings in the industry, and despite being backed by a large bank, they embrace technology.

How to Apply with BNC National Bank Mortgage

  • They make it easy to apply directly from their website without assistance
  • Their digital mortgage application is powered by fintech company Blend
  • Allows you to complete most tasks remotely and paperlessly including linking bank accounts and payroll
  • You can also search their loan officer directory if you’ve been referred or want to choose a specific individual to work with

BNC National Bank makes it super easy to apply for a home loan. Simply surf over to their website and hit “Apply Today.”

That will take you directly to their digital mortgage application powered by fintech company Blend, which is a leader in the space.

You don’t have to speak to anyone to get started – simply sign up and you’ll be on your way.

Blend allows you to digitally apply for a mortgage, and speed up the process thanks to things like single source validation where you can verify and import income/assets with bank and payroll credentials.

This differs from the old way of doing things, which required hunting down documents and then either faxing them or scanning/uploading them.

Aside from saving time, it can also be a more secure method to share sensitive financial information.

You can also eSign many documents like disclosures, and once submitted and hopefully approved, you can use their online portal to track the status of your loan application.

Technology aside, a mortgage loan officer and loan processor will be available to you to help at any time if you have questions or need assistance.

BNC National Bank has a free smartphone app that could come in handy as well.

Those who are just browsing can look through their loan officer directory to find someone specific to work with.

If you’ve been referred to someone specific, or like a certain individual, it’s also possible to apply from their specific webpage.

Lastly, you can call them, email them, or fill out a mortgage quote form on their website and wait for someone to reach out.

Home Loan Programs Offered by BNC Mortgage

  • Home purchase loans
  • Refinance loans (streamline, rate and term, cash out)
  • FHA loans
  • VA loans
  • USDA loans
  • Jumbo loans
  • Fixed-rate mortgages: ranging from 10 to 30 year terms
  • Adjustable-rate mortgages: 3/1, 5/1, 7/1, and 10/1 ARMs
  • Home equity lines of credit (HELOCs)

BNC National Bank seems to offer all the core mortgage products available, including home purchase loans and refinance loans, including cash out refinances.

In terms of loan programs, you should be able to get a conforming loan backed by Fannie Mae or Freddie, including their 3% down offering, or a jumbo loan if your loan amount exceeds the conforming loan limit.

They also offer government-backed home loans, including FHA loans, USDA loans, and VA loans, with the latter being a specialty.

It’s unclear if they offer home construction or home renovation loans, but there’s a decent chance they do since they’re backed by a large bank.

Per their HMDA data, they did a limited amount of home equity lending via HELOC as well.

They seem to specialize in refinancing, so existing homeowners with uncomplicated loan scenarios may be a good fit.

BNC National Bank Mortgage Rates

Like a lot of mortgage lenders out there, BNC National Bank chooses not to publicize its mortgage rates, but does say it offers “some of the lowest rates in the industry.”

As I’ve said before, this doesn’t make them cheaper or more expensive than the next guy, but it does mean you’ll need to get in touch with somebody to get a quote.

And once you do get a quote, you’ll need to compare it to other banks and lenders out there to see where they stand pricing-wise.

That being said, you can see their rates in the Zillow Mortgage Marketplace (without making contact), where they tend to advertise quite a bit.

When I came across them, they were advertising the second cheapest interest rate on the platform for my sample loan scenario, with lender fees below $500.

So pretty competitive, especially when you factor in the limited closing costs.

Additionally, their mortgage rates were rated “excellent” on LendingTree, which tells us borrowers seem to think they’re pretty low.

Remember to consider both interest rates and lender fees, collectively the mortgage APR, when comparison shopping.

BNC National Bank Mortgage Reviews

On SocialSurvey, BNC National Bank has a 4.86-star rating out of 5 based on over 8,000 reviews from past customers.

That’s one of the highest ratings I’ve seen, and even more remarkable given the large sample size.

