Are you dreaming of making the move to Portland but find yourself balking at the prices in the city? You’re not alone. In this article, we’ll break down the appeal of some of the most affordable Portland suburbs, offering you a chance to enjoy the best of the Pacific Northwest without breaking the bank. From the charming streets of Beaverton to the scenic views of Gresham, we’ve scoured the area to guide you to four of the top Portland suburbs where affordability meets quality living.
Whether you’re a first-time homebuyer, an established family or somebody simply seeking a change of scenery, these suburbs promise to deliver without compromising on the Portland experience.
Our goal in this piece is to discover the most budget-friendly suburbs in Portland for renters. These four suburbs provide a peaceful escape with their tranquil scenery, welcoming communities and affordable prices, allowing you to live in the boundless beauty of Oregon without breaking the bank.
The average cost of renting a one-bedroom apartment is $1,295.
The average cost of renting a two-bedroom apartment is $1,695.
The distance to Portland is about 13 miles.
One of the most affordable suburbs in Portland that we have on our list is Aloha. It is roughly 12 miles west of downtown Portland, making it a convenient location. The monthly rent for a one-bedroom unit in Aloha is around $200 cheaper compared to Portland, which means you can save some money.
This budget-friendly suburb is ideal for those seeking a laid-back and nature-oriented community. Aloha boasts plenty of green areas and parks, like Mountain View Champions Park and Hazeldale Park.
The average cost of renting a studio is $1,175.
The average cost of renting a one-bedroom apartment is $1,305.
The average cost of renting a two-bedroom apartment is $1,550.
The distance to Portland is about 12 miles.
Only 12 miles southeast of Portland lies our second suburb, Clackamas, which is home to approximately 7,000 people. The average rent prices in Clackamas are significantly lower than those in Portland. For a two-bedroom unit, the monthly rent is around $1,550, whereas in Portland it would be about $1,795.
Clackamas also offers opportunities for outdoor activities with the nearby Mount Talbert Nature Park, which boasts scenic hiking trails and stunning views of the surrounding landscape. For those looking to shop and dine, the Clackamas Town Center is a popular destination with tons of stores and restaurants.
The average cost of renting a studio is $1,650.
The average cost of renting a one-bedroom is $1,435.
The average cost of renting a two-bedroom apartment is $1,747.
The distance to Portland is about 8 miles.
Beaverton is an excellent option for those looking to rent, located approximately eight miles west of Portland. With an average rent of $1,435 for a one-bedroom unit, you could save around $60 per month compared to Portland’s average of $1,494.
One of the highlights of Beaverton is the Tualatin Hills Nature Park, which provides plenty of opportunities to reconnect with the great outdoors through things like hiking and outdoor meditation. Beaverton’s downtown has a lively food scene, with a variety of restaurants and cool cafes to choose from.
The average cost of renting a studio is $1,279.
The average cost of renting a one-bedroom apartment is $1,495.
The average cost of renting a two-bedroom apartment is $1,581.
The distance to Portland is about 17 miles.
Gresham provides an inexpensive suburban option for those willing to make a slightly longer commute. While the cost of renting a one-bedroom unit is comparable to Portland, opting for a two-bedroom unit in Gresham could save you around $210 per month.
Gresham offers the opportunity to experience the breathtaking Mount Hood National Forest, which includes opportunities for hiking, camping and plenty of other outdoor activities that are perfect for outdoorsy types.
Visitors can discover the charming downtown area, famous for its quaint shops, locally sourced restaurants and well-attended community events, providing an ideal setting to fully immerse oneself in the town’s unique character.
Find the perfect place in Portland
Whether you’re drawn to Aloha’s close-knit community, Clackamas’s scenic beauty, Beaverton’s lively locals or Gresham’s laid-back vibe, these suburbs prove that you can enjoy the perks of Portland living without taking on the high costs.
The dream of affordable living in the Portland area is not just a fantasy – it’s a reality waiting for you in these charming suburbs. For those considering transitioning from renting to owning a home, be sure to explore the most budget-friendly suburbs around Portland to purchase a house.
Straddling the border of Missouri and Kansas, Kansas City is a great city with a strong culture, history and food scene that set it apart from other stellar U.S. cities. Plus, it’s more affordable than most comparably sized metros! Known for its distinctive contributions to the arts, sports and cuisine, this Midwestern gem has a unique charm and a deep-rooted history that calls out to visitors and residents alike.
In this article, we delve into the many things that make Kansas City a remarkable and memorable place to call home. From its world-famous barbecue to its pivotal role in jazz music history, we explore the key elements that have shaped Kansas City’s identity and continue to make it a top spot to lay down roots for the long haul.
Employment
Kansas City has a dynamic economy, with a range of employment opportunities across a ton of established or emerging industries. The city is renowned for its significant contributions to industries like agriculture, manufacturing and transportation, reflecting its historical roots as an essential hub in the American Midwest. In recent years, Kansas City has seen a surge in technology and healthcare, attracting innovative startups and skilled professionals.
The five largest employers in Kansas City
For job seekers, Kansas City offers the rare combination of a thriving job market and an affordable cost of living. The city’s entrepreneurial spirit is supported by a strong network of business incubators and accelerators, making it an attractive destination for individuals looking to start or grow their businesses in a supportive environment. Kansas City provides plenty of resources for job training and career development through local organizations and community colleges. The city’s central location in the United States also makes it a strategic spot for logistics and distribution, offering opportunities in transportation, warehousing and more.
