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Apache is functioning normally

Singapore Airlines’ first-class product has a well-deserved reputation as one of the best luxury experiences in the sky. Many in the points and miles world save up to book this bucket list experience, complete with Dom Perignon (and Krug) Champagne, caviar and some of the best inflight service out there.

Before we dive into how you can book your next first-class adventure on Singapore Airlines, let’s look at what you can expect from the different aircraft types operated by the carrier.

The first-class cabins

ERIC ROSEN/THE POINTS GUY

Currently, Singapore operates aircraft with two different first-class layouts — the Boeing 777-300 and the Airbus A380. On its 777-300s, the first-class cabin is arranged in a 1-2-1 layout at the front. Each seat has plenty of room and turns into a lie-flat bed. The seats are similar to the business-class seats on this aircraft in layout, though they have more personal space and the first-class service sets them apart.

You’ll find Singapore Airlines’ famous Suites class on the Airbus A380s. The Suites are located at the front of the upper deck, and each one has a bed separate from the seat, providing an incredible amount of personal space you will not find on most commercial aircraft.

Two Suites can be combined into a double bed, making it ideal for couples. This is about as good as first class gets.

ZACH GRIFF/THE POINTS GUY

The A380 Suites are significantly better than the 777 first-class seats, so it’s worth going out of your way to book the A380 if possible.

Regardless of aircraft, you can count on some great Champagne, a great meal — don’t forget to “Book the Cook” — and plenty of hot towels to help you stay refreshed. If you are departing from Singapore, you will also have access to Singapore Airlines’ exclusive and recently renovated Private Room lounge.

If you see a route operated by one of Singapore’s new Airbus A350s or 787s, keep in mind that it doesn’t have a first-class cabin on this aircraft, but it does have a fantastic business class.

Related: 8 reasons I’m excited about Singapore Airlines’ A380 Suites flying to the US

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How to book Singapore Airlines first class with miles

ZACH GRIFF/THE POINTS GUY

Unlike most airlines, Singapore Airlines will only let you book its first-class (and business-class) award tickets on long-haul routes through its own KrisFlyer program. So while United Airlines and Air Canada are both Star Alliance partners of Singapore Airlines, you won’t be able to use MileagePlus or Aeroplan miles to book these premium-cabin awards.

Suites-class options

Singapore Airlines is not operating A380 services to or from any destinations in the United States after switching the service from John F. Kennedy International Airport (JFK) to Frankfurt Airport (FRA) to a 777 service in May.

Schedules and aircraft type are subject to change, but at the time of publication, over the northern summer period, Singapore will operate the A380 to the following destinations:

Destination from Singapore Changi Airport (SIN) KrisFlyer miles required for Suites class (each way, per person at Saver level) KrisFlyer miles required for Suites class (each way, per person at Advantage level)
New Delhi’s Indira Gandhi International Airport (DEL). 58,500 miles. 98,000 miles.
Hong Kong International Airport (HKG). 45,000 miles. 73,000 miles.
London’s Heathrow Airport (LHR). 141,000 miles. 225,500 miles.
Melbourne Airport (MEL). 93,500 miles. 155,000 miles.
Mumbai’s Chhatrapati Shivaji Maharaj International Airport (BOM). 58,500 miles. 98,000 miles.
Shanghai Pudong International Airport (PVG). 58,500 miles. 98,000 miles.
Sydney Airport (SYD). 93,500 miles. 155,000 miles.

First-class options

While the 777 first-class product isn’t quite as impressive as the A380 product, the good news is that Singapore Airlines flies the 777 product to several U.S. destinations. At the time of publication, over the northern summer period, Singapore will operate the 777 with first class to the following destinations:

Destination from Singapore Changi Airport (SIN) KrisFlyer miles required for first class (each way, per person at Saver level) KrisFlyer miles required for first class (each way, per person at Advantage level)
Auckland Airport (AKL). 93,500 miles. 155,000 miles.
New Delhi’s Indira Gandhi International Airport (DEL). 58,500 miles. 98,000 miles.
Frankfurt Airport (FRA). 141,000 miles. 225,500 miles.
Hong Kong International Airport (HKG). 45,000 miles. 73,000 miles.
Jakarta’s Soekarno-Hatta International Airport (CGK). 30,500 miles. 52,500 miles.
London’s Heathrow Airport (LHR). 141,000 miles. 225,500 miles.
Los Angeles International Airport (LAX) via Tokyo. 146,500 miles. 228,000 miles.
Melbourne Airport (MEL). 93,500 miles. 155,000 miles.
Mumbai’s Chhatrapati Shivaji Maharaj International Airport (BOM). 58,500 miles. 98,000 miles.
New York’s John F. Kennedy International Airport (JFK) via Frankfurt. 148,500 miles. 243,000 miles.
Paris-Charles de Gaulle Airport (CDG). 141,000 miles. 225,500 miles.
Sydney Airport (SYD). 93,500 miles. 155,000 miles.
Tokyo’s Narita International Airport (NRT) and Haneda Airport (HND). 77,000 miles. 120,000 miles.
Zurich Airport (ZRH). 141,000 miles. 225,500 miles.

You can also try Singapore Airlines first class on the airline’s fifth-freedom routes. Here is the one-way pricing for Saver and Advantage awards:

  • Between New York and Frankfurt: 97,000 (Saver)/143,500 (Advantage) miles.
  • Between Los Angeles and Tokyo: 120,000 (Saver)/187,000 (Advantage) miles.

Related: Fifth-freedom routes: Flying top international airlines without setting foot in their home countries

KrisFlyer does not impose fuel surcharges on flights on its own metal, so fees, taxes and surcharges on first-class and Suites flights are reasonable.

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SINGAPOREAIR.COM

Saver availability is strictly limited, but you can pay more miles for an Advantage ticket. You might also consider waitlisting for a Saver award.

And if you only want to get a taste of Singapore Airlines first class on a short flight, you can book flights between Singapore and Jakarta for 40,000 Avianca LifeMiles on some dates.

LIFEMILES.COM

Off the beaten points first reported you can use LifeMiles to book this route. But despite searching, we haven’t seen the ability to redeem LifeMiles for other Singapore Airlines first-class or suites-class routes.

How to earn Singapore KrisFlyer miles

ERIC ROSEN/THE POINTS GUY

While Singapore Airlines doesn’t offer a cobranded credit card in the U.S., the airline partners with several major rewards programs with transferable currencies, including:

Earning rewards with one or more of these programs and transferring them to Singapore Airlines is one of the easiest ways to earn KrisFlyer miles. The following cards all currently offer strong welcome bonuses that you could easily convert to KrisFlyer miles:

  • American Express® Gold Card: Earn 60,000 Membership Rewards points after you spend $4,000 on purchases in the first six months of card membership. Terms apply.
  • The Platinum Card® from American Express: Earn 80,000 Membership Rewards points after you spend $6,000 on purchases within the first six months of card membership. Check to see if you’re targeted for a 125,000-point welcome offer through CardMatch (offer subject to change at any time). Terms apply.
  • The Business Platinum Card® from American Express: Earn 120,000 bonus points after spending $15,000 on eligible purchases on the card in the first three months of card membership.
  • Capital One Venture Rewards Credit Card: Earn 75,000 bonus miles once you spend $4,000 on purchases within the first three months from account opening.
  • Capital One Venture X Rewards Credit Card: Earn 75,000 bonus miles once you spend $4,000 on purchases within the first three months from account opening.
  • Chase Sapphire Preferred Card: Earn 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening.
  • Citi Premier® Card: (see rates and fees) Earn 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening.
  • Ink Business Preferred Credit Card: Earn 100,000 bonus points after you spend $15,000 on purchases in the first three months from account opening.

In the case of transferable currencies that don’t instantly transfer to KrisFlyer, you’ll want to call and put a hold on your award ticket before initiating a transfer. That way, you won’t find yourself with stranded Singapore KrisFlyer miles because of a lack of award space.

Bottom line

At first glance, it might seem like only being able to book Singapore first-class awards with the KrisFlyer program would be a problem. However, when you consider that Amex Membership Rewards, Capital One, Chase Ultimate Rewards, Citi ThankYou Rewards and Marriott Bonvoy points can all be transferred to your Singapore KrisFlyer account, it seems a lot more doable.

As with many premium-cabin awards, you’ll want to start looking for award space as soon as you know your travel dates. First-class award space on Singapore Airlines is not always easy to find, so starting your search as early as 355 days before your desired departure date is advisable. Also, consider waitlisting or searching at the last minute.

With a little planning, you’ll be able to earn the required miles and find the necessary award space to try one of the best first-class products in the world.

Additional reporting by Spencer Howard.

Source: thepointsguy.com

Apache is functioning normally

Images of devastation emerged after the Japanese earthquake and tsunami. We watched water sweep away vehicles and houses; we saw stunned men and weeping women in the ruins. But we also heard about survivors whose homes weren’t flattened or inundated, people who subsisted on stockpiled food and water while waiting for help. Living on the “Ring of Fire” means temblors and tidal waves are a fact of life — and so is disaster preparedness.

We need to be prepared, too. The Department of Homeland Security’s Ready America program says we should be able to sustain ourselves for at least three days after an emergency, whether that’s a hundred-year storm or a civil insurrection.
How ready are you?

Right now, before anything bad happens, is the time to build your emergency kit — and you can do it on a budget. In fact, you probably already have some (or a lot) of what you need.

The (Sometimes Icky) Basics

During those three days you need to be fed, hydrated and sheltered. You also need a place to poop.

Yeah, that’s gross. You know what else is gross? The idea of everyone in your apartment building or subdivision yelling “Gardyloo!” and flinging slops out the window. Cholera epidemic, anyone?

When I was a kid, predictions of bad weather had us filling bathtub and buckets. That’s because if we lost power we lost our well pump, i.e., no way to flush the toilets. That’s still the first line of short-term defense; if you have any warning, stash yourself some water.

When that’s gone you’ll need at least one large container into which everyone can evacuate. Maybe a repurposed five-gallon detergent, paint or pet-litter bucket? If you don’t have one:

It’s possible to buy a toilet seat that snaps onto a bucket, which makes things easier. Or buy a prefab one (search online for “bucket toilet”) for $20 or less.
Decide now where you’ll put your temporary toilet. The garage? The back porch? Maybe even in the actual bathroom? Anywhere but the place where you plan to eat and sleep. Trust me on this.

Ready for an overshare? Here’s how I’d handle disposal if the you-know-what hits the fan here in Seattle:

  • Use the bucket (in a former life, it held detergent)
  • Put soiled paper into a garbage bag (and tie it really tightly between uses)
  • Flush the contents of each, little by little, once the emergency has abated

Please do not do your business in the condo-complex yard, no matter how much fun it is to pee outdoors.

Important: You’ll want a bottle of hand sanitizer close to the bucket. Really close. E. coli is nothing to fool with.

Food and Drink

Ready America recommends one gallon of water per person per day. It’s easy to buy bottled water but much cheaper to fill up two-liter soda bottles, or inexpensive pitchers or jugs. (Don’t drink soda? Surely someone you know does.)

Refill the containers every few months; mark it on the calendar so you don’t forget. Don’t just dump the old water, though. Use it in some way, such as:

  • Watering houseplants or your garden
  • Bathing (add hot water unless you like your tub-time tepid)
  • Cooking
  • Filling pet dishes
  • Doing hand laundry
  • Washing vegetables or fruit

When it comes to emergency rations, you can go as stripped-down or as fancy as you like. But it must be something you’d eat anyway, because you’ll need to rotate and replace your stock. If an earthquake happens six years from now, do you want to be eating 2011 ramen?