On Zillow, they’ve got a 4.69 rating out of 5 from more than 2,000 reviews, and lots of them say the interest rate was lower than expected.

Over at LendingTree, it’s the same story – a 4.9-star rating out of 5 from about 3,000 reviews and a 99% recommend rate. It doesn’t get much better than that.

All in all, they appear to be very consistent with regard to customer satisfaction, so if their mortgage rates and fees are also low, they could be a great choice for homeowners, especially existing ones looking to refinance.

BNC National Bank Mortgage Pros and Cons

The Pros

  • Backed by a reputable, publicly-traded depository bank
  • Excellent customer reviews across all ratings sites
  • A+ BBB rating, accredited since 2013
  • Licensed to lend nationwide
  • Offer a digital mortgage application process
  • Can apply online without human assistance
  • Lots of loan programs to choose from
  • Free mortgage calculators and mortgage glossary on site

The Cons

  • Limited physical branches nationally
  • Do not publicize their mortgage rates
  • Do not mention lender fees on their website

Source: thetruthaboutmortgage.com

Apache is functioning normally

Apache is functioning normally

Living rooms that have a subtle, yet luxurious appearance are usually decorated with simple decor. There’s nothing flashy or gaudy about it, which is why the look is actually easy to achieve. With the unofficial start of summer, it’s time for a clean slate with the help of neutral decor—and these stylish Amazon finds will get you there. 


Neutral home decor is all about incorporating high-end pieces in classic base hues and materials. Think cream and white fabrics, marble accents, and gold-framed furniture. To get the look, you just need to know where to shop, which is where Amazon’s new Neutral Luxe storefront comes in. The section is filled with elegant-looking options that are all at an affordable price. Oh, and most of these picks are even on sale—up to 62 percent off. 



Best Neutral Luxe Home Decor

  • La Jolie Muse Wood Wick Sandalwood Candle, $31 with coupon (was $47)
  • Goodpick Round Wicker Storage Basket, $27 (was $36)
  • Walker Edison Round Accent Faux Marble Coffee Table, $97 (was $209)
  • Stone & Beam Bradbury Chesterfield Leather Sofa, $1,271 (was $1,760)
  • Kate and Laurel Hutton Round Wood Wall Mirror, $200 (was $282)
  • Emme Muslin Throw Blanket, $30
  • Soohow Low Scandinavian Cognac Leather Chair, $159 (was $179)
  • Creative Co-Op Decorative Marble Figurine Chain Link, $49
  • VerRon Mid-Century Modern Globe Floor Lamp, $48 (was $50)




Marble coffee tables just ooze elegance, but you don’t have to pay full-price for the look. This stylish option from Walker Edison is a shopper favorite, earning more than 3,500 five-star ratings on Amazon thus far. The on-sale pick has the appearance of a marble surface, but is actually made with laminate finish complete with little streaks for a realistic effect. It has a gold, minimalistic base with a criss-crossed leg design for a unique twist. 


Amazon



To buy: $97 (was $209); amazon.com.


Want to bring in the simple look without revamping your whole living room? Go with a decorative piece, like this stoneware vase set. Each piece has a different shape that looks beautiful together or spaced out on their own. The vases have a small mouth ideal to accommodate dried flowers and a dotted exterior design that breaks up the beige color. 


Amazon



To buy: $39; amazon.com. 


While the neutral aesthetic is filled with calm hues, incorporating wooden pieces is also very much part of the look. Not only will the wood deliver a relaxed vibe, but it also brings in some warmth. One prime example is this Scandinavian-style chair that happens to be on sale. The lounger has a beachwood-looking base and a woven leather back and seat that molds to your curves when sitting. You’ll also love the reclined design and wide bottom that invites you to relax for a while.


Amazon



To buy: $159 (was $179); amazon.com.  


If you want to include some actual color without throwing off the neutral feel, go with a set of throw cushions. These throw pillow covers let you dress up the ones you already have with a cool exterior in this camel color. The set of two has a near invisible zipper on the side to slip over your pillow, and it comes in seven colors and sizes. 