Entertainment
Kansas City’s unbreakable connection with jazz is clear thanks to its many live venues, most notably in the bustling 18th & Vine Jazz District. This area is also home to the American Jazz Museum, a must-visit for all jazzy types. Beyond the sweet sounds of a wandering sax, you can find everything from indie rock to classical performances.
The Kauffman Center for the Performing Arts is a hub for talent of all types, hosting the Kansas City Symphony, the Lyric Opera and touring Broadway shows and concerts. Additionally, the Power & Light District offers a more lively nightlife experience with its healthy selection of bars, nightclubs and live music venues, making it a popular destination for a night out.
Five great live entertainment venues in Kansas City
For those seeking a more laid-back evening, Kansas City has more than a few options. The city is home to a thriving arts scene, with galleries and art walks, particularly in the Crossroads Arts District, which comes alive on the first Friday of every month with performances and food trucks. For sports fans, the city rallies around its professional teams, with the Kansas City Chiefs (NFL) and Kansas City Royals (MLB) drawing crowds from across the state.
History
Kansas City has a multifaceted history that dates back to its founding in the early 19th century. Initially, the area was a strategic point for trade and travel, situated at the confluence of the Missouri and Kansas rivers. The settlement, originally known as the Town of Kansas, was established in 1838 and later incorporated as the City of Kansas in 1850. It became a necessary hub for westward expansion, playing a significant role in the history of the Oregon, California and Santa Fe trails. Following the Civil War, Kansas City experienced rapid growth, bolstered by the development of the railroad network. This expansion led to its emergence as a vital center for agriculture, manufacturing and trade in the Midwest.
The 20th century saw Kansas City flourish culturally and economically. The 1920s and 1930s marked a golden era for the city’s jazz scene, with musicians like Charlie Parker and Count Basie contributing to its reputation as a jazz capital. The city’s architecture also experienced a renaissance of sorts, including the construction of more than a few notable Art Deco buildings. However, Kansas City also faced challenges, notably during the era of political boss Tom Pendergast in the 1920s and 1930s, whose influence shaped local politics and infrastructure projects, albeit amidst widespread corruption.
Outside
Kansas City is a great place for outdoorsy types. The city is home to plenty of parks and green spaces, with Swope Park being one of the largest urban parks in the United States. It’s a sizable area for hiking and biking and also houses the Kansas City Zoo as well as two golf courses.
The city’s extensive boulevard system, designed by George Kessler, connects many of these green spaces, creating a cityscape that encourages outdoor activities. The city’s commitment to outdoor living is further exemplified by its well-maintained walking and biking trails, like the Trolley Track Trail and the Riverfront Heritage Trail.
Just a short drive from Kansas City, nature lovers will find an abundance of outdoor activities and natural beauty. The nearby Flint Hills region is unique in its beauty and ideal for hiking, horseback riding and more. To the north, Smithville Lake and Watkins Mill State Park provide additional opportunities for boating, swimming and camping. For those willing to venture a bit further, the Ozarks region to the southeast presents a dramatic change in topography with its rolling hills, forests and many streams and rivers, perfect for camping, hiking and exploring Missouri’s natural beauty.
Food
Kansas City’s barbecue tradition is deeply rooted in its history, with dozens of barbecue establishments across the city, each boasting its own secret recipes and sauces. These range from sweet and tangy to spicy and smoky, offering a diverse palate of flavors.
Kansas City’s barbecue joints, from historic names like Arthur Bryant’s and Gates Bar-B-Q to newer establishments, attract both locals and visitors alike. Beyond barbecue, the city’s culinary scene is a tasty collection of flavors. The City Market area, for example, has a ton of global foods and fresh produce.
Five of the best restaurants in Kansas City
Kansas City has seen a surge in farm-to-table restaurants, emphasizing fresh, locally sourced ingredients and innovative culinary techniques. These establishments often collaborate with nearby farms, resulting in seasonally changing menus that highlight the best of the region’s produce. The city’s coffee culture is also thriving, with specialty coffee shops and roasters dotting the landscape.
So, what is Kansas City known for?
Kansas City is a place that wears many hats, each more colorful and intriguing than the last. It’s a place where history is not just remembered but actively celebrated, where the flavors are as rich and varied as its culture and where the arts and sports shine hand in hand under the bright Missouri (or Kansas) sun.
From the smoky aroma of its legendary barbecue to the soulful sounds of jazz that fill its historic streets — to that “guy on the Chiefs” — Kansas City is not just a destination but an experience. Whether you’re drawn by its food, its musical heritage or its warm, welcoming atmosphere, Kansas City leaves an indelible mark on all who call it home.
Looking for under the table jobs? When you’re looking for ways to earn extra cash, under the table jobs can be a route to take. These jobs typically pay with cash only. These can be part-time jobs, side hustles, or even a full-time career. Now, with under the table jobs, the person paying you is…
Looking for under the table jobs?
When you’re looking for ways to earn extra cash, under the table jobs can be a route to take. These jobs typically pay with cash only.
These can be part-time jobs, side hustles, or even a full-time career.
Now, with under the table jobs, the person paying you is not paying taxes. But, you still should pay taxes, as it is the law in the U.S.
Key Takeaways
Under the table jobs are a flexible way to earn cash without formal employment.
You can tap into many different job fields, from childcare to handyman services, to make extra money.
If a person pays you in cash, it’s still important to report that income to the IRS. If you don’t, it could be tax evasion, which is illegal.
Best Under the Table Jobs
If you’re looking for ways to earn cash, there are plenty of jobs that you can do under the table.
Some popular options include:
As a handyman, you can fix things around a house, like replacing a bathroom mirror or broken doors. If you’re good with tools and fixing things, this can be a great way to make some money.