Some obvious choices:

  • Canned beans, stews, soups, fruits, vegetables, meats and/or fish
  • Protein bars, granola bars, dried fruit
  • Powdered milk and cereal
  • Peanut butter or other nut butters
  • Crackers or pilot bread; I recommend the latter, because it lasts for-freakin’-ever

Note: For more on pilot bread, see this funny video from The Anchorage Daily News.

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Then watch a second, even funnier video from the same source.

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If you’ll have a way to heat water, consider a few instant soups or other dehydrated foods such as hummus or bean dip. Flavored noodle cups/bowls do go on sale; check Asian markets for the best selection. Hot drinks are both warming and soothing, so stock up on bouillon cubes, teabags, instant coffee and hot chocolate mix.

Survival Shopping at Bargain Prices

The camping section of your local sporting-goods stores has quite a selection of dehydrated meals. So do online stores that sell survival/disaster preparedness supplies. But I’m focusing on inexpensive ways to prepare.

So watch for sales and use coupons and/or rebates when possible. A few of my better supermarket deals: envelopes of pre-drained tuna for free, granola bars for a penny each, cocoa mix for 5 cents per serving, a large bag of M&Ms for 50 cents, 12 ounces of peanuts for 69 cents.

Olives, marinated veggies, sun-dried tomatoes and other fancy foodstuffs from the dollar store will liven up your basic grub. After two days of PBJs and canned beans, a few pickled vegetable will taste like manna.

The dollar store has cheap bandages and rubbing alcohol, too. So do places like CVS, Walgreens and Rite Aid; I’ve obtained baby wipes (aka “shower in a pouch”), hand sanitizer, analgesics, energy bars, crackers and batteries free or nearly free thanks to rebate programs at those stores.

About those batteries: Aim for at least one flashlight per room. Hand-cranked flashlights (and radios) don’t need batteries. If you can’t afford one right now, put it on your wish list; maybe Great-Aunt Irene will give you that instead of a cheese log next Christmas.

If you must use candles, select votive-type ones and set them inside wide-mouthed jars, placed in areas where no one can accidentally knock them down. Buy the votives for pennies at post-holiday clearance sales. Those sales are also good for cheap paper plates and bowls — not eco-friendly but really useful if you can’t do dishes for days.

Layering is essential in cool or cold temperatures. Watch for thermal underwear, wool pants and other useful items on Craigslist/Freecycle or at yard sales. I bought polypropylene longhandles and a down vest at a thrift store. Make sure everyone has a stocking cap, too.

Look around your house to see how much of this stuff you already own. Most of us at least have sweaters or sweatshirts. If you’re not in a super-cold area, a comforter might double as a sleeping bag. A hibachi could substitute for a bottled-gas camp stove — but remember you can use these things outdoors only, because carbon monoxide is deadly.

Miscellaneous Tips

You can’t truly be ready for a disaster. It’s always stressful and often terrifying. However, you can at least be prepared. Here are a few more items to keep in mind:

  • Learn the location of your local/regional emergency shelter, just in case.
  • Keep a cache of cash — smalls bills and coins — on hand. No power means no debit or credit if you do find a store that’s open.
  • Put supplies where you can get at them easily, not down in the crawlspace or up in the rafters.
  • Wheeled garbage cans make great storage: Your items will be protected and movable. Label each one so you can find what you need, fast.
  • Water left over after making tea? Don’t let it get cold again — pour it into a thermos.
  • You’ll want basic first-aid supplies, including an anti-diarrheal medication. Many of these items can also be bought cheaply or free with those drugstore rebates.
  • On maintenance meds? Get in the habit of refilling as soon as you’re allowed, i.e., don’t wait until you take your last pill to call it in.
  • Choose no-salt canned vegetables. Not only are they healthier, you can use the drained-off liquid to dilute canned soup. Save the syrup from canned fruits, too, to sip for quick energy, settle an upset stomach or sweeten a cup of tea.
  • Don’t forget pet food and litter. Factor in extra water for Fido and Fluffy, too.
  • Have some playing cards or small games that everyone can play. I suggest Mad Libs.
  • Make sure you have a manual can opener. You’ll feel darned stupid asking to borrow a neighbor’s.

How about it, readers: Any ideas for getting ready without breaking the bank?

Source: getrichslowly.org

Apache is functioning normally

The all-inclusive resort space can be a little confusing, as the brands aren’t always as well known as, say, a Hyatt Regency or Park Hyatt.

We’re here to change that with this collection of our favorite Hyatt all-inclusive resorts.

The company’s all-inclusive resort footprint grew exponentially in recent years thanks to a $2.7 billion acquisition of Apple Leisure Group, the owner of brands like Secrets and Dreams. However, Hyatt also has all-inclusive resort options from before this takeover, with offerings like the Alila Ventana Big Sur, the Ziva and Zilara brands and even Park Hyatt’s posh outpost in the Maldives.

Ready to pack your bags? We sure are.

Alila Ventana Big Sur

Big Sur, California, USA

ALILA VENTANA BIG SUR/FACEBOOK

Best for: Romantic weekends away or disconnecting in nature while surrounded by world-class amenities.

Why stay here: Alila Ventana Big Sur is arguably one of the best Hyatt properties in North America, perhaps even the world, thanks to its one-of-a-kind location in California’s coastal redwood groves and the value you can get from your Hyatt points.

Best way to book: Book through our partner Skylark for elitelike perks and on-property credits, or book using World of Hyatt points for one of the best redemptions in the program. It’s also available through American Express’ Fine Hotels + Resorts and Chase’s Luxury Hotel & Resort Collection, where you can get valuable perks like credits to use on the property, room upgrades and late checkout, depending on the program.

Consider Alila Ventana Big Sur the grande dame of Hyatt resorts (and points redemptions) in the U.S.

Perched off the Pacific Coast Highway about a half-hour south of San Francisco, the West Coast resort is the pinnacle of all-inclusive luxury travel with a dose of seclusion. Alila Ventana Big Sur only features 59 guest rooms and suites, as well as 15 tented cabins spread out across 150 acres.

Travelers may not typically associate Hyatt’s Alila brand with “all-inclusive” like you would with Zilara or Secrets. However, the California resort includes all meals and snacks with a nightly room rate. Alcoholic beverages are sold separately.

The vibe is glitzy glamping, with a lot of wood paneling and working fireplaces in guest rooms and suites. Leather chairs and earth tones complement the California redwood forest outside.

Head to The Sur House, Alila Ventana Big Sur’s main restaurant, for breakfast and dinner with a Pacific Ocean view and locally sourced ingredients. Lunch can be delivered poolside to your chaise lounge. Spa Alila is a must-splurge, with alfresco treatments offered from outdoor cabanas — clarify and cleanse with an 80-minute facial or unwind in a copper soaking tub with an impeccable view of the redwoods beyond. The great outdoors were never so decadent.

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Rates start at $1,969 or 35,000 World of Hyatt points per night.

Miraval Berkshires

Lenox, Massachusetts, USA

MIRAVAL BERKSHIRES/MIRAVAL

Best for: Couples who simply need to unwind.

Why stay here: This luxury wellness retreat is the place to trade the fast pace of the modern world for a tranquil retreat … and use Hyatt points to do it.

Best way to book: Book through our partner Skylark for elitelike perks and on-property credits or book directly with Hyatt to earn or redeem points. Go through Amex Fine Hotels + Resorts for extra perks like guaranteed late checkout and a $100 property credit.

This luxe wellness retreat exudes a contemporary atmosphere in Massachusetts’ otherwise rustic, woodsy Berkshires region. Miraval Berkshires is a magnet for city dwellers (it’s driveable from New York City and Boston) looking for a little R&R — but perhaps without all the dietary (and drinking) limitations of other wellness retreats in the area. Keep in mind: While alcohol is served at Miraval, it is not included in your nightly rate like all other food and drinks.

Sleek, clean and bright designs dominate throughout the resort, including the modern Carriage House suites and Cottages. However, the 10 recently renovated rooms and suites found in the Wyndhurst Mansion are a worthy splurge. Named for legendary artists and prominent families of the Gilded Age, suites include the Vanderbilt Suite (the largest, as you might expect) and the cozier Wharton and Hawthorne rooms — all include modern fixtures and furnishings and upgraded bathrooms. Larger rooms and suites include decorative fireplaces, which are great for unwinding and reflecting following a day of treatments.

Speaking of treatments, the Life in Balance Spa at Miraval Berkshires is a major draw and, at 29,000 square feet, a focal point of the entire resort. We’re fans of the 80-minute Manuka Honey Quench body treatment to give the skin some ultraluxurious moisturization and glow.

TPG loved the food and beverage offerings at Miraval when we checked in. 1894 Restaurant, named for the year Wyndhurst Mansion wrapped construction, is the resort’s fine dining option serving a four-course tasting menu that features scrumptious offerings like Maine lobster risotto and Hudson Valley duck.

Rates start at $804 or 40,000 World of Hyatt points per night.

Hyatt Ziva Los Cabos

San Jose del Cabo, Baja California Sur, Mexico

HYATT ZIVA LOS CABOS/FACEBOOK

Best for: Families wanting an upscale and memorable experience where everything is taken care of for you.

Why stay here: Hyatt’s Ziva brand is one of the best all-inclusive experiences money (or points) can buy.

Best way to book: Book directly with Hyatt to earn or redeem World of Hyatt points.

Fun in the sun is easy to access at Hyatt Ziva Los Cabos, on the outskirts of San Jose del Cabo but only a 20-minute drive from Los Cabos International Airport (SJD) in Mexico.

While Ziva is the family-friendly option of Hyatt’s Ziva and Zilara all-inclusive brand siblings, TPG found the property to have plenty of options for visitors of all ages (including those who are looking for a little more seclusion away from children).

Guest rooms and suites fit the Baja California feel with terracotta tiles, light decor and dark wood accents. Ocean views are a must, and the Master Suite tier of rooms affords extra space as well as Hyatt club-level amenities.

On the food front, TPG recommends the poolside bars, which serve up delicious fish tacos and ceviche with service that is both friendly and fast. Bon Vivant, the resort’s French restaurant, is another winner with salad nicoise and duck breast — and it’s worth splurging on the wine list that isn’t part of the all-inclusive offering.

Rates start at $320 or 25,000 World of Hyatt points per night.

Hyatt Ziva Cancun

Cancun, Mexico

HYATT ZIVA CANCUN/FACEBOOK

Best for: Teens with a sweet tooth.

Why stay here: The resort has a teens club with virtual reality experiences and an array of water sports, plus a candy room that’s part of the all-inclusive rates.

Best way to book: Book directly with World of Hyatt.

Family-friendly Cancun might not be as stunning as Hyatt Ziva Cancun, an all-inclusive resort with spectacular views and sprawling beaches in the heart of Cancun. Don’t miss the expansive pool deck with chaise lounges, swim-up bars and hot tubs.

TPG favors rooms in the Ziva’s 17-floor Club Tower, which includes the hotel’s guest rooms and suites with Hyatt Ziva Club access. Ziva Club access includes things like private check-in and checkout and personalized concierge services. While the resort is family-friendly, couples will likely want to look into a stay in the adults-only Turquoize Tower. The Turquoize building includes rooms and suites with extras like private infinity pools or hot tubs.