Amazon



To buy: $26; amazon.com.


There are tons of other options hiding on Amazon, but this list exposes them all. Scroll through these popular picks below before browsing the Amazon Neutral Luxe section for yourself. 


Amazon



To buy: $31 with coupon (was $47); amazon.com.


Amazon



To buy: $27 (was $36); amazon.com.


Amazon



To buy: $1,271 (was $1,760); amazon.com.


Amazon



To buy: $200 (was $282); amazon.com.


Amazon



To buy: $30; amazon.com.


Amazon



To buy: $49; amazon.com.


Amazon



To buy: $48 (was $50); amazon.com.


Amazon



To buy: $161 (was $420); amazon.com.


Amazon



To buy: $204 (was $409); amazon.com.


Amazon



To buy: $220; amazon.com.

Source: realsimple.com

Apache is functioning normally

Welcome to the vibrant city of Washington, DC, where history, culture, and excitement converge in every neighborhood. You may already be familiar with the iconic landmarks and bustling districts that define this captivating city. However, beyond the well-known attractions, lies a treasure trove of hidden gems waiting to be discovered. 

In this article, we will take you on a journey to uncover the lesser-known pockets of charm and character that make “The District” a truly remarkable place to call home. We reached out to locals to share their favorite hidden gems in Washington, DC, from enchanting parks to unique dining experiences and thriving local communities. So, whether you are considering renting an apartment in DC, or are looking on Redfin and currently in the market to buy a house in the city, prepare to be captivated by the secrets this remarkable city has to offer.

1. Big Bear Cafe

“Our favorite hidden DC gem is Big Bear Cafe in Bloomingdale, explains Meredith Sheperd, founder of Love & Carrots, an urban farming and edible landscaping company. “The best thing on their menu is the wood fired pizzas, which taste even better eaten outside on their gorgeous garden patio that we’ve planted and maintained for over a decade. The vine-enclosed patio is surrounded by edible landscaping and gives the entire space a cozy secret garden feeling, making it especially great for hosting events. Big Bear has something for everyone to enjoy at almost any time of day, whether it’s a natural wine at an open mic night, or an early morning local cheddar biscuit and espresso with the neighborhood birdlife.”

2. Chaia Tacos

“Chaia Tacos is a farm-to-taco restaurant with seasonal local produce with one of the only gluten-free meal menus in the city,” explains Take Care Shop, offering natural skincare, beauty, wellness and spa services. “Their menu rotates based on what’s fresh and my current favorite is the collard and shishito pepper quesadilla. I love that it’s on the canal and right by the waterfront, making it so easy to grab your bites and go for a stroll.”

3. Al Tiramisu and Bistrot Lepic

“For Italian food, our go-to place is Al Tiramisu located just off Dupont Circle and close to our shop in Georgetown,” shares Louis Everard and Jennifer Nygard Owners of Everard’s Clothing, and upscale boutique in DC. “This hidden gem in DC is intimate, authentic, and perfect for date night or just a weeknight outing – think homemade pastas and fresh seafood. Favorite dish must include lobster of course, either the lobster linguine or lobster risotto.”

“For French food, we stay on our block, mere steps from our shop and head to Bistrot Lepic,” explains the Nygards. “Classic bistro food with some surprises including a fantastic curry chicken and a wild boar steak special. Also featuring live jazz music on certain weeknights in their upstairs lounge.”

4. Boulangerie Christophe

“Boulangerie Christophe is the absolute best French bakery,” states Natasha Sewell, owner of NPS Photography. The pastries and baked goods are delicious and the courtyard in the back is magical! You feel like you’ve been transported out of the city. It’s also dog friendly which is a major plus.”