If you like sharing what you know, tutoring might be a good side gig for you. You can help kids with their schoolwork or even teach music if you play an instrument.
Babysitting is a classic way to earn cash. You watch kids while their parents are away and might even help them with homework.
Love being outside? Try landscaping or mowing lawns. You can make yards look nice and make good money.
For those who love animals, dog walking or pet sitting are fun ways to make money. Spend time with pets, take them for walks, and make sure they’re fed.
Continue reading below to see the full list and learn more about under the table jobs.
1. Reseller
Resellers buy items and sell them for a higher price to make a profit.
You can find things at low prices from garage sales, thrift stores, or online clearance deals. Then, you sell them in places like eBay, Facebook Marketplace, Craigslist, or even to friends and family.
You can sell things like clothes, electronics, toys, and books that people want. It’s usually a good idea to choose items you know a lot about because it makes it easier for you to know a good deal when you see one.
I personally have many friends who are resellers, and I was a reseller in the past as well (before I started blogging full-time!). It can be a great way to make cash income.
Whether you’re looking to make just a little extra cash or if you want a full-time job, this is a good option to look into.
I recommend watching the free webinar Turn Your Passion For Visiting Thrift Stores, Yard Sales & Flea Markets Into A Profitable Reselling Business In As Little As 14 Days to learn how to make money by flipping items.
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This free workshop will teach you how to get into the flipping business. It will teach you how to resell furniture, electronics, appliances, and anything else you can find.
2. Childcare
A popular cash job is babysitting. Most moms and dads need good babysitters, and they’re happy to pay a fair amount for someone to watch their kids while they go out for the evening.
Babysitters make a good income these days – typically around $20 per hour.
If you think it might be tough to earn money this way, don’t worry – it’s possible. Just posting a simple message on your Facebook page could connect you with someone who needs a babysitter.
Note: I recommend making sure you check with your city or state before you begin. Also, make sure that your home is safe (if you watch children in your own home) and that you are CPR certified.
Recommended reading: 29 Best Stay At Home Jobs
3. Home and yard maintenance
When you’re looking for a way to make some extra money, you can do home and yard maintenance jobs. These are tasks people don’t have time to do themselves (or they simply don’t like to do!).
For example, if you like being outdoors, landscaping work might be perfect for you. Jobs in this area include lawn mowing, trimming hedges, and planting flowers.
If you prefer working indoors, you might focus on home maintenance tasks instead. Tasks like house cleaning or helping to organize a garage are commonly needed.
These jobs usually pay in cash at the end of the day or after the job is done. Usually, the homeowner pays you in cash before you go home.
4. Pet groomer
Pet groomers clean pets so that they look nice and healthy (and everyone needs a regular bath!). If you like pets, then you may enjoy being a pet groomer.
Pet groomers can sometimes get paid in cash, especially when you run your own business. I have seen many pet grooming businesses that operate out of a trailer that the person pulls behind their vehicle. They go straight to the person’s home, wash their dog in their mobile dog cleaning trailer, and then collect the cash payment once they are done.
Your work will include brushing and cutting fur, trimming nails, giving baths, and maybe even brushing the pet’s teeth. You make sure pets are clean, comfortable, and looking good. Sometimes, pet owners might also ask you to style their pets’ fur in a special way as well (such as by pinning back fur out of the dog’s eyes).
5. Pet sitter
Working as a pet sitter can be a simple and enjoyable way to earn extra cash.
As a pet sitter, your job is to keep an eye on someone’s pet while they are away. This can include feeding, walking, and playing with the pet to make sure it’s happy and healthy. You may need to stay overnight at the pet owner’s home or the pet may stay with you (it simply depends on what you and the pet owner agree on).
You can find pet sitting jobs on Rover. I have personally used this site countless times to find a pet sitter for my dogs.
Another under the table job similar to this is becoming a house sitter. House sitters watch homes while the owner is away and this can be a great side hustle. I talk more about this in a section further below.
6. House cleaning
When you’re looking for work that’s paid directly in cash, without formal paperwork, you might want to start with house cleaning.
So, what does a house cleaner include? Well, you’ll do things like dusting, vacuuming floors, and cleaning bathrooms. Sometimes, you’ll wash dishes or do laundry. If the house has pets, you might need to clean up after them too. Some house cleaners may even specialize in areas like extensive deep cleans that may take a whole day or even many days (or weeks!).
House cleaners earn between $25 to $50+ an hour for cleaning for others.
To get paid in cash means that you’ll typically work for yourself and get paid once you are done with cleaning for the day or after a week or two.
Getting this kind of business going isn’t costly because you probably already have the cleaning supplies you need (like a mop and vacuum). You can let people know about your services on Facebook, tell your friends and family, or create an account on Care’s website.
7. Dog walker
Dog walkers are exactly that – they walk dogs to make money.
You can find these jobs posted on platforms like Rover or just by posting something on your personal Facebook page advertising your dog walking service.
As a dog walker, your job is to take dogs for their daily walks while their owners are busy. This may be a walk that is around 30 minutes to one hour each time, but it all depends on what you have agreed on with the owner.
Walking pets can earn you about $15 to $25 or even more for each walk per animal.
8. Snow removal
If you’re good with a snow shovel or snowblower, snow removal might be a great job for you. This work can pay cash, making it a common under the table job.
When it snows, many people need help clearing their driveways and sidewalks. Some jobs are for one-time events, while others might need you all winter right after it snows to keep their driveways and sidewalks safe for people to walk or drive on.