The dining lineup is extensive, to put it mildly. A few of our favorites include El Mercado, Hyatt Ziva Cancun’s all-day buffet, and Pasteles, a dessert parlor to satisfy the sweetest of sweet teeth. Food carts even regularly circle the pool, so if you leave here hungry, it’s your own fault. The alcohol selection is also surprisingly highbrow for an all-inclusive resort and features spirits like Johnnie Walker Black whisky, Belvedere vodka and Don Julio tequila.

Rates start at $460 or 35,000 World of Hyatt points per night.

Hyatt Zilara Rose Hall

Montego Bay, Jamaica

HYATT ZILARA ROSE HALL/PARK HYATT

Best for: Couples looking for a traditional all-inclusive experience where they can redeem points.

Why stay here: Stay here if you’re craving a classic sun, sea and sand getaway with a warm Jamaican welcome and access to an array of amenities.

Best way to book: Book the Hyatt Zilara Rose Hall directly on Hyatt’s website to earn or redeem World of Hyatt points and take advantage of elite status benefits.

Hyatt made a major push into all-inclusive resorts in recent years, but one of TPG’s favorites has been around since the more recent expansion. Hyatt Zilara Rose Hall manages to feel secluded yet is mere minutes from Montego Bay’s Sangster International Airport (MBJ).

This adults-only resort features attentive service, a slew of amenities and a litany of dining options that makes this one of TPG’s favorite all-inclusive resorts. Guest rooms and suites offer airy, light environs perfect for a seaside vacation — we particularly love the swim-up suites. The Grand Butler Suite with personalized butler service is an ideal splurge for those looking for particularly attentive care.

On the activity front, spend time ranging from a plunge in the resort’s three-level pool to getting adventurous with surfing on Montego Bay. Hyatt Zilara Rose Hall’s spa features treatment rooms and a beachside cabana to indulge in a massage on the waterfront. Who doesn’t love getting rid of knots with crashing waves serenading you?

Dining options can satisfy a wide variety of taste buds. The resort’s upscale French restaurant, Petit Pariz, is ideal for a romantic date night, while Jamaican RootZ by HoriZons is great for all-day alfresco dining with a waterfront view.

Rates start at $492 or 25,000 World of Hyatt points per night.

Zoëtry Paraiso de la Bonita Riviera Maya

Riviera Maya, Mexico

ZOETRY PARAISO DE LA BONITA RIVI

Best for: Travelers wanting the ease of an all-inclusive resort without too much of a party scene.

Why stay here: Splurge on an oceanfront Butler Suite for a tailor-made experience with gorgeous views steps from the sand.

Best way to book: Book directly with Hyatt to earn or redeem World of Hyatt points and enjoy any elite benefits.

If you’re a little confused by the various all-inclusive brands under the Hyatt umbrella these days, have no fear. Zoetry is an all-inclusive brand targeting “holistic experiences” with “exceptional service.” Basically, you will almost certainly leave feeling pampered and more in tune with your wellness-oriented self.

Zoetry Paraiso de la Bonita Riviera Maya is one of our favorite ways to do just that. The Riviera Maya resort features a remarkable stretch of beach and attentive service, luxe accommodations and dining options galore. Tranquility is the name of the game here: less bottomless-well vodka and disco and more top-shelf liquor and soothing guitar music to ocean sounds.

Rooms and suites are sprawling. The resort’s smallest room is 800 square feet (essentially, the size of a two-bedroom apartment). Oceanfront views are a mainstay, as well as indoor-outdoor layouts, private balconies and decor featuring local art.

On the dining front, be sure to indulge in the fresh grilled seafood with waterfront views at El Chiringuito or the top-rated international cuisine at La Canoa, which is also known for its wine list (available at an added cost beyond the all-inclusive rate).

Of course, the holistic brand standard that Zoetry is known for, the Thalasso Center & Spa, is the draw here. Signature offerings include a Temazcal ancestral treatment to cleanse mind, body and soul, and a simpler Mayan massage encompassing cup treatment and reflexology.

Rates start at $396 or 25,000 World of Hyatt points per night.

Secrets Riviera Cancun Resort & Spa

Cancun, Mexico

SECRETS RIVIERA CANCUN RESORT & SPA

Best for: A stylish getaway a little removed from the action of Cancun.

Why stay here: Each of the resort’s luxurious rooms comes with a private terrace or patio with either a hot tub or swim-up pool.

Best way to book: Book directly with Hyatt to earn or redeem World of Hyatt points and enjoy any elite benefits.

Sure, the white sandy beaches and swim-up bars are love at first sight for a place like Secrets Riviera Cancun Resort & Spa. But shouldn’t your all-inclusive resort offer so much more? Secrets, an adults-only all-inclusive resort brand, certainly delivers in Cancun.

This all-suite resort manages to feel a little more secluded and cozy than you’d expect from an all-inclusive resort. Secrets Riviera Cancun guest rooms include private balconies and terraces with either hot tubs or swim-out access.

Activities abound, with kayaking, parasailing, windsurfing and snorkeling as just a few select offerings on the outdoor lineup. Be sure to refuel at the wide array of restaurant offerings, including Picante, the resort’s gourmet Mexican restaurant, and Coquette, an a la carte French restaurant.

Rates start at $485 or 25,000 World of Hyatt points per night.

Breathless Punta Cana

Punta Cana, Dominican Republic

BREATHLESS PUNTA CANA/FACEBOOK

Best for: Adults who want to be lazy in the sun then turn it up with live music and DJs.

Why stay here: At Breathless you get the perfect mix of a relaxing vacation with high-energy social elements.

Best way to book: Book directly with Hyatt to earn and redeem points.

All-inclusive resorts in the Dominican Republic might conjure images of the loud spring break crowd, but that’s not exactly the vibe at Breathless Punta Cana Resort & Spa.

The sprawling property is a favorite for its expansive suites and Xhale Club, a VIP offering with more personalized service for those staying in this category of suites. All suites feature balconies with private hot tubs, while some feature swim-up pool access from their terraces.

The restaurant lineup is extensive, with 11 restaurants and eight bars to indulge in. The Barefoot Grill serves beachside staples like burgers and grilled fish under the sun, while the Mediterranean-influenced Kibbeh restaurant is perfect for date night.

Carve out some me-time at the Relax Spa by Pevonia — the Sun Lover’s Facial is a must after a busy day lounging by the pool.

Rates start at $247 or 17,000 World of Hyatt points per night.

Dreams Dominicus La Romana

Dominican Republic

DREAMS DOMINICUS LA ROMANA/FACEBOOK

Best for: Those looking for an elevated all-inclusive getaway — you won’t find any wristband requirements here.

Why stay here: Beautiful beaches and spacious rooms and suites (all with private balconies and some with private pools) will lead to true R&R during your stay.

Best way to book: Book directly with Hyatt to earn or redeem World of Hyatt points and enjoy any elite benefits.

Dreams is the more family-oriented of the all-inclusive brands Hyatt acquired amid the Apple Leisure Group takeover. Dreams Dominicus La Romana is a traveler favorite thanks to its gorgeous beach location and plenty of poolside and waterfront chaise lounges. (We aren’t saying you won’t compete to nab a chair each day, but at least there are plenty from which to pick.)

When we say there’s something for everyone here, we mean it: Rooms and suites range from spacious garden-view rooms with private balconies, canopy beds and elegant bathrooms to expansive three-bedroom suites geared toward families. There are also swim-up suites and even a honeymoon suite with a private hot tub and hammock.

Both buffets win out at Dreams: There are lively cooking displays at World Cafe, and the club level-only Flying Fish buffet is a more exclusive all-you-can-eat feast. Dance the night away at Desires, the resort’s lounge and nightclub.

Rates start at $343 or 17,000 World of Hyatt points per night.

Sunscape Curacao Resort, Spa & Casino

Willemstad, Curacao

SUNSCAPE CURACAO RESORT SPA & CASINO

Best for: Families looking for a variety of activities for all ages.

Why stay here: Plenty of pools, a calm beach and a plethora of activities (including an indulgent spa) make Sunscape a choose-your-own adventure kind of resort.

Best way to book: Book directly with Hyatt to earn or redeem World of Hyatt points and enjoy any elite benefits.

Sunscape Curacao Resort, Spa & Casino is a swimmers delight thanks to its beach with protected waters for swimming and snorkeling. That’s only the beginning of the fun at this kid-friendly, all-inclusive resort. Paddleboarding and diving with the family or trying your hand with Lady Luck at the on-site casino are all part of a normal day here.

Guest rooms and suites are affordable and come with a garden view or a Caribbean Sea view (we prefer the latter). Consider upgrading to the resort’s Sun Club for nicer suites, lounge access and more personalized service.

Bluewater Grill, the resort’s international restaurant, is an ideal spot for dinner with views of the sea. Head to Oceana Restaurant for more Curacao flavors with your seafood.

Unwind with a treatment at the Sunscape Spa by Pevonia, which offers aromatherapeutic salt scrubs and a variety of massage options amid a wide-ranging treatment menu.

Rates start at $365 or 17,000 World of Hyatt points per night.

Dreams Onyx Resort and Spa

Punta Cana, Dominican Republic

DREAMS ONYX RESORT & SPA/FACEBOOK

Best for: Families craving fun in the sun and variety in pools (there are five to pick from).

Why stay here: Make it a family reunion and book the two-bedroom family suite, which can sleep up to 10 people.

Best way to book: Book directly with Hyatt to earn or redeem World of Hyatt points and enjoy any elite benefits.

Pool lovers, rejoice. Dreams Onyx Resort & Spa has plenty of options for you — five pools, to be exact.

There are two infinity pools and even a saltwater kids pool to keep the little ones busy. Don’t miss out on the resort’s expansive beach, an ideal place to read a book on the chaise lounge under a thatched umbrella — who doesn’t love finishing a juicy chapter amid a sea breeze?

The resort has a wide range of room and suite options, but all accommodations feature a hot tub on a private terrace or balcony and complimentary minibar as part of the all-inclusive rate. Consider a splurge to a nicer pool or ocean-view junior suite, or go the extra mile with an upgrade to the Preferred Club. This level of suites includes a personal concierge, lounge access and Preferred Club-only pools, bars and restaurants.

Varied activities are at guests’ fingertips here, including a free introductory scuba lesson, kids and teens clubs and several restaurants. Mercure is a delicious French brasserie. SandBar is our favorite spot for a margarita on the beach.

Rates start at $289 or 17,000 World of Hyatt points per night.

Miraval Arizona

Tucson, Arizona, USA

MIRAVAL ARIZONA/JAMES BAIGRIE/FACEBOOK

Best for: Health-conscious travelers looking for a luxurious desert-meets-mountains retreat.

Why stay here: A nonstop calendar of classes to invigorate the mind and body, plus top-notch amenities and a fantastic World of Hyatt points redemption value make this property an excellent option for adults.

Best way to book: Book through our partner Skylark to earn World of Hyatt points while enjoying elitelike benefits such as upgrades based on availability and on-property credits.

Go west, young man — and indulge in one luxurious spa.

Miraval Arizona brings luxe wellness accommodations to the desert and does it with flying colors. This TPG favorite will have you feeling like a celebrity in no time from all the scrumptious dining, pampering, treatments and activities.