5. Shops in Georgetown

Sewell also suggests a couple local shops to check out. “Storie Collective is the perfect shop to find a hostess gift or something unique for your home or kitchen. Sara Swabb, the owner, has such a keen eye and I never leave without buying something. In addition, Take Care DC is the best place for your skin care needs and especially a facial. Becky the owner is so knowledgeable about every product they carry. And Erin is my go to for the most incredible facial in town.”

6. Little Acre Flowers

“Another worthwhile stop is just around the corner from Cafe Cino at what will be the “Little Others” pop up collaboration between Little Acre Flowers and Others Coffee,” says Co-founder and Co-owner of Others Coffee, Brian Raupp. “Beginning the weekend of June 10th, Little Acre and Others will be transforming a beautiful space located at 1722 Florida Ave, NW, into a grab-and-go cafe/flower shop every Saturday and Sunday throughout the summer.” 

7. As You Are bar 

Personal Trainer Bianca Russo of Bianca Russo Fitness suggests As You Are bar. “This bar is an LGBTQIA+-owned establishment and is a space with resources centered around community care. The bartenders are sober-informed, so even the non-drinking patrons feel welcome to socialize over the chicken tenders and fries without judgment.” 

8. Cafe Cino

“A must-visit hidden gem if you’re in the Adams Morgan area is Cafe Cino,” states Raupp. “Named after their eldest son, Cino, the cafe is a pop-up inside of a beautiful plant shop called PLNTR. Ron and Carolina, owners of Cafe Cino, have a great selection of coffees from around the world (including our coffee) and take tremendous pride in the preparation and presentation of everything they brew.”

9. Filene Center

“Washington DC’s best kept hidden gem is the Filene Center at Wolf Trap Center for Performing Arts,” states Sara Polon, CEO & Co-Founder Soupergirl, offering Vegan, plant-based, kosher, and gluten-free soups. “This beautiful outdoor venue located just outside the city is actually a National Park! Some of the world’s best artists play every summer at this intimate, peaceful, outdoor oasis. Sting, Ziggy Marley, Elvis Costello, and Trombone Shorty are just a few of the acts that routinely perform on this legendary stage. Bonus! Visitors are allowed (and even encouraged!) to bring in their own food and wine. Rose under the stars.”

10. Bitty & Beau’s Coffee Shop

“Bitty & Beau’s Coffee Shop is a conveniently-located coffee shop that will not only fill your stomach with impeccably crafted coffee, but inspire you with their mission to employ people with intellectual and developmental disabilities,” explains Kristina Han Founder of Own Your Wonder. “It’s not about charity. It’s about delicious food, drinks and service, all the while doing good for humanity. I love their tagline: ‘a human rights movement disguised as a coffee shop.’”

11. The Blind Whino 

“The Blind Whino is a cultural house and historical landmark, shares Morgan Murray, blogger at Less or Morgan. “The building once stood as a church when it was built in 1886, but now stands as a center for art in the local community. Discover new artists, attend events, concerts, or enjoy the eclectic and colorful exterior of the building.”

12. Baked & Wired 

Murray also recommends Baked and Wired, a local favorite bakery and coffee shop in Georgetown. “The cupcakes are my go-to sweet treat to enjoy. While you are there, try the Oreo cupcake.”

13. Billy Goat trail

“A must-visit place near Washington, DC, and one of my favorite hidden gems is the Billy Goat trail in Great Falls, explains Dalia Hidayat of Craving for Chocolate, a boutique chocolate atelier. “Whenever I need to unplug and get a few hours of peace, I walk the trail and take in the scenic waterfalls. On the way back there is a restaurant called Old Anglers Inn that I stop by and grab lunch. The restaurant is off the beaten path but on the road back from the park and has a lush and beautiful outdoor garden patio where I can grab an ahi tuna salad with a side of french fries. This is my go to escape for peace and tranquility.”