You can find snow removal jobs by asking your neighbors or local businesses. Sometimes people put up signs along the roads in neighborhoods or ads online looking for help when there’s a big snowstorm.
People usually pay right after you’re done with the work.
9. Makeup artist
If you enjoy using makeup and know all the latest beauty trends, being a makeup artist can be a fun way to earn money.
It’s a job where you can be creative and help people look their best for events like weddings or photo shoots.
As a makeup artist, you’ll work with different tools like brushes, sponges, and a palette of colors. Your job will be to apply makeup on clients’ faces. You could work with all sorts of people, from friends and family to clients in your area.
10. House sitting
When you house sit, you’re taking care of someone else’s home while they’re away. This could be at a house near where you already live or maybe you fly to a fun vacation destination and watch their house there.
It’s your job to make sure everything stays safe and clean and that nothing happens to the home (such as a frozen water pipe bursts).
You might need to pick up the mail, water plants, or feed pets. Sometimes, people will ask you to stay overnight to make sure the house does not stay empty.
11. Sell at farmers markets
If you’re looking to make some cash, you can start selling at a local farmers market.
Some things that you can sell include fresh produce, homemade goodies, jewelry, unique crafts, or even baking cakes are great items. You’ll want to make sure your product and booth stand out, as there will be a lot of booths around you.
Shoppers at farmers markets typically pay in cash, so you can get paid quickly!
Note: To sell at a farmers market, you might need to get a permit. You can start by checking with your county health department and the United States Department of Agriculture (USDA) for rules. Every place has different laws, so it’s important to understand what applies to your situation.
12. Have a garage sale
Having a garage sale is a way to earn some extra cash, and you don’t need special skills to get started. Look around your home for things you no longer use or need, and these could be clothes, toys, books, or even bigger pieces like furniture.
Items sold at garage sales typically don’t sell for a ton of money, but it can be a great way to declutter while getting paid cash.
Weekends, especially Saturday mornings, are prime times for yard sales. Make sure to check your local weather forecast as a sunny day can lead to more foot traffic. Once you have your date, gather all the items you plan to sell.
Then, you’ll want to organize your items by category. For example, put all the kitchen items on one table and all the books on another. Price everything clearly – you might use colored stickers for pricing – to avoid confusion.
You can advertise your garage sale a few days before. You can do this by posting on social media (such as by sharing it in local Facebook groups), community bulletin boards, or local classified websites. Signs around your neighborhood can also help draw attention to your sale.
During the sale, you’ll want to have change ready for customers who pay with cash, and you’ll probably want to have a calculator handy if you’re not comfortable doing math in your head.
13. Tutoring
If you’re knowledgeable in a subject, tutoring can be a good job for you. This is a job where you help others, like kids or even adults, to understand things better.
As a tutor, you work one-on-one or with small groups to teach things like math, reading, specialty exams, or even foreign languages.
Harder subjects usually pay more than easier subjects, and you may be able to earn $25 or more per hour as a tutor. You may get paid after each tutoring session. Or, if you are a regular tutor for a person, it may be weekly or even monthly – it depends on the agreement that you have with the person you are tutoring.
14. Painter
As a painter, your job is to paint walls, buildings, and other surfaces.
Your job responsibilities may include preparing surfaces by cleaning and scraping, mixing paint to get the right color, and applying paint with brushes, rollers, or sprayers.
Back when we were selling our first house, we hired a solo painter to come in and paint all the walls. This is a job that you may be able to find as well.
15. Handyman
If you’re good with tools and fixing things around the house, you might think about working as a handyman.
This job involves fixing leaky faucets, patching holes in walls, or putting together furniture. People tend to need help with these small jobs and look for someone who can do them without too much fuss.
You can find handyman jobs on websites like Craigslist or by asking friends and family if they know anyone who needs help.
With the same house I mentioned in the previous section, we also hired a handyman to renovate our bathroom as well as do around 10 other smaller things around our house too. We actually found him through a family friend, and he did so much work for us. It was great!
16. Dance instructor
Being a dance instructor can be a fulfilling under the table job in some cases. You could work with students of all ages, teaching them how to dance or different dance styles.
Of course, you will want to make sure that you are a skilled dancer, as this is not a job that anyone can do.
So, do you have experience in styles like ballet, hip-hop, or salsa? Or something else?
You can start by giving classes in your community or looking for local studios in need of instructors.
17. Auto mechanic
Working as an auto mechanic could be a great under the table job for you, and there are always people who need work done on their cars.
You’ll typically charge less than if a person would be going to a car dealership or a car mechanic business. People would usually be looking to hire a cash-pay mechanic if they were wanting to save some money.
As a mechanic, you make sure cars are running smoothly. Your job might include changing oil, replacing brakes, and making sure the engine is in top shape. Of course, you need to know what you are doing, as people are trusting their expensive cars and their lives with the repairs and updates that you do.
Working like this usually means you have to find your own customers. Good places to start are local ads or online platforms like Craigslist (start by looking under the “gig” section).
18. Photographer
Becoming a photographer can be a fun way for you to earn money if you are good with photography.
As a photographer, you can decide to work as an independent contractor, which means you are your own boss. This might involve getting paid in cash or a check for your services.
The different types of photography you can get into include:
Portrait photography – You might take photos of people and families, capturing special moments. Families like to have memories of their loved ones, and they’re willing to pay you for this service.
Event photography – This includes taking photographs at events like weddings or birthday parties. People like to remember these big events and may hire you to make sure they have great photos to look back on.
Commercial photography – This is for businesses that need photos of their products, services, real estate, and more.