Guest rooms and suites deliver Wild West chic with a clean design and fluffy beds. (Go ahead, jump on it — we won’t tell.) Larger rooms include private patios or outdoor showers and fire pits. Splurge more and enjoy suites with crackling fireplaces and views of the Santa Catalina Mountains. The ultimate indulgence is Miraval’s seven villas (ideal for families or larger groups) and retreats for better indoor-outdoor flow (dine under the stars or enjoy an indoor-to-outdoor shower — why choose?).

Miraval Arizona’s Life in Balance Spa is a draw for its decadent treatments, like a 50-minute Cara Vida facial (a resort exclusive) that features cold-pressed chia seeds and local Arizona honey. Check out the Cactus Flower Restaurant, the resort’s main dining spot, for specials like squash curry and a vegan chorizo tostada. For carnivores, the Coyote Moon Burger is also scrumptious.

Rates start at $874 or 40,000 World of Hyatt points per night.

Hyatt Zilara Cap Cana

Punta Cana, Dominican Republic

HYATT ZILARIA CAP CANA/HYATT

Best for: Travelers who want plenty of action, tropical vibes and a dose of romance.

Why stay here: An accessible Caribbean retreat, this property is an especially good value if you have World of Hyatt points to redeem.

Best way to book: Book the Hyatt Zilara Cap Cana directly on Hyatt’s website to earn or redeem points and take advantage of elite benefits.

Travelers craving an adults-only, all-inclusive resort experience won’t be disappointed in the least with a stay at Hyatt Zilara Cap Cana, as TPG discovered on a recent trip to the Dominican Republic.

We found it to be a little more highbrow than the typical all-inclusive experience, and we’re not complaining. The contemporary design, massive pools and sprawling beach are all selling points. Who doesn’t love to sip a morning mimosa amid well-manicured greenery and stone walkways heading to the turquoise sea? Luxury and all-inclusive aren’t mutually exclusive.

Rooms and suites are expansive, bright and (whether you like it or not) feature open rainfall showers. Swim-up and oceanfront suites add a little more connected action to your fun-in-the-sun getaway while the largest Presidential and Club Ocean View Master suites include huge balconies with waterfront views and entertaining spaces. Don’t forget the free minibar with snacks and sips like Presidente beers and Pringles.

On the restaurant front, Shutters Beachside serves breakfast (grab your morning egg frittata and crabcake and get a head start on claiming your chaise lounge for the day). Brando’s is the spot for an over-the-top dinner. Tahitian cru ceviche and grilled shrimp in a coconut and vanilla sauce received top marks after our dinner.

Poolside lounging might be the easiest way to spend time at Hyatt Zilara Cap Cana, but you can check out other activities like aqua-cycling and trying out Canapolis Water Park at the neighboring, family-friendly Hyatt Ziva property (accessible to all Zilara guests). A more relaxing endeavor comes at the Larimar Spa, featuring marquee treatments like a 90-minute body wrap that uses Dominican noni fruit.

Rates start at $444 or 35,000 World of Hyatt points per night.

Secrets Moxche Playa del Carmen

Playa del Carmen, Mexico

SECRETS MOXCHE PLAYA DEL CARMEN/FACEBOOK

Best for: Active couples and night owls who prefer to look beyond their hotel for entertainment.

Why stay here: Comfortable suites, plentiful amenities and all the energy of Playa del Carmen a short drive away.

Best way to book: Redeem or accrue points by booking directly with Hyatt.

Consider Secrets Moxche Playa del Carmen Hyatt’s latest show pony for all-inclusive resorts. The company CEO name-checked it in a recent earnings call and even hosted a companywide investor event there this spring to show off the recently opened resort — including the ultraluxury Secrets Impression Moxche resort-within-a-resort.

Secrets Moxche is known for its luxurious atmosphere, natural decor and impressive oceanfront views. The Secrets Impression resort within the overall Secrets property indulges guests with fresh seafood served beachside and complimentary poolside beds (complete with a curtain for when you need privacy … either from the sun or other guests).

The main resort features large guest rooms and suites with private terraces and balconies, contemporary furniture, and indoor-outdoor layouts fit for travelers looking to sunbathe or read inside to the tune of crashing waves outdoors.

On the pool front, Secrets offers a variety of options, like a lagoon pool complete with a sandy beach and The Cove beach bar. Other options include more private cenote-style pools and the main swimming area, complete with a swim-up bar you might expect from an all-inclusive resort.

Dining ranges from the Market Cafe buffet or room service to start the day to Suki, the resort’s sushi and teppanyaki restaurant.

Rates start at $538 or 35,000 World of Hyatt points per night.

Park Hyatt Maldives Hadahaa

North Huvadhoo, Maldives

PARK HYATT MALDIVES HADAHAA

Best for: The ultraluxury traveler who requires total seclusion and pristine beaches.

Why stay here: The Park Hyatt Maldives Hadahaa’s three-bedroom Overwater Reef Residence is a must-book for travelers seeking a palatial stay as close to the water as possible.

Best way to book: Book through our partner Skylark to enjoy elitelike benefits and on-property credits.

The Maldives conjures images of a bucket list trip, but the Park Hyatt Maldives Hadahaa is perhaps one of the most bucket list-iest of bucket list resorts on the island nation.

The newest and biggest splurge at the resort is the recently added three-bedroom Overwater Reef Residence, which spans nearly 10,000 square feet and includes views of the Indian Ocean and a private infinity pool. Your private chef and, yes, the resort’s Vidhun Spa will come to you for any treatments you might desire (a massage feels all the more indulgent from your private terrace, no?).

Other accommodations vary from overwater bungalows to more woodsy offerings on the Park Hyatt’s island. It goes without saying: The pool area and beach both provide ample opportunities to make the Instagram and TikTok followers jealous, TPG noted when we checked in.

While Park Hyatt isn’t traditionally a Hyatt brand associated with the all-inclusive resort sector, we’re including it here because the resort does offer an all-inclusive package that includes all meals and select alcoholic beverages.

All-inclusive rates start at $1,290 per night.

Miraval Austin

Austin, Texas, USA

SUMMER HULL/THE POINTS GUY

Best for: An ultraluxurious tune-up for the mind, body and soul in the heart of Texas.

Why stay here: When you want to do a little self-care, it’s always best to let the pampering Miraval team take care of everything else for the duration of your stay.

Best way to book: Book through our partner Skylark to enjoy elitelike benefits and on-property credits; or reserve through American Express Fine Hotels + Resorts for value-added benefits like upgrades and late checkout based on availability, plus on-property statement credits.

Head to the Texas Hill Country for a little R&R with a side of luxury at Miraval Austin.

The Hyatt resort brand, known for all things wellness, beckons travelers with its stunning property with views of Lake Travis and the surrounding Texas hills. Tranquility is the name of the game here, TPG discovered when we checked in. From meditation channels on the guest room televisions to a Himalayan singing bowl and Miraval Zen-branded amenities, the odds are probably low that you’ll leave here stressed.

Miraval Austin is popular, so book treatments and fitness classes well ahead of check-in, as those can fill up quickly and in advance. Can’t make it into the stress solutions class? Fear not. There are plenty of other offerings like archery, cooking classes and “Tex Zen” yoga. Get it? Whoever said you couldn’t be funny and health-conscious is sorely mistaken.

The Miraval Life in Balance Spa is a major draw for guests looking to indulge in treatments ranging from 100-minute body renewal rituals (complete with ginger grass and bamboo scrubs and cherry-blossom rice buffing) to an 80-minute Moroccan Coffee Blossom pedicure.

Gourmet lovers will be ready to book their next stay after a visit to Hilltop Crossings, the resort’s main restaurant featuring a mix of local ingredients and wellness-geared dishes — from sirloin raised at Texas’ own 44 Farms to hempseed meatballs.

After a busy day of activities, treatments and treats, head back to your room and soak all the Texas Hill Country glory in from the privacy of your own balcony. This is a rejuvenating resort at its finest.

Rates start at $709 or 40,000 World of Hyatt points per night.

Source: thepointsguy.com

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Welcome to the bustling metropolis of Atlanta, GA, where history, culture, and Southern charm converge in a captivating blend. As one of the most vibrant cities in the United States, Atlanta is a treasure trove of fascinating stories and hidden gems waiting to be discovered. In this Redfin article, we invite you to test your knowledge and embark on a journey through 15 fun facts about Atlanta. Whether you’re a long-time resident or you’re considering renting an apartment in Atlanta, prepare to be captivated by the city’s rich heritage, iconic landmarks, and surprising trivia. So, fasten your seatbelts and join us as we unravel the secrets of Atlanta, GA—your gateway to Southern hospitality and urban excitement.

aerial view of Piedmont Park with Atlanta skyline

1. It’s the birthplace of Martin Luther King Jr.

Atlanta holds significant historical importance as the birthplace of civil rights leader Dr. Martin Luther King Jr. The Martin Luther King Jr. National Historic Site, which includes his childhood home, the Ebenezer Baptist Church where he preached, and the King Center, his final resting place, honors the life of the civil rights icon. These sites are a must-visit bucket list item in Atlanta and offer a chance to connect with the legacy of one of America’s most influential figures.

2. Atlanta’s residents take pride in their Southern hospitality

Expect warm smiles, friendly gestures, and a genuine eagerness to make newcomers feel welcome. You’ll often find strangers striking up conversations, lending a helping hand, or sharing recommendations, creating a sense of community that is truly heartwarming.

3. Coca-Cola was invented and founded in Atlanta

Did you know that another? The World of Coca-Cola museum offers an interactive experience, taking visitors on a journey through the history, production, and global impact of this iconic soft drink. Sample over 100 beverages from around the world and marvel at the impressive collection of Coca-Cola memorabilia.

A fun fact about Atlanta is that the city is the birthplace of the world-famous beverage, Coca-Cola

4. Lights, camera, Atlanta: The Big Peach is a film and television hub

Atlanta has emerged as a major hub for film and television production, earning the nickname “Hollywood of the South.” Thanks to its diverse range of landscapes, favorable tax incentives, and world-class production facilities, the city has attracted numerous blockbuster movies and popular TV shows, such as Stranger Things and The Blind Side. Keep an eye out for familiar filming locations while exploring Atlanta’s neighborhoods.

5. Atlanta is home to vibrant neighborhoods

Atlanta is renowned for its neighborhoods, each with its own distinctive charm. From the historic streets of Grant Park and Inman Park to the trendy vibes of Midtown and the upscale ambiance of Buckhead, there’s a neighborhood to suit every taste. Explore their unique shops, restaurants, parks, and cultural offerings to find your perfect corner of the city.

6. Atlanta is one of the few cities that has a professional team for almost every sport

For sports enthusiasts, Atlanta offers a thrilling experience. The city is home to professional sports teams like the Atlanta Braves (baseball), Atlanta Falcons (football), Atlanta Hawks (basketball), and Atlanta United FC (soccer). Catching a game at the state-of-the-art Mercedes-Benz Stadium or the iconic Truist Park is an exhilarating way to immerse yourself in Atlanta’s vibrant sporting culture.

Mercedes Benz stadium in Atlanta, GA

7. From hip-hop royalty to soulful rhythms, Atlanta’s music scene won’t disappoint

Atlanta has made significant contributions to the music world, particularly in the genres of hip-hop, R&B, and gospel. The city has nurtured numerous talented artists, including Outkast, TLC, Usher, Ludacris, and many more. Explore the Atlanta Music Hall of Fame, visit iconic recording studios, and catch live performances at legendary venues like The Tabernacle and the Fox Theatre to immerse yourself in the city’s vibrant musical heritage.