District of Clothing, a lifestyle brand encouraging progression, inspiring action, and supporting self-love also suggests checking out Billy Goat Trail. “There are so many great things to do in the DMV area during the summer time, but our top choices would be hiking the strenuous Billy Goat Trail (section A)–it’s a nearly 5 mile hiking trail that follows a path between the C&O Canal and the Potomac River. Second suggestion would be to have a salad, fries and rose at Summer House Santa Monica in North Bethesda.”

14. M.O.B Vintage

“M.O.B Vintage, located outside of DC on Kensington Antique Row, is a charming stretch of vintage and antique shops,” explains Hadiya Williams, founder of Black Pepper Paperie CO., a DC-based art and design studio. “As a lover of all things old, from homes to objects and clothes, visiting this area is always a delight. Owner Mike O’Bryant has expanded from one shop to four, with a dedicated area for Mid-Century Modern furniture and decor, which is a personal favorite of mine. My partner, who went to school with Mike in historic Shepherd Park, introduced me to this gem, and now it’s become our annual Christmas tradition.”

15. Blagden Alley in NW

“Blagden Alley in NW is my favorite hidden gem in DC,” shares Opare Densua, Founder and CEO of Elevated Tea Co. “This historic community was once home to 60+ African American families seeking refuge after the Emancipation Proclamation. The alley was also home to the second elected Black U.S. Senator Blanche K. Bruce. Now a vibrant commercial district, it boasts unique alley dwellings, chic restaurants, a coffee shop, and dynamic art murals. Causa/Amazonia, a two-part Peruvian restaurant with a rooftop and exceptional cocktails (try the Ocapa), is my personal favorite.”

16. Hana Market

Han also recommends Hana Market. “This unexpected and old-school Japanese supermarket looks like any old corner store from the outside. Once you’re inside, you’re treated to a wide array of all things Japanese and you’ll feel like you’re in the middle of Tokyo. Just to walk down each crowded aisle browsing a million noodles and spices is a fun way to take a break from the hustle and bustle of the outside.” 

17. Purple Patch

“When I want to spend a night out, Purple Patch is my special spot that gives me so much joy and love,” shares Rose Nguyen, owner of Rose Ave Bakery, an Asian-American bakery offering pastries that are fun, inventive and damn delicious. “Chef Patrice exudes hospitality in everything she does, especially the food and service. The food is spectacular and represents Filipino culture so well.”

18. National Cathedral and grounds

“A favorite hidden gem of mine is the Washington National Cathedral and grounds,” says Joel Finkelstein, owner and roaster for Qualia Coffee located in the Petworth and Eckington neighborhoods of DC. “The building itself offers both a wealth of architectural details, not the least of which is a myriad of gargoyles carved into the stone work over the 100 years it took to complete, as well as an observation deck located at one of the highest points in DC. In the Bishops’ Garden, the grounds also feature one of the best picnicking and relaxation spots to enjoy a sunny day.”  

19. Sospeso

“Sospeso is our go-to neighborhood restaurant for Mediterranean food on H Street NE,” says Seda & Suzy of Shopkeepers, a shop and cafe in DC. “For dinner, we always get the Mezze Platter with a bottle of wine. For brunch, their Turkish breakfast is great because of the balance of flavors and textures. The decor is cozy and the staff is friendly. Perfect spot to catch up with friends, especially on Mondays when a lot of restaurants are closed.”

20. The Peacock Room

“The Peacock Room at the Freer Gallery is a stunning sea of blue and green designed by James McNeill Whistler to showcase a Chinese blue-and-white porcelain collection,” explains Amy Rutherford, President of home furnishings and gift store, Red Barn Mercantile, and stationery store, Penny Post. “Marvel at its beauty and the feats of engineering it took to bring the room from London to Detroit to Washington, DC. Definitely worth the trip.”

Rutherford goes on to share, “Old Town Alexandria is an absolute gem. A trip to DC would not be complete without a stop in our little hamlet.  History, shopping, dining, and nature combine for a lovely day trip across the river.”