Recommended reading: 18 Ways You Can Get Paid To Take Pictures
19. Sell firewood
Selling firewood can be a way to make money, especially if you live in an area where wood is used for heating or camping. Homeowners in colder places are always buying wood for their wood burning fireplaces and stoves, so this can be a good way to make some extra money by selling truckloads of wood.
First, you need to get firewood. If you have trees on your land, you might be able to cut your own wood.
After you have wood to sell, think about how you will sell it. You can sell wood online on websites where people buy and sell things in your community. You can also have a place at your house where people come to buy wood from you.
If you don’t have trees of your own, look for jobs where you can gather wood. Some people will even pay you to take away old trees or wood piles they don’t want.
Note: I recommend that you always keep in mind to follow the rules about selling wood where you live. Some places have rules about moving firewood to stop bugs and diseases from spreading to other trees.
20. Junk hauler
Being a junk hauler might be a great fit for you if you don’t mind a bit of heavy lifting. People tend to hire junk haulers when they have big, heavy things that they want to get rid of after all.
As a junk hauler, you get to help people clear out unwanted items from their homes or businesses. These items could be anything from old furniture to broken appliances.
Your job will mostly involve picking up and removing junk. You’ll need to have a reliable vehicle, maybe a truck or a van, that can carry all the items. Sometimes, you’ll be recycling things or taking them to a landfill.
You can find junk hauling gigs on websites or by signing up with companies that look for contractors. These could be one-time jobs or regular work, perfect if you’re looking for a side hustle or even to grow your own junk removal business.
You’ll generally get paid after you complete a job and since it’s often under the table, payment is usually in cash. This means you get paid directly, with no checks or direct deposits.
We personally had to call a junk hauler when we had several pieces of rotten wood that we needed thrown away – it was several hundred pounds and extremely messy – not something that we wanted to mess with and we also wanted it gone right away. That same day, a junk hauler came by and took it for $125. We paid him cash and he took it to the dump for us. It was so convenient for us and good business for him.
21. Rent out a spare room
If you have an empty room at your place, you might want to think about renting it out. This can be a good way to make some money on the side without a lot of work.
I have had several roommates over the years. We would rent out our spare room to long-term renters and people that we personally knew (such as friends and my sister).
To find a roommate and make money from renting your place, you can tell people about it in different ways. You can share it on your own Facebook page, post an ad on websites like Craigslist, make a rental listing on Airbnb, and try other methods.
Frequently Asked Questions
When you’re looking into jobs that pay cash, also known as under the table jobs, you might have a lot of questions.
What are under the table jobs?
Under the table jobs are ways you can earn money that’s usually paid in cash and not recorded officially by an employer. This means no tax forms are involved and no taxes are taken out of your pay right away (but you should still pay them!).
Is under the table work legal?
Okay, this is a great question to ask. After all, this is a whole article on how to find under the table jobs. So, does that mean these types of jobs are legal?
Well, working under the table can be tricky when it comes to the law. Your employer might pay you in cash without giving you a contract. While it might seem straightforward, not reporting this cash income to the IRS is considered tax evasion. Earning cash itself isn’t illegal, but failing to report it on your taxes can lead to problems.
What are the positives of working for cash?
When you get paid under the table, you get to keep all the money you earn immediately. This kind of setup is nice for jobs like babysitting or doing yard work, and you don’t have to wait for a paycheck. But, remember, you still have to pay taxes! So, the main positive is that you are paid cash right away, instead of having to wait a couple of weeks.
What are possible risks of working under the table? Is it OK to get paid under the table? Can an employee get in trouble for working under the table?
Working under the table can be risky. If the IRS finds out you’re not reporting your income, both you and your employer could face penalties. Also, you won’t have official records of your income, which can make it tricky if you need to show how much you earn for things like loans or renting a place to live.
What jobs can be paid under the table?
You can find jobs like babysitting, pet sitting, house cleaning, or gardening that pay under the table. These jobs usually pay cash because they are informal and may not involve paperwork. There are many other jobs that I didn’t even get into in the list above, such as becoming a personal assistant (doing things like grocery shopping and setting up appointments), personal trainer, graphic designer (making logos and more), and so on.
How do I find under the table jobs? How can you find local jobs that pay in cash?
To find these jobs, you can start by asking friends or neighbors if they need help with anything. You can also look at community bulletin boards or online classifieds for local job opportunities.
How do I ask for payment under the table?
If you’re looking for cash payment for a job, be honest and up front with your employer. Tell them you prefer cash payment, but realize that it’s usually smaller gigs that will pay cash and not more regular job opportunities. Keep in mind, though, that all income should still be reported for tax purposes.
How can you find jobs that pay under the table on Craigslist?
On Craigslist, you can filter your job search by using keywords like “cash pay” or “under the table.”
Under the Table Jobs – Summary
I hope you enjoyed this article on how to find the best under the table jobs.
Getting paid cash right after you complete a job is nice – you don’t have to worry about waiting for a payment and you can pay your bills right away.
There are many ways to find under the table jobs, such as by asking people that you know or by looking at gig/job websites in your area.
Now, there are pros and cons to being paid under the table. Being paid under the table means you get cash quickly. However, there are risks like missing out on legal protections and benefits, and if not reported, it might lead to tax evasion consequences.
So, when working under the table, it’s important to keep track of how much money you make. After all, you’re responsible for your own records and taxes, even if you’re paid in cash.
So, you do still need to pay taxes on the income that you make.