8. You’ll experience festivals galore

Atlanta hosts a wide range of cultural festivals and events throughout the year, offering residents an opportunity to celebrate diversity and engage with different communities. From the Atlanta Jazz Festival and the Atlanta Film Festival to the Atlanta Dogwood Festival and the Dragon Con parade, there’s always something exciting happening in the city. These events showcase Atlanta’s artistic talents, culinary delights, and multicultural fabric, creating a vibrant and inclusive atmosphere for all.

9. Dive into the wonders of the deep at the largest aquarium in the world

One fun fact about Atlanta is that the city is home to the Georgia Aquarium, one of the largest aquariums in the world. This spectacular attraction allows visitors to immerse themselves in an underwater wonderland, featuring thousands of marine creatures, including beluga whales, manta rays, and whale sharks. You can also participate in unique experiences like swimming or diving with the aquarium’s gentle giants. The Georgia Aquarium offers an awe-inspiring journey into the depths of the ocean without having to leave the city.

Georgia Aquarium

10. You don’t have to leave the city to get your nature fix

Despite its urban nature, Atlanta boasts an abundance of green spaces and parks. Piedmont Park, located in the heart of the city, offers picturesque walking trails, beautiful views, and numerous recreational activities. The Atlanta BeltLine, a former railway corridor turned pedestrian-friendly trail, connects several neighborhoods and provides a fantastic space for outdoor enthusiasts.

11. Atlanta’s flavorsome fusions will surely delight

Atlanta’s culinary scene is a delightful fusion of traditional Southern flavors and innovative gastronomy. From down-home barbecue joints like Fox Bros. Bar-B-Q to fine dining establishments such as Marcel, food enthusiasts will find an array of mouthwatering options to satisfy their cravings. Don’t miss the chance to savor classic Southern dishes like fried chicken, biscuits, and peach cobbler while exploring the city.

12. Centennial Olympic Park serves as a legacy to the 1996 Summer Olympics

Atlanta played host to the 1996 Summer Olympics, and as a result, Centennial Olympic Park was created as a lasting legacy. This beautiful park spans 21 acres in downtown Atlanta and serves as a gathering place for locals and tourists alike. It features fountains, green spaces, walking paths, and the iconic Olympic Rings fountain. The park also hosts various events and concerts throughout the year, providing entertainment and recreational opportunities for all.

Olympic Rings at the Centennial Olympic Park in Atlanta

13. High Museum of Art unveils a world of masterpieces in Atlanta

Art enthusiasts will find a haven in the High Museum of Art, one of the leading art museums in the Southeast. The museum houses a diverse collection of artwork from around the world, including American art, European art, African art, and contemporary pieces. The striking architecture of the museum itself is a sight to behold. Visitors can explore the permanent collections, rotating exhibitions, and participate in educational programs that offer a deeper appreciation of the arts.

14. Ponce City Market, now a popular dining and shopping venue, was formerly a Sears

Located in the historic Sears, Roebuck & Co. building, Ponce City Market is a vibrant mixed-use development that seamlessly blends retail, dining, and entertainment. This trendy destination features an array of shops, local boutiques, artisanal food stalls, and rooftop bars with panoramic city views. From delectable cuisine to unique shopping experiences, Ponce City Market offers a lively atmosphere that showcases the city’s creative spirit.

Ponce City Market Sign

15. Atlanta’s street art scene paints the city in beautiful murals

Atlanta is home to a thriving street art scene, with captivating murals adorning buildings and walls throughout the city. The Atlanta Street Art Map highlights numerous vibrant artworks created by local and international artists. A unique activity to do in Atlanta is to take a walking tour or explore the neighborhoods to discover these remarkable displays of creativity and self-expression that contribute to the city’s vibrant visual landscape.

Atlanta, GA, is a city that continues to captivate residents with its rich history, diverse culture, and dynamic lifestyle. From its historical landmarks and world-famous attractions to its welcoming communities and thriving arts scene, there are countless reasons to move to Atlanta. Embrace the charm of this Southern gem and explore the countless fun facts that make Atlanta a truly unique and delightful place to call home.

Source: redfin.com

Apache is functioning normally

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

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

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

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

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

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

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

Around-the-world cruise

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

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

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

DAVID RAYMER/GETTY IMAGES

Family reunion

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

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

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

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

MORSA IMAGES/GETTY IMAGES

Follow your passion

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

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

Walk the world’s great treks

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

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

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Book a bike trip

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

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

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

Live like a local

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

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

Take that once in a lifetime adventure

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

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

MASSIMO COLOMBO/GETTY IMAGES

Go on a road trip

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

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

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

Bottom line

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

Source: thepointsguy.com

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A cool train, a fun daytrip and a great excuse to get dressed up in 1940s-era attire and hit the rails — my interest was immediately piqued.

When the team at TPG heard about the vintage train cars the United Railroad Historical Society of New Jersey runs up the Hudson River Valley from Manhattan to Albany, New York, we had to try it out for ourselves. Having now made the journey with TPG social media staffer Capri Whiteley, I can wholeheartedly say that climbing aboard these old-timey trains is absolutely worth it.

If this old-fashioned experience sounds like it may be a good fit for you, then read on for everything you need to know about Hudson River Rail Excursions.

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What are Hudson River Rail Excursions?

Operated by the United Railroad Historical Society of New Jersey, Hudson River Rail Excursions trains run from New York’s Moynihan Train Hall at Penn Station to the Albany-Rensselaer Amtrak station in upstate New York. Passengers get a two-hour layover in Albany before turning around and going straight back to Moynihan Train Hall. The whole trip, which includes a stop in New York’s state capital, takes about nine hours to complete, making for a solid daytrip.

The original railroad — The New York Central Railroad — launched the 20th Century Limited, which ran from New York to Chicago in 20 hours, way back in 1902. Interestingly, the 20th Century Limited literally invented the red carpet to differentiate its flagship service a few decades after it launched.

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Two cars that were saved from the wrecking yard — the Tavern-Lounge No. 43 and the Hickory Creek, which was the model featured in all the company’s promotional materials in the 1940s — are now used for the Hudson River Rail Excursions trains, and Capri and I were lucky enough to try out both on our trip back in time.

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What it’s like on Hudson River Rail Excursions

Boarding the train is a bit like transporting yourself back to the 1940s. The 20th Century Limited’s famous red carpet greets you as you approach the two historic cars attached to the back of an otherwise normal Amtrak train, and you’ll find some passengers donning formal attire similar to what would’ve been worn in the ’40s.

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CLINT HENDERSON/THE POINTS GUY

My coworker and I quickly found ourselves feeling like we’d entered another time period once on board. The experience was truly immersive, right down to the slightly musty smell and colorful retro decor you’ll only find on an old train car from the 1940s.

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Inside the classic cars, you’ll notice a variety of seating arrangements, many of which can be adjusted throughout the journey. We especially loved turning the chairs to face the windows after pulling out of the stations so we could take in the stunning Hudson River views.

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CLINT HENDERSON/THE POINTS GUY

During the ride, passengers learn all about the train’s history from the staff. Our host Kevin Phalon and every waiter we encountered were a joy to interact with, as they provided all kinds of interesting tidbits that made the journey even better. It really was exceptional service on par with what you’d expect in the 1940s.

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CLINT HENDERSON/THE POINTS GUY

For an even more elevated experience, passengers can reserve a spot in the more expensive car. At the end of the train, this car has wraparound windows, so you can take in the gorgeous scenery on all sides of the tracks.

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CLINT HENDERSON/THE POINTS GUY

Food and drinks on Hudson River Rail Excursions

One of the train’s many highlights during our outing was its dining.

CLINT HENDERSON/THE POINTS GUY

Waiters in vintage white jackets and black bow ties serve a variety of drinks and dishes as you traverse the rails.

Due to the low passenger count on these cars — no more than 70% of seats are sold so riders can comfortably spread out — the staff can more easily provide individualized service and attention. We immediately picked up on this while on board, receiving nothing but excellent and warm service.

CLINT HENDERSON/THE POINTS GUY

Come hungry for your ride, as you’ll have numerous options to choose from.

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CLINT HENDERSON/THE POINTS GUY

For lunch, we tried the Tavern-Lounge No. 43’s sandwiches, including one with salmon salad, another with grilled chicken breast, an option with meatloaf, a classic Italian sub, a vegetarian wrap and a BLT featuring smoked turkey. All were delicious, as were the homemade potato chips served on the side. To wash down your meal, you can pick from various sodas and nonalcoholic drinks without incurring any additional fees.

CLINT HENDERSON/THE POINTS GUY

If you wish to imbibe during your journey, pay for a seat in the pricier Hickory Creek car, where a selection of beer and wine are complimentary. Hickory Creek passengers also enjoy a four-course meal — including a cheese course, a salad and an entree like flounder Meunière, red wine-braised short ribs or cheese ravioli with sun-dried tomatoes — and plusher seats.

Regardless of which car you choose, you’ll have a nice selection of hors d’oeuvres available for the journey home. On our ride, we were offered caprese skewers and deviled eggs with salmon on top. Warm cookies were a welcome sight as the end of our trip approached.

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CLINT HENDERSON/THE POINTS GUY

An afternoon in Albany

CLINT HENDERSON/THE POINTS GUY

An added bonus of this journey is the opportunity to spend a few hours in Albany, a highly underrated city.

After making the short trip from the train station to downtown Albany, which lies just across the Hudson River, we decided to venture to the state capital for a quick tour and the observation floor at Albany’s tallest building, Corning Tower, to get the lay of the land from above.

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CLINT HENDERSON/THE POINTS GUY

Our short Albany layover ended with a visit to the New York State Museum, which had all kinds of displays about New York City, including a moving one dedicated to 9/11. Unsurprisingly, my favorite exhibit ended up being one with a vintage subway car.

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CLINT HENDERSON/THE POINTS GUY

Booking Hudson River Rail Excursions

Now for the bad news: This trip to the past is one hot ticket. In fact, Hudson River Rail Excursions have sold out in just minutes in the past and aren’t currently available.

UNITED RAILROAD HISTORICAL SOCIETY OF NEW JERSEY

We booked tickets for our May departure in February when tickets first went on sale. At the time, prices for rides in the Tavern-Lounge No. 43 car ranged from $149 to $179, depending on the day of the week. Meanwhile, the fancier Hickory Creek car cost between $347 and $379 per ticket. All proceeds go to the United Railroad Historical Society of New Jersey.

Passengers who want to book future journeys should join the email list so they receive an email when the dates for 2024 are announced. We expect tickets will quickly sell out again next year, so you’ll want to be sure to opt into the email list and be ready to purchase your tickets as soon as they become available.

Bottom line

You may need a little luck on your side to snag seats on this vintage train, but after experiencing the daylong trip for ourselves, we feel it’s well worth the effort.

Views of the spectacular Hudson River Valley and entertaining conversations with fellow train enthusiasts made it an adventure to remember. Not to mention, all the free food and drinks we tried were tasty, and the complimentary lounge access in the terminal was much appreciated. The few hours you get in New York’s capital make for a fun excursion, too.

CLINT HENDERSON/THE POINTS GUY

When I asked Phalon, our host from the United Railroad Historical Society of New Jersey, what his favorite part of the vintage train experience was, he answered “the people” without hesitation.