Washington, DC, is a city that never ceases to amaze, offering a countless number of experiences from serene greenspaces to unique neighborhoods with local charm. Embracing these hidden gems in DC is the key to immersing yourself in the city’s delights and finding out why DC is a good place to live.  Prepare to be captivated and forever connected to this remarkable city.

Source: redfin.com

Apache is functioning normally

Welcome to the radiant shores of Sarasota, Florida, where coastal wonders and sun-soaked adventures await. From captivating parks that showcase the area’s diverse ecosystems to pristine beaches that beckon with their soft sands and azure waters, Sarasota offers an idyllic retreat for nature lovers and beach enthusiasts alike. 

Whether you’re browsing on Redfin for a new house for sale in Sarasota, or visiting the area as a tourist, be sure to take notes on your favorite places as we unveil the enchanting parks and pristine beaches that make life in Sarasota so wonderful. If you’re seeking adventure, tranquility, or a vibrant coastal atmosphere, Sarasota’s coastal gems promise unforgettable experiences and a true taste of Florida’s coastal splendor. Let’s get started.

Popular parks in Sarasota

Myakka River State Park

Step into the untamed beauty of Florida’s wilderness at Myakka River State Park. Spanning over 37,000 acres, this sprawling park offers a captivating blend of wetlands, prairies, and woodlands. Its crown jewel is the majestic Myakka River, where adventurers can embark on scenic boat tours or kayak through the serene waters, observing alligators, turtles, and a variety of bird species. 

Adventurers can explore the park’s extensive network of hiking trails, leading to hidden lakes, towering palm hammocks, and take vistas. For a touch of excitement, hop aboard an airboat and glide across the shallow marshes, feeling the rush of wind and the thrill of spotting wildlife up close. With its diverse ecosystems and opportunities for outdoor recreation, Myakka River State Park is a nature lover’s paradise.

Marie Selby Botanical Gardens

Immerse yourself in a horticultural wonderland at Marie Selby Botanical Gardens. Nestled on the shores of Sarasota Bay, this enchanting garden is renowned for its stunning collection of orchids and epiphytes. Stroll through a series of themed gardens, each boasting its own unique ambiance and plant displays. The Tropical Conservatory is a lush oasis where vibrant blooms and cascading vines transport visitors to a rainforest paradise. The Children’s Rainforest Garden invites explorers to discover the wonders of nature through interactive exhibits and imaginative play areas. 

Bayfront Park

Situated in the heart of downtown Sarasota, Bayfront Park beckons with its idyllic setting and picturesque views of the bay. As you wander along the waterfront promenade, gentle ocean breezes carry the scent of saltwater, and the sight of sailboats gliding across the horizon captivates the imagination. Relax on shaded benches or spread out a picnic blanket and savor the tranquil ambiance. The park’s marina offers docking facilities for boaters, and fishing enthusiasts can cast their lines from the pier in search of a prized catch. 

The Bayfront has a playground, and cyclists can enjoy a leisurely bike ride or a refreshing jog along the scenic paths. As the sun sets, the park transforms into a captivating gathering place, where locals and visitors alike come together to witness the breathtaking spectacle of vibrant colors painting the sky.

Nathan Benderson Park

Discover a world of water sports and natural beauty at Nathan Benderson Park. Set around a sprawling 400-acre lake, this vibrant park is a hub for rowing, kayaking, and stand-up paddleboarding. Watch as athletes glide across the water, their oars slicing through the mirrored surface with precision and grace. Adventure awaits on the park’s extensive network of walking and biking trails, leading through lush wetlands and serene wooded areas. 

Whether you choose to participate in water sports, explore the tranquil trails, or simply bask in the natural splendor, Nathan Benderson Park offers an invigorating escape into the great outdoors.

Oscar Scherer State Park 

Tucked away between Sarasota and Venice, Oscar Scherer State Park is a hidden gem waiting to be explored. Nature enthusiasts will revel in the park’s diverse ecosystems, from the shimmering depths of Lake Osprey to the shady canopies of the scrubby flatwoods. Hike along the scenic trails that wind through pine forests, spotting rare and elusive Florida scrub-jays, gopher tortoises, and an array of bird species along the way. Cast a line into the calm waters of Lake Osprey, where largemouth bass and bluegill await eager anglers. 