When you work under the table, you’re often working part-time or full-time but without the usual job benefits. If you’re planning ahead, think about how these jobs might affect your career later on. Eventually, it may be a good idea to find a job with more regular benefits where you pay taxes straight out of your income.
What do you think are the best under the table jobs?
Renting in Portland? Discover the most affordable places to rent in 2024.
As the Rose City, Portland offers beautiful nature, bustling city atmosphere and riverfront views, all without leaving the city. Whether you’re new to the city or curious about rental trends, you may wonder, how much does rent cost in Portland? On average, monthly rent prices are $1,217 for a studio, $1,494 for a one-bedroom unit and $1,795 for a two-bedroom unit. Depending on your budget, these prices may be out of your range.
Don’t worry, we’ve got you covered with these surrounding areas. In this article, we set out to find the most affordable Portland suburbs for renters. These four suburbs offer a breath of fresh air with their serene landscapes, warm communities and more reasonable prices, so you can still experience Oregon’s beauty while sticking to your budget.
#1: Aloha
Average rent for a one-bedroom: $1,295
Average rent for a two-bedroom: $1,695
Distance from Portland: 12 miles
Apartments for rent in Aloha
The first spot on our list of affordable Portland suburbs is Aloha. This area is located about 12 miles west of Portland, so you’re not too far from downtown. The average rent for a one-bedroom unit in Aloha is about $200 less than in Portland, meaning you’ll save a bit each month. This affordable suburb is great if you’re looking for a relaxed and outdoorsy community. You’ll find a lot of green spaces and parks in Aloha, like Mountain View Champions Park, Tualatin Hills Nature Park, and Hazeldale Park.
#2: Clackamas
Average rent for a studio: $1,175
Average rent for a one-bedroom: $1,305
Average rent for a two-bedroom: $1,550
Distance from Portland: 12 miles
Apartments for rent in Clackamas Just 12 miles southeast of Portland is our second suburb, Clackamas. The area is home to about 7,000 residents, and the average rents are much less than in Portland. If you’re planning to rent a two-bedroom unit, the monthly cost is approximately $1,550. On the other hand, a two-bedroom unit is about $1,795 in Portland. Clackamas provides opportunities for outdoor adventure with the nearby Mount Talbert Nature Park, offering hiking trails and beautiful views of the surrounding landscape. Additionally, the Clackamas Town Center is a popular shopping destination featuring a variety of shops and restaurants.
#3: Beaverton
Average rent for a studio: $1,650
Average rent for a one-bedroom: $1,435
Average rent for a two-bedroom: $1,747
Distance from Portland: 8 miles
Apartments for rent in Beaverton
Another great suburb for renters is Beaverton, which is roughly 8 miles west of Portland. You’ll save about $60 a month, as the average rent for a one-bedroom unit is $1,435, compared to Portland’s $1,494. Home to Tualatin Hills Nature Park, Beaverton offers lots of outdoor activities like hiking and exploring the nature preserve. You can also check out the vibrant food scene in the downtown area, with diverse restaurants and eateries.
#4: Gresham
Average rent for a studio: $1,279
Average rent for a one-bedroom: $1,495
Average rent for a two-bedroom: $1,581
Distance from Portland: 17 miles
Apartments for rent in Gresham
A bit farther from Portland, Gresham is about 17 miles east, but it offers an affordable suburban alternative. The slightly longer commute might be a trade-off worth considering. While the average rent for a one-bedroom unit is the same in Portland, if you’re looking for a two-bedroom unit, the monthly rent is about $210 less than in Portland.
Gresham provides access to the stunning Mount Hood National Forest, offering hiking, camping, and a range of outdoor activities for nature enthusiasts. You can also explore the historic downtown area, known for its local shops, restaurants, and events, making it a great spot to immerse yourself in the town’s character and charm. If you’re looking to take the leap from renter to buyer, make sure to also check out the most affordable Portland suburbs to buy a home.
Methodology
Affordability is based on whether a suburb’s one and two-bedroom rent was less than Portland and under 20 miles from downtown Portland. Average rental data from Portland rental market trends on October 26, 2023. Population data sourced from the United States Census Bureau.
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With its unique mix of Midwestern and Southern culture, many flourishing industries and mouthwatering cuisine, Missouri stands as a captivating state in the heartland of the United States. But what is Missouri known for, even beyond the stereotypes?
From the iconic Gateway Arch in St. Louis to the enviable live entertainment scene in Branson, Missouri offers a diverse range of experiences for full-time residents and first-time visitors alike. In this in-depth exploration, we’ll delve into the thriving job market and industries, the allure of key attractions, the killer food culture, the state’s cultural norms and the popular forms of entertainment that make Missouri a truly exceptional place to call home.
What is Missouri known for?
Missouri calls out with a storied history that has shaped its identity and character. The Show-Me State, a nickname derived from the resilient skepticism of its residents, has been witness to many pivotal moments in American history. From its role as a gateway to the West during the era of westward expansion to the battlegrounds of the Civil War, Missouri’s past is woven into the fabric of the nation.
As we embark on a journey through the state’s present-day landscape, it’s essential to appreciate the historical circumstances that laid the foundation for its thriving industries and job markets. Join us as we explore Missouri’s rich heritage, discover the economic forces that drive its progress and unravel the surprisingly strong threads that bind its communities together.
Sports and entertainment
Missouri is home to passionate sports fans who rally behind their favorite teams. Baseball fans cheer for the St. Louis Cardinals, a storied franchise with a loyal following. On the football front, the Kansas City Chiefs, led by their fervent fan base, have become a powerhouse in the NFL and, thanks to star tight-end Travis Kelce’s recent relationship with Taylor Swift, pop culture as well.