“I’ve now done the train ride a million times, but the people are very eager to learn,” he added. “We have you here for a daytrip, and then we teach you something.”

Having become quite a train addict myself since coming to TPG and going on a father-son adventure on the Alaska Railroad, a Brightline journey in Florida and a ride across the Pacific Northwest on Amtrak’s Empire Builder line, I completely agree with Phalon. The experience on board is what makes train travel so special.

While I understood how nice riding the rails can be long before this particular trip, our Hudson River Rail Excursions adventure cemented that sentiment even more.

I definitely recommend adding this one to your bucket list — it’s an experience you won’t forget.

Related reading:

Source: thepointsguy.com

Apache is functioning normally

Table of Contents
show

Highlights and Takeaways

  • The average millennial is 35 years old, earns $54,000 per year, and has a net worth (including any home equity) of around $130,000
  • 45% of millennials have student loan debt, with an average balance of $40,600
  • 52% of millennials are homeowners, with a majority of those home purchases occurring over the past 5 years
  • 55% of millennials have children, with a total U.S. birthrate in 2021 of 1.66 children per woman (it takes 2.00 children per woman for the population to replace itself, so we might be in trouble there…)
  • There are simple steps you can take to become better-than-average financially, including focusing on increased income, measuring your monthly cashflows, using tax-advantages investing vehicles, and more.

The Stats

I’m a Millennial. Many of you reading this are too. Millennials – also called Gen Y – are people born between 1981 and 1996. The average millennial is currently 35 years old.

Let’s walk through some vital financial statistics for American millennials. Then we’ll talk about how we can improve our own financial life to become above average.

Using income data and net worth data from the website DQYDJ, we can see that the average 35-year-old earns $55,000 per year and has a net worth (including home equity) of $130,000.

If we add in data from this Business Insider article, we also learn:

  • Just under half of American millennials have student loan debt. Roughly 45% of millennials have loans, with an average remaining balance of $40,600.
    • I’m sure this data skews younger. The oldest millennials are 42 years old, while the youngest are 27. Not only have college costs continued to rise in the past 20 years (affecting younger Millennials more than older), but there’s also the plain fact that older millennials have had more time to pay their loans off.
  • According to a RentCafe study, 52% of millennials own a home.
    • 18.2 million Millennials now own, or share ownership in, a home, vs. 17.2 million millennial renters (note: this data looks at the 110 largest American metro areas, thus does not include all millennials)
    • Again, this data likely has an age skew. The chart below shows how millennial homeownership first increased in the early 2000s – when the youngest millennials were still in elementary school. The oldest millennials have had a long time to buy.
    • That said, 7.1 million millennials became homeowners in the past 5 years (including yours truly). More and more younger millennials are looking to purchase homes.
    • An important caveat…home ownership might be the so-called “American Dream,” but it’s not mathematically optimal for all people, nor a great investment in general. I’m a huge proponent that your primary home is “a home first, an investment second.” You need a place to raise a family. You don’t need a 7% real return on investment.
  • According to an older (2019) Pew Research study, fewer millennials are starting families than previous generations. Pew found that 55% of millennial women had had a live birth, compared to 62% of Gen X women and 64% of Baby Boomer women in the same age range.
    • What does this have to do with personal finance?
    • First, kids are expensive. Having kids is financially challenging. And not having kids can be a symptom of an already-challenging financial life e.g. “I’m not having kids because I couldn’t afford to give them a good life,” or, “My goddamn student loans were so high we delayed having kids by 5 years.”
    • Second, birthrates drive economies. Children grow into adults – who work, consume, and oil the economic machine. Personal finance is tied to that economy.

How to Be a Better-Than-Average Millennial…At Least Financially

What can you do to rise above the average?

First, adopt a stoic mindset. If you’re “worse” than average, you’re not a bad person. And whatever happened in the past – those events that brought you to this moment – is immutable. You can’t change it. All you can do is forge on and blaze a better trail ahead.

So let’s blaze that trail.

Salary and net worth are easy-to-measure metrics, so let’s start there.

Improving Your Salary

One of the worst pieces of financial advice I see all too often is, “Did you consider increasing your income?” …as if there are raises hiding in your office cabinets if only you’d look for them!

The better advice, instead, is encouragement that you can increase your income. You just need the right approaches and tactics. What are some examples?

  • Talk to your manager. Is there a path for increased pay in your role or at your company? Ask them: what does that path look like? Get them to agree that if you follow the path, a pay raise will follow.
  • More education. Maybe there isn’t a positive path at your current job. It’s a dead end. You need to find ways to get on a better path, and further education is highly effective. BUT! You need start with the end in mind. Get a degree or certification that will truly further your career and your income. Computer science? Yes. Underwater basketweaving? Not so much.
  • Look outside your current role, too. One of the fastest ways to higher pay is by switching jobs. Or using a potential job switch to negotiate a raise.
  • Side hustles can work. But choose carefully. I know too many Uber drivers who, if they ran the numbers, would realize their side hustle barely pays them minimum wage.
Getting some inflation-adjusted raises would help, too…

Increasing Your Net Worth

Salary is a one-trick pony. All it measures is incoming cashflow in. Net worth is far more comprehensive, as it’s a function of:

  • inbound cashflow
  • outbound cashflow
  • changes in asset values (e.g. investment growth)

There are many ways to increase your net worth, most of which are within your control today (unlike increasing your salary, which might take years to successfully execute).

  • Learn from the #1 lesson I’ve found from the various financial experts I’ve interviewed on my podcast:
  • Measure your cashflow – a.k.a. budgeting. You can’t manage what you don’t measure. The only way you’ll ever decrease your spending is if you measure your spending. You need a budget – it can be detailed, or simple. But you can’t not have a budget.
  • Follow the financial order of operations. Learn how to prioritize your financial to-do list.
  • Put in more “work” to combat financial disorder. You’ll need to read this article for context.
  • Remove the negatives. Personal finance is a “negative art.” Increasing your net worth is more about avoiding mistakes than taking huge steps forward.
  • Bucket your money, then put it to work. Determine the timeline for the various expenditures in your life, then invest the money you don’t need in the short term.
  • Take advantage of tax advantages and “free money,” like 401(k) or Roth IRA accounts.

Housing and Kids

How can you be “better-than-average” in terms of housing and children?

If you’re thinking, “Homeowner plus 3 kids is better than renter with zero kids,” I think you’re doing it wrong. Instead, consider the financial (and more importantly, non-financial) acumen that goes into making those decisions.

For example, I think rent vs. buy calculators – like this one from Nerdwallet – are fantastic tools. If the math points you toward renting, then rent. There’s no race to be a homeowner, nor do I think homeownership is intrinsically good. “Better than average” doesn’t apply here.

But I think it’s more important to look yourself in the mirror and be honest with answers like:

  • How many years do I plan on living here?
  • Do I love this house? This neighborhood? This school district?
  • If this home never appreciates in value, am I ok with that?
  • Or the alternative: Since rent doesn’t build equity, am I ok “throwing my money away” in exchange for flexibility and less responsibility?

Children are even more personal and less financial. The only major financial question, in my opinion, is: do we have the financial means to provide for this child? Every other important question is personal.

Again, there’s no such thing as “better than average.” Instead, I see child-rearing in a binary way: are you giving your children a good home? Or not?

If you are, then you’re doing it right. Whether you have 10 kids or 1, you need to give them a good home. What’s a “good home” vs. a “bad home?” Everyone’s opinion will differ. But you know it when you see it.

Millennials are getting their financial life in order. It’s a wonderful thing. And through smart, patient personal finance decisions, you can carry on to become a “better-than-average” financial millennial. Investing in knowledge is a great place to start.

Thank you for reading! If you enjoyed this article, join 6000+ subscribers who read my 2-minute weekly email, where I send you links to the smartest financial content I find online every week.

-Jesse

Want to learn more about The Best Interest’s back story? Read here.

If you prefer to listen, check out The Best Interest Podcast.

Source: bestinterest.blog

Apache is functioning normally

Table of Contents
show

Highlights and Takeaways

  • The average millennial is 35 years old, earns $54,000 per year, and has a net worth (including any home equity) of around $130,000
  • 45% of millennials have student loan debt, with an average balance of $40,600
  • 52% of millennials are homeowners, with a majority of those home purchases occurring over the past 5 years
  • 55% of millennials have children, with a total U.S. birthrate in 2021 of 1.66 children per woman (it takes 2.00 children per woman for the population to replace itself, so we might be in trouble there…)
  • There are simple steps you can take to become better-than-average financially, including focusing on increased income, measuring your monthly cashflows, using tax-advantages investing vehicles, and more.

The Stats

I’m a Millennial. Many of you reading this are too. Millennials – also called Gen Y – are people born between 1981 and 1996. The average millennial is currently 35 years old.

Let’s walk through some vital financial statistics for American millennials. Then we’ll talk about how we can improve our own financial life to become above average.

Using income data and net worth data from the website DQYDJ, we can see that the average 35-year-old earns $55,000 per year and has a net worth (including home equity) of $130,000.

If we add in data from this Business Insider article, we also learn:

  • Just under half of American millennials have student loan debt. Roughly 45% of millennials have loans, with an average remaining balance of $40,600.
    • I’m sure this data skews younger. The oldest millennials are 42 years old, while the youngest are 27. Not only have college costs continued to rise in the past 20 years (affecting younger Millennials more than older), but there’s also the plain fact that older millennials have had more time to pay their loans off.
  • According to a RentCafe study, 52% of millennials own a home.
    • 18.2 million Millennials now own, or share ownership in, a home, vs. 17.2 million millennial renters (note: this data looks at the 110 largest American metro areas, thus does not include all millennials)
    • Again, this data likely has an age skew. The chart below shows how millennial homeownership first increased in the early 2000s – when the youngest millennials were still in elementary school. The oldest millennials have had a long time to buy.
    • That said, 7.1 million millennials became homeowners in the past 5 years (including yours truly). More and more younger millennials are looking to purchase homes.
    • An important caveat…home ownership might be the so-called “American Dream,” but it’s not mathematically optimal for all people, nor a great investment in general. I’m a huge proponent that your primary home is “a home first, an investment second.” You need a place to raise a family. You don’t need a 7% real return on investment.
  • According to an older (2019) Pew Research study, fewer millennials are starting families than previous generations. Pew found that 55% of millennial women had had a live birth, compared to 62% of Gen X women and 64% of Baby Boomer women in the same age range.
    • What does this have to do with personal finance?
    • First, kids are expensive. Having kids is financially challenging. And not having kids can be a symptom of an already-challenging financial life e.g. “I’m not having kids because I couldn’t afford to give them a good life,” or, “My goddamn student loans were so high we delayed having kids by 5 years.”
    • Second, birthrates drive economies. Children grow into adults – who work, consume, and oil the economic machine. Personal finance is tied to that economy.

How to Be a Better-Than-Average Millennial…At Least Financially

What can you do to rise above the average?

First, adopt a stoic mindset. If you’re “worse” than average, you’re not a bad person. And whatever happened in the past – those events that brought you to this moment – is immutable. You can’t change it. All you can do is forge on and blaze a better trail ahead.

So let’s blaze that trail.

Salary and net worth are easy-to-measure metrics, so let’s start there.

Improving Your Salary

One of the worst pieces of financial advice I see all too often is, “Did you consider increasing your income?” …as if there are raises hiding in your office cabinets if only you’d look for them!