For an immersive experience, pitch a tent at the park’s camping facilities and fall asleep to the serenade of nocturnal creatures. With its unspoiled landscapes and opportunities for outdoor recreation, Oscar Scherer State Park offers a tranquil retreat from the bustling city, inviting visitors to connect with nature in its purest form.

Most visited Sarasota beaches

Siesta Key Beach

Prepare to be dazzled by the radiant beauty of Siesta Key Beach, where the sand is as soft and white as powdered sugar. This world-renowned beach consistently ranks among the top in the United States, and for good reason. Sink your toes into the velvety sand as you bask in the warm sunshine, or take a refreshing dip in the crystal-clear waters of the Gulf of Mexico. 

Siesta Key Beach offers excellent amenities, including picnic areas equipped with grills for a beachside barbecue, volleyball courts for friendly competitions, and concession stands serving up delicious snacks and drinks. As the day draws to a close, find a cozy spot on the shore to witness the mesmerizing spectacle of the sun melting into the horizon, painting the sky with hues of pink and gold. 

Lido Beach

Tucked away on the enchanting barrier island of Lido Key, Lido Beach offers a tranquil escape just minutes away from downtown Sarasota. This pristine stretch of coastline beckons with its soft sands and gentle waves. Take a leisurely stroll along the shore, collecting seashells and enjoying the warm ocean breeze, or find respite under the shade of an umbrella, allowing the rhythmic lullaby of crashing waves to wash away your cares. 

Lido Beach has a public swimming pool where you can splash and play to your heart’s content. After a day of sun-soaked bliss, head to nearby St. Armands Circle, a vibrant shopping and dining district brimming with boutiques, galleries, and restaurants. Lido Beach is the perfect destination for those seeking a peaceful coastal retreat with a touch of sophistication.

Longboat Key Beach

Longboat Key Beach is a pristine haven on the barrier island of the same name. This uncrowded beach offers a tranquil atmosphere, inviting tourists to unwind and reconnect with nature. Try out some recreational water sports like surfing or stroll along the shoreline, breathing in the salty ocean air and savoring the panoramic views of the Gulf of Mexico. 

Longboat Key Beach is a paradise for nature lovers, with an abundance of wildlife and lush coastal vegetation. Keep an eye out for playful dolphins dancing in the waves or shorebirds elegantly gliding through the sky. 

Turtle Beach 

Venture to the southern end of Siesta Key, where Turtle Beach awaits with its unassuming charm and natural allure. This tranquil stretch of shoreline offers a more laid-back atmosphere compared to its bustling northern counterpart. As you stroll along the beach, keep your eyes peeled for turtle nests, as the beach gets its name from the loggerhead sea turtles that frequently nest here during the nesting season. 

Turtle Beach boasts a more natural landscape, with sand dunes and native vegetation providing a picturesque backdrop for beachcombing and sunbathing. Anglers will appreciate the beach’s boat launch and fishing opportunities, where they can try their luck at reeling in a catch. 

Venice Beach

While not located within Sarasota city limits, Venice Beach is well worth a visit for its unique charm and natural treasures. Known as the “Shark Tooth Capital of the World,” this beach offers a thrilling adventure for fossil enthusiasts. Take a walk along the shoreline, scanning the sand for fossilized shark teeth, treasures from the ocean’s ancient past. The beach has a fishing pier, where anglers can cast their lines or simply enjoy the panoramic views of the Gulf. 

Barbecue shelters dot the area, providing shaded spots for enjoying a beachside meal. Nearby, the Venetian Waterway Park beckons with its paved trails, ideal for biking, walking, or rollerblading alongside picturesque canals and scenic landscapes. 

Source: redfin.com