College basketball takes center stage during the annual Missouri Valley Conference Basketball Tournament. Basketball enthusiasts gather to witness the intense competition as college teams vie for victory, adding to the state’s enthusiastic sports culture.
In the entertainment department, Missouri’s contribution to American music history is significant, particularly in jazz, blues and country. The state has produced legendary musicians like Chuck Berry, known as the “Father of Rock and Roll,” jazz trumpeter Miles Davis and singer-songwriter Sheryl Crow. The live music scene in cities like St. Louis and Kansas City continues to thrive, attracting local talent and international acts throughout the year.
Jobs and industries
Missouri’s economy is as varied as its topography, ranging from urban centers to rural expanses. The state hosts several major corporations that contribute significantly to job growth and economic prosperity.
St. Louis, a bustling metropolis on the banks of the Mississippi River, is home to industry giants like Anheuser-Busch, a global brewing company that traces its roots back to the mid-19th century. The city also hosts Express Scripts, a leading pharmacy benefits management company, and Emerson Electric, a multinational corporation specializing in technology and engineering.
In Kansas City, technology and healthcare are the two main driving forces behind economic growth. Companies like Cerner, a healthcare information technology company, and Garmin, a global leader in GPS technology, have established their headquarters here.
Natural resources
Missouri’s landscape is a testament to its rich natural resources, providing a foundation for both historical development and contemporary prosperity. The fertile soils of the Missouri River Valley foster a thriving agricultural industry, yielding bountiful harvests of soybeans, corn and wheat. Meanwhile, the Ozark Mountains contribute to the state’s economic opportunities with abundant timber resources, sustaining a solid forestry industry.
The state’s commitment to sustainable practices is evident in its utilization of water resources. The Missouri and Mississippi Rivers, along with numerous lakes, not only support agriculture but also facilitate trade and transportation. Furthermore, Missouri is at the forefront of renewable energy initiatives, tapping into wind and solar resources to create a balanced and eco-friendly energy portfolio.
Missouri’s natural resources stand as a dynamic force, blending tradition with innovation to drive economic growth while emphasizing the importance of responsible environmental stewardship.
Food
A cornerstone of Missouri’s barbecue tradition, St. Louis-style ribs are renowned for their distinctive flavor. These ribs are typically seasoned with a dry rub, slow-cooked to perfection and finished with a tangy barbecue sauce. Pappy’s Smokehouse in St. Louis is a local institution loved for its mouthwatering ribs, and attracting barbecue enthusiasts from far and wide.
St. Louis claims the invention of toasted ravioli, a delectable appetizer that has become a local favorite. These bite-sized pasta pockets, filled with meat or cheese, are breaded and deep-fried to a crispy perfection. Numerous restaurants across the state celebrate this St. Louis culinary creation, making it a must-try for visitors and a staple for locals.
Another St. Louis culinary gem, gooey butter cake is a delectable dessert that has found its way into the hearts of locals and tourists alike. This sweet treat is a dense, buttery cake topped with a decadent, sugary layer. Variations abound, with flavors like chocolate and pumpkin adding a delightful twist to this St. Louis classic.
Arts and literature
Missouri’s culture is bolstered by an array of artists and literary figures, reflecting the state’s rich heritage and creative spirit. The birthplace of literary luminary Mark Twain, Missouri has long been a muse for writers seeking inspiration in its scenic landscapes and storied history. Hannibal, Twain’s hometown along the banks of the Mississippi River, stands as a testament to the author’s influence, with the Mark Twain Boyhood Home and Museum preserving the legacy of one of America’s greatest literary minds.
Meanwhile, amidst the picturesque Ozark Mountains, Branson serves as a haven for enthusiasts of live entertainment. Earned the moniker “Live Music Show Capital of the World,” Branson is home to several theaters that put on a variety of performances, ranging from soul-stirring country music to Broadway-style shows.
The Ozarks’ scenic beauty forms a breathtaking backdrop, creating an immersive experience that seamlessly blends the allure of nature with the captivating world of live entertainment. In this harmonious fusion, Branson invites visitors to witness a symphony of talent against the stunning backdrop of the Ozark’s natural splendor.
Education and research
Missouri’s dedication to education is exemplified by its prestigious institutions of higher learning, including the University of Missouri system with campuses in Columbia, Kansas City, St. Louis and Rolla. These universities are catalysts for groundbreaking research across various disciplines. The flagship institution, the University of Missouri–Columbia, spearheads research initiatives in agriculture, medicine, engineering and journalism, contributing significantly to the state’s intellectual capital.
In the realm of research, Missouri remains at the forefront of advancements, with a focus on agricultural innovation, healthcare breakthroughs and collaborative efforts in technological advancements. These endeavors not only elevate Missouri’s status as a center for smart folks to unite but also position the state as a leader in fostering innovation and driving economic development.
Attractions
In St. Louis, the Gateway Arch dominates the skyline as a towering testament to architectural ingenuity and the spirit of westward expansion. Crafted by Eero Saarinen, this stainless steel masterpiece stands at an awe-inspiring height of 630 feet, offering panoramic views of the city and the meandering Mississippi River. Those seeking a journey through history can embark on a tram ride to the pinnacle, where the significance of this iconic structure comes to life.
For outdoorsy types, Missouri’s natural beauty cannot be overstated with hiking, fishing and camping all being popular pastimes. If you’re asking “What is Missouri known for?” the Ozarks are going to come up at some point. These iconic mountains provide a scenic backdrop for outdoor enthusiasts, offering opportunities for exploration and adventure under the shining Missouri sun.