The better advice, instead, is encouragement that you can increase your income. You just need the right approaches and tactics. What are some examples?

  • Talk to your manager. Is there a path for increased pay in your role or at your company? Ask them: what does that path look like? Get them to agree that if you follow the path, a pay raise will follow.
  • More education. Maybe there isn’t a positive path at your current job. It’s a dead end. You need to find ways to get on a better path, and further education is highly effective. BUT! You need start with the end in mind. Get a degree or certification that will truly further your career and your income. Computer science? Yes. Underwater basketweaving? Not so much.
  • Look outside your current role, too. One of the fastest ways to higher pay is by switching jobs. Or using a potential job switch to negotiate a raise.
  • Side hustles can work. But choose carefully. I know too many Uber drivers who, if they ran the numbers, would realize their side hustle barely pays them minimum wage.
Getting some inflation-adjusted raises would help, too…

Increasing Your Net Worth

Salary is a one-trick pony. All it measures is incoming cashflow in. Net worth is far more comprehensive, as it’s a function of:

  • inbound cashflow
  • outbound cashflow
  • changes in asset values (e.g. investment growth)

There are many ways to increase your net worth, most of which are within your control today (unlike increasing your salary, which might take years to successfully execute).

  • Learn from the #1 lesson I’ve found from the various financial experts I’ve interviewed on my podcast:
  • Measure your cashflow – a.k.a. budgeting. You can’t manage what you don’t measure. The only way you’ll ever decrease your spending is if you measure your spending. You need a budget – it can be detailed, or simple. But you can’t not have a budget.
  • Follow the financial order of operations. Learn how to prioritize your financial to-do list.
  • Put in more “work” to combat financial disorder. You’ll need to read this article for context.
  • Remove the negatives. Personal finance is a “negative art.” Increasing your net worth is more about avoiding mistakes than taking huge steps forward.
  • Bucket your money, then put it to work. Determine the timeline for the various expenditures in your life, then invest the money you don’t need in the short term.
  • Take advantage of tax advantages and “free money,” like 401(k) or Roth IRA accounts.

Housing and Kids

How can you be “better-than-average” in terms of housing and children?

If you’re thinking, “Homeowner plus 3 kids is better than renter with zero kids,” I think you’re doing it wrong. Instead, consider the financial (and more importantly, non-financial) acumen that goes into making those decisions.

For example, I think rent vs. buy calculators – like this one from Nerdwallet – are fantastic tools. If the math points you toward renting, then rent. There’s no race to be a homeowner, nor do I think homeownership is intrinsically good. “Better than average” doesn’t apply here.

But I think it’s more important to look yourself in the mirror and be honest with answers like:

  • How many years do I plan on living here?
  • Do I love this house? This neighborhood? This school district?
  • If this home never appreciates in value, am I ok with that?
  • Or the alternative: Since rent doesn’t build equity, am I ok “throwing my money away” in exchange for flexibility and less responsibility?

Children are even more personal and less financial. The only major financial question, in my opinion, is: do we have the financial means to provide for this child? Every other important question is personal.

Again, there’s no such thing as “better than average.” Instead, I see child-rearing in a binary way: are you giving your children a good home? Or not?

If you are, then you’re doing it right. Whether you have 10 kids or 1, you need to give them a good home. What’s a “good home” vs. a “bad home?” Everyone’s opinion will differ. But you know it when you see it.

Millennials are getting their financial life in order. It’s a wonderful thing. And through smart, patient personal finance decisions, you can carry on to become a “better-than-average” financial millennial. Investing in knowledge is a great place to start.

Thank you for reading! If you enjoyed this article, join 6000+ subscribers who read my 2-minute weekly email, where I send you links to the smartest financial content I find online every week.

-Jesse

Want to learn more about The Best Interest’s back story? Read here.

If you prefer to listen, check out The Best Interest Podcast.

Source: bestinterest.blog

Apache is functioning normally

Do you want to live a great life? Do you feel like your life isn’t going the way you want?

Maybe your plan isn’t working, or you just want a change because anything is better than how things are currently going.45+ Ways To Live An Amazing Life

45+ Ways To Live An Amazing Life

Or, maybe you just want to improve your life even more this year!

No matter how you’re feeling, I believe that everyone is in charge of their own destiny and that everyone can learn how to live a great life.

If you feel things are not going the way you want them to go, then change it! You can improve your life and how you perceive it by taking part in different actions.

For that reason, I’ve packed this post with my best and most actionable tips so that you can live a great life, and there are some new ones that are sure to make this new year your best ever. Enjoy, and I hope this year is a great one for everyone.

Related reads:

How to live a great life in 2023!

1. Reach your goals in 2023.

To make it a great year, you’ll want to set goals so that you can reach your dreams. Those who set goals are much more likely to be successful than those who do not.

To reach your goals, you’ll want to:

  • Review the previous year along with your previous goals and objectives.
  • Make sure your goal is SMART.
  • Write down your goals and objectives.
  • Create a plan to reach your life goals.
  • Break your goal apart into smaller goals.
  • Keep track of your goal setting progress and make changes (if needed).
  • Find small ways to stick to your goal.
  • Find ways to motivate yourself when setting goals.
  • Make reaching your goal a friendly competition.

Read further at The Best Way To Set Goals And Reach Success.

2. Smile more.

Smiling is contagious and is very important if you want to live a great life!

Studies have even proven that smiling can improve your mood, even if it’s a fake smile.

Smile at the next person you pass, smile when you’re talking on the phone, smile when your loved one comes home, smile in an interview, and more.

Related: How To Better Yourself – 23 Challenges That Will Change Your Life

3. Don’t be afraid of what people think.

I used to really care about what other people thought of me, but I’ve been able to let go of that and now I couldn’t be happier. This has really helped me learn how to live a great life.

You shouldn’t let the opinions of others affect you, drag you down, control you, and so on. Like I always say “Who cares!?”

Why should the opinions of others matter to you? And, because everyone is different, all that should matter is what is right for you.

Related content: Learn How To Set Resolutions — Make This Year The Best Yet!

4. Spend less time watching TV.

I bring this up a lot on Making Sense of Cents, but this statistic is just crazy-

the average person watches around 35 hours of TV a week.

35 HOURS!

Our minds are greatly influenced by what we see on TV. Plus, watching TV can be a big time waster and can be detrimental if you want to live a great life.

Instead of turning on the TV the next time you are bored or looking for something to do, you may want to do something more worthwhile, such as working out, spending time with friends and family, reading a book, and so on.

5. Be more confident.

A lack of confidence may:

  • Prevent someone from believing in themselves.
  • Lead to someone being too shy to do what they want or need.
  • Force someone to do things they hate.
  • Cause someone to ruin a meeting, job possibility, and so on.
  • Lead to unhappiness.

On the flip side, confidence can open many doors for you.

It can lead to getting the job you want, making more money, reaching your dreams, meeting new people, networking, traveling the world, and more.

Read more at Be More Confident And Get What You Want In Life.

6. Be thankful for what you have.

The next time something negative is bringing you down, I suggest you try to remember all of the positive and good in your life. You already live a great life, you just need to remember that.

This is the power of positive thinking at its best.

You can be thankful for your family, friends, job, a past experience, opportunities, and more.

Thinking about everything you are thankful for can make something negative seem very trivial. You may even laugh at yourself for being so negative!

7. Start investing.

I want you to start investing if you haven’t done so yet.

You want to invest your money so that you can:

  • Retire one day.
  • Prepare for unexpected events in the future.
  • Allow your money to grow over time.

Read more at The 6 Steps To Take To Invest Your First Dollar – Yes, It’s Really This Easy!

8. Be kind to others.

You should always be kind to others. This can help both you and others live a great life. Being kind can open your mind, help you stop dwelling on negative things in life, brighten someone’s day, and more.

You can be kind to others by doing things such as:

  • Say hello to every person you walk by today.
  • Open doors for others.
  • Smile at strangers.
  • Help someone with their groceries.
  • Volunteer somewhere.

Related post: 50+ Random Acts of Kindness.

9. Look for ways to save more money.

Looking for ways to save more money may allow you to pay off your debt quicker, improve your financial habits, help you reach your dream sooner, and more.

Plus, there are many, many different ways to save money. You don’t need to sacrifice your favorite things or live an unhappy life in order to save money.

It’s all about being realistic and finding a good balance between saving and spending.

Read more at 30+ Ways To Save Money Each Month.

10. Take a risk.

Have you ever thought about doing something particularly risky but were too afraid to go for it?

Well, it may be your year! Or, at least maybe you can start planning to take that risk?

Doing something risky every so often can get your heart beating and your adrenaline rushing. This can really make you feel alive and like you are in charge of your life.

11. Realize that it’s okay to fail.

If you’re taking risks or trying new things, there is a chance that you may fail.

But, that’s completely okay!

You won’t know if something will work or not unless you try it, and sometimes failure is just a part of the learning process.

Part of living a great life is failing every now and then. Accept that fate now and you’ll be better prepared when it happens.

12. Create a budget.

The average family carries a lot of financial stress. Most people have student loans, credit card debt, a mortgage, car loans, and sometimes other forms of debt.

However, not many people have a budget.

In fact, 68% of households in the U.S. do not prepare a budget.

Budgeting can help you take control of your finances, which can then help reduce stress and allow you to reach your dreams. Having a budget is crucial if you want to live a great life.

Read more at The Complete Budgeting Guide: How To Create A Budget That Works.

13. Say yes.

If you often find that you’re hiding from everyone and you feel like you are stuck, you may want to try branching out and saying yes more often.

Saying yes can open you up to more situations, help you grow as a person, and so on.

14. Say no.

If you say yes to everything, but you are ready to pull your hair out, then you may want to start saying no. No one wants to be walked on or spread too thin, and you also don’t want to be holding yourself back from the things that you truly want to do in life.

Saying no may allow you to have more time to focus on what you truly want from life.

15. Don’t let life pass you by.

It can be really easy to let life pass you by. Before you know it, years or even decades may be gone.

Too many people have the mindset of “Oh, in 10 years life will be so much better because of such and such.” And then, they just let their lives go by without ever thinking about the present.

Well, what about now?!

10 years is a long time!

Reaching a goal is great, but you should always make sure you are living life to the fullest (on a budget, of course).

16. Cherish moments with loved ones.

You should never take a moment for granted with those that you love. This will sound very doom and gloom, but you just never know what may happen to you or them.

Plus, spending time with your loved ones is always a great time, so why not just do it more?!

17. Pay off debt.

Paying off your debt can lessen your stress levels, allow you to put more money towards something else (such as retirement), stop paying interest fees, and more.

Debt can hold a person back significantly, and by paying off your debt you may be able to live the life that you’ve always wanted.

Let’s make this the year that we finally get rid of our debt or at least work our way towards eliminating it!

Read more at How To Eliminate Your Debt.

18. Exercise more.

Whenever I’m feeling a little stressed out, tired, or even grumpy, I try to fit in a workout. I know that even a small workout is better than none.

Exercising is great and it can improve your life because it can make you healthier all around. You will feel more confident, your mind will be clearer, you will be able to better cope with stress, and more.

19. Increase your credit score.

If you need a loan for anything in the future, you can do easy things to increase your credit score. Watch your utilization rate on your credit cards, pay your bills on time, watch the amount of hard inquiries on your credit report, and so on.