Where tradition meets innovation
Missouri stands as a dynamic and multifaceted state, offering a wealth of experiences for residents and visitors alike. From the towering Gateway Arch to the lively theaters of Branson, from the rich flavors of St. Louis-style ribs to the warmth of Midwestern hospitality, Missouri’s allure lies in its ability to blend history, culture and innovation seamlessly.
As we wrap up our tour of the diverse landscapes and cultural landmarks of the Show-Me State, it becomes clear that Missouri is more than just a geographic location; it is a testament to the spirit of the heartland, where tradition and modernity coexist.
Missouri is waiting for you, with stunning apartments for rent, ready to weave you into the state’s unique cultural fabric. When you’re ready to start your search, start with Rent.
You can sense it in the ubiquitous “Help Wanted” posters in artsy shops and restaurants, in the ranks of university students living out of their cars and in the outsize percentage of locals camping on the streets.
This seaside county known for its windswept beauty and easy living is in the midst of one of the most serious housing crises anywhere in home-starved California. Santa Cruz County, home to a beloved surf break and a bohemian University of California campus, also claims the state’s highest rate of homelessness and, by one measure based on local incomes, its least affordable housing.
Leaders in the city of Santa Cruz have responded to this hardship in a land of plenty — and to new state laws demanding construction of more affordable housing — with a plan to build up rather than out.
A downtown long centered on quaint sycamore-lined Pacific Avenue has boomed with new construction in recent years. Shining glass and metal apartment complexes sprout in multiple locations, across a streetscape once dominated by 20th century classics like the Art Deco-inspired Palomar Inn apartments.
And the City Council and planning department envision building even bigger and higher, with high-rise apartments of up to 12 stories in the southern section of downtown that comes closest to the city’s boardwalk and the landmark wooden roller coaster known as the Giant Dipper.
“It’s on everybody’s lips now, this talk about our housing challenge,” said Don Lane, a former mayor and an activist for homeless people. “The old resistance to development is breaking down, at least among a lot of people.”
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Said current Mayor Fred Keeley, a former state assemblyman: “It’s not a question of ‘no growth’ anymore. It’s a question of where are you going to do this. You can spread it all over the city, or you can make the urban core more dense.”
But not everyone in famously tolerant Santa Cruz is going along. The high-rise push has spawned a backlash, exposing sharp divisions over growth and underscoring the complexities, even in a city known for its progressive politics, of trying to keep desirable communities affordable for the teachers, waiters, firefighters and store clerks who provide the bulk of services.
A group originally called Stop the Skyscrapers — now Housing for People — protests that a proposed city “housing element” needlessly clears the way for more apartments than state housing officials demand, while providing too few truly affordable units.
City officials say the plan they hope to finalize in the coming weeks, with its greater height limits, only creates a path for new construction. The intentions of individual property owners and the vicissitudes of the market will continue to make it challenging to build the 3,736 additional units the state has mandated for the city.
“We’ve talked to a lot of people, going door to door, and the feeling is it’s just too much, too fast,” said Frank Barron, a retired county planner and Housing for People co-founder. “The six- and seven-story buildings that they’re building now are already freaking people out. When they hear what [the city is] proposing now could go twice as high, they’re completely aghast.”
Susan Monheit, a former state water official and another Housing for People co-founder, calls 12-story buildings “completely out of the human scale,” adding: “It’s out of scale with Santa Cruz’s branding.”
Housing for People has gathered enough signatures to put a measure on the March 2024 ballot that, if approved, would require a vote of the people for development anywhere in the city that would exceed the zoning restrictions codified in the current general plan, which include a cap of roughly seven or eight stories downtown.
The activists say that they are trying to restore the voices of everyday Santa Cruzans and that city leaders are giving in to out-of-town builders and “developer overreach laws.”
The nascent campaign has generated spirited debate. Opponents contend the slow-growth measure would slam on the brakes, just as the city is overcoming decades of construction inertia. They say Santa Cruz should be a proud outlier in a long string of wealthy coastal cities that have defied the state’s push to add housing and bring down exorbitant home prices and rental costs.
Diana Alfaro, who works for a Santa Cruz development company, said many of the complaints about high-rise construction sound like veiled NIMBYism.
“We always hear, ‘I support affordable housing, but just not next to me. Not here. Not there. Not really anywhere,’ ” said Alfaro, an activist with the national political group YIMBY [Yes In My Back Yard] Action. “Is that really being inclusive?”
The dispute has divided Santa Cruz’s progressive political universe. What does it mean to be a “good liberal” on land-use issues in an era when UC Santa Cruz students commonly triple up in small rooms and Zillow reports a median rent of $3,425 that is higher than San Francisco’s?
Beginning in the 1970s, left-leaning students at the new UC campus helped power a slow-growth movement that limited construction across broad swaths of Santa Cruz County. Over the decades, the need for affordable housing was a recurring discussion. The county was a leader in requiring that builders who put up five units of housing or more set aside 15% of the units at below-market rates.
But Mayor Keeley said local officials gave only a “head nod” to the issue when it came to approving specific projects. “Well, here we are, 30 or 40 years later,” Keeley said, “and these communities are not affordable.”
Today, with 265,000 residents, the county is substantially wealthy and white.
An annual survey this year found Santa Cruz County pushed past San Francisco to be the least affordable rental market in the country, given income levels in both places. And many observers say UC Santa Cruz students contend with the toughest housing market of any college town in the state.
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State legislators have crafted dozens of laws in recent years to encourage construction of more homes, particularly apartments. While California has long required local governments to