Your credit score is important because it can affect your interest rate and whether or not you will get approved for a loan.

Just a few percentage points can mean the difference of hundreds of dollars each month.

That means you can wind up saving THOUSANDS each year just by increasing your credit score. You can check your credit score for free with Credit Sesame.

20. Don’t keep up with the Joneses.

Whether you are five years old and want that new toy everyone is playing with, or if you are 50 years old and are feeling the need to upgrade your house, car, etc., everyone has experienced wanting to keep up with someone else.

The problem with this is that keeping up with the Joneses can actually make you broke.

When trying to keep up with the Joneses, you might spend money you do not have. You might put expenses on credit cards to (in a pretend world) “afford” things. You might buy things that you do not care about. The problems can go on and on.

This can then lead to an excessive amount of debt and potentially set someone back years with their financial goals, if not decades.

21. Do what YOU want to do.

What makes you happy, excited, joyful, and motivated? That’s what you should be doing with your life (as long as it’s legal)!

Stop thinking about what other people want you to do and start listening to your heart. Who cares about what others think? If you spend all your time thinking about others, you will just be wasting a ton of time!

  • If you want to live a life of adventure – Go for it.
  • If you want to start a family – Start planning one.
  • If you want a better job – Get one.
  • If you want to change the world – Do it.

22. Read as much as you can.

I’ll admit it, I don’t read as many books as I would like to.

I’m so focused on reading about personal finance, but I know I need to occasionally take a break and do some reading for pleasure.

Reading is great for many reasons, such as:

  • Providing knowledge.
  • Improving your memory.
  • Opening your mind.
  • Bringing out your creative side.
  • It is affordable entertainment.

And more!

23. Think positively.

I say this often, and I believe it.

Thinking positively can greatly improve your life and your outlook on life. Being positive can help motivate you, it can help you to not waste time on regret, and more.

Related article: Why I Believe Being Positive Can Change Your Financial Situation And Your Life.

24. Don’t waste time on being negative.

You are wasting your time when you are being negative.

Instead of wasting your energy on things like dwelling on regret and/or gossiping, you can be more productive by using this time for things that actually matter.

By being more positive, you will be able to better simplify your life.

25. Find free forms of entertainment.

Someone once told me how expensive it was to have fun. They were telling me about all of their debt and everything that goes along with it, then they also told me that their monthly “fun” budget was around $500.

Uhhh what?! $500? A month?!

If you are trying to get rid of high-interest rate debt, I can’t think of any reason for why you should be spending $500 a month to have fun.

There are many ways to have fun for cheap. Check out How To Have Frugal Fun for some of my ideas.

26. Stop letting money control you.

If you want to gain control of your life and make it a great year, then you need to gain control of your money.

This means you need to stop worrying about all of the things that are holding you back. Instead, create an action plan so that the littlest things do not tear you down or stress you out.

27. Get enough sleep each night.

According to the National Sleep Foundation, the average person needs around 7.5 hours of sleep in order to “function at their best.” However, the average person actually only sleeps around 6.5 hours.

Lack of sleep, according to HealthLine, can lead to issues such as:

  • Impaired brain activity
  • Memory problems
  • Moodiness
  • Depression
  • Cold and Flu
  • Type 2 Diabetes
  • Weight gain
  • High blood pressure
  • Heart disease

Due to this, you should aim for 7-8 hours of sleep every night.

28. Find something good in a negative situation.

There may even be some good in a bad experience, even though it can be hard to think about the positive while you are experiencing something negative.

Through the power of positive thinking, you can use a bad experience to learn something new about yourself, to realize you made a mistake, to come up with a new plan you never thought of before, and more.

Taking the negative and turning it into a learning experience can help prevent a negative situation from happening again. Or, maybe next time you’ll be more prepared!

29. Travel to a random place.

There are many wonderful places in the world. Traveling to a random place can help improve your confidence, open you up to new experiences, and may even make you a little uncomfortable- and sometimes that’s okay.

30. Create a bucket list.

If you don’t have a bucket list, I recommend creating one now! In case you are unaware, a bucket list is where you list all of the major goals you want to meet, places you want to visit, and things you want to do in your life.

Creating a bucket list can give you the motivation you need to work harder towards your dreams, it can give you a sense of direction, and a great feeling of fulfillment as you complete each amazing thing you want to do.

31. Welcome the unknown.

Some people like to ignore the unknown because they are afraid of it. However, you’ll never know what your future holds unless you try new things and welcome different experiences.

When looking forward, you should make a realistic plan for what may happen once you start taking steps to reach your goal. This may make the whole thing much more relaxing and less stressful because you will be more prepared for the unknown.

For example, if you want to leave your job for something else but are afraid of what may happen, one thing you might want to do is to make sure you have a well-funded emergency fund. This way, if it takes you a little longer to find your dream job or dream life, your emergency fund will be there to help ease some of the stress.

2017 is here! If you want to learn how to live a great life, then you'll want to read this. Let's make 2017 a great year full of great things!

2017 is here! If you want to learn how to live a great life, then you'll want to read this. Let's make 2017 a great year full of great things!

32. Be open to new things and tackle your fears.

When was the last time you did something new? So many people live inside their comfort zone when they actually need to branch out every now and then.

Yes, stepping outside of your box can be tough, but what if it completely opened your eyes and changed your whole outlook on life? Wouldn’t that be amazing?

If you want to learn how to live life to the fullest, this is something you need to do every now and then. You could even give yourself a goal to try something new each day, each week, or each month.

33. Become more organized.

Being unorganized can waste a significant amount of your time. It leads to late fees, stress, lost items, and more.

Here are some surprising statistics I found from Simply Orderly about being unorganized:

  • The average person spends 12 days per year looking for things they can’t find.
  • Every day, the average office worker spends 1.5 hours looking for things.
  • In a recent survey, 55% of consumers stated they would save anywhere from 16 to 60 minutes a day if they were organized.
  • 23% of people pay bills late and have to pay late fees because they are unable to find their bills.

34. Be open minded to live a great life.

Being open minded is a great quality. There are billions of people in this world and everyone is different, so instead of judging others we should be more open minded.

And, everyone can stand to be a little more open minded.

Being open minded can help you accept changes, love others, be optimistic, learn from others, and most of all, it’s relaxing. Instead of worrying about what everyone else is doing, you can relax, have less stress, and just accept those around you.

35. Finally get rid of cable.

The average monthly cable bill is over $100. The average cable bill is around $200 a month.

You can read more about cutting cable here and how to save money by doing this. I recommend getting a digital antenna so that you can receive local channels for free!

We don’t pay for any form of TV (not even Netflix!), and we LOVE it.

36. Drink more water to live a great life.

According to Lifehacker, the average person should drink around 9 to 13 cups of water per day. This is just a baseline, though, as if you exercise or are in hot weather, then you should consume more.

However, not many people get anywhere near this amount of water.

Drinking water can help you lose weight, perform better, be happier, prevent headaches, help your skin, and is a must for your body to survive.

37. Make more money.

Here on Making Sense of Cents, I spend a lot of time discussing extra income, side hustles, side income, and how to make money online. I believe that earning extra income can completely change your life in a positive way. You can stop living paycheck to paycheck, pay off your debt, and more, all by earning extra money.

In fact, because of extra income and my blog, I was able to pay off $38,000 in student loans within 7 months, I was able to leave my day job in order to pursue my passion, travel full-time, and more!

Related blog posts:

38. Spend less time on social media.

The average person spends many, many hours on social media each week.

Between Pinterest, Facebook, Twitter, Instagram, Snapchat, and many others it can be quite easy to waste your entire day.

If you find that you are spending too much time on social media and that it is negatively impacting you, you may want to shut down the social media accounts that you are spending too much time on. You can even create a time block so you cannot access your accounts during certain periods of the day, and so on.

39. Declutter and downsize.

Decluttering and downsizing can help you:

  • To save money. In some cases, a bigger home can cost more due to higher utility bills, more clutter being bought, higher insurance, more maintenance and repairs needed, higher purchasing price, etc.
  • To have less clutter. The bigger your home, the more likely you’ll have empty rooms that you feel the need to put stuff in. Now that we live in an RV, we are much more mindful of what we buy. We think about every purchase in terms of weight, size, where we can store it, and more.
  • To spend less time on maintenance and repairs. If all other factors between two homes are the same (age, location, etc.), a bigger home is more likely to take up more of your time and money due to more things breaking.
  • To spend less time cleaning. A larger home is going to take a lot more time to clean than a smaller one.

40. Have regular family money meetings.

Talking about money and conducting regular budget meetings is an important task for every family and serious relationship to take part in. A family who has regular money talks and budget meetings is more likely to be financially successful and happier than a family that doesn’t.

Regular money meetings can lead to better communication between family members, a more unified financial goal, family members being more involved and motivated, and more.

Read more at Family Budget Meetings – Yes, You Need To Have Them.

41. Keep a journal.

While I don’t have a journal, I do have this blog, which acts as a journal in a way. Keeping a journal can help you reflect on your past, and it also allows you to see the progress you are making towards your goals and dreams.

Plus, spilling your heart out every so often is great for the mind and soul.

Related tip: If you’re looking for a life planner, I highly recommend checking out Erin Condren and looking at their life planners and monthly planners. This can be a great way to stay motivated so that you can reach your dream life!

42. Don’t be afraid to be successful.

When some people become successful and reach their goals, they occasionally start feeling guilty.

Yes, I know, this might seem weird. However, I understand this.

Sometimes I really dislike telling my friends and family how great life is and how much I love my business. I often feel guilty, but I just need to remember that a mixture of luck and hard work led me to where I am. Everyone has their down points, and I had them as well.

You shouldn’t be afraid to talk about your accomplishments, and you shouldn’t ever be ashamed of your success.

43. Sit silently.

When was the last time you just sat down in complete silence with no distractions? For the average person, this is probably a rare occurrence.

Sitting silently can help you reflect on your life and what’s going on in the world around you. It can also help you relax, destress, and clear your mind.

44. Have an emergency fund.

An emergency fund is something that I believe everyone should have. However, according to a report by Bankrate.com, 26% of Americans have no emergency fund whatsoever.

This same report stated that only 40% of families have enough in savings to cover three months of expenses, with an even lower percentage having the recommended six months worth of savings.

This is frightening to me, as having an emergency fund can really help you get through tough parts of your life.

An emergency fund can help you if you lose your job, if your hours are cut back, if you have an unexpected expense, and so on.

Read more at Everything You Need To Know About Emergency Funds.

45. Stay motivated.

Even with how much I love saving money, every now and then it becomes easy to get unmotivated and want to SPEND ALL THE MONEY!

I’m sure I’m not alone either.

While many choose to live a frugal life, it’s not always easy. Some have large amounts of debt to pay off, others find it hard to stick to a budget, and more.

Finding financial motivators will help you continue to work hard towards your goal, even when it seems impossible. Without motivation, one might give up on a financial goal quite easily. This is why it’s so important to learn how to stay motivated.

Read more at Paying Off Debt And Budgeting: Tricks For Staying Motivated.

46. Stop being afraid of your past.

Just because you may have failed at something in the past, this should not prevent you from aiming for your goals. I know people who have completely given up with reaching for hard goals because they weren’t successful in the past. However, that’s a horrible mindset to have.

If you have failed in the past, then you should use those mistakes as learning tools for the future.

What will you do to live an amazing life? What tips on how to live a great life do you have to share with us?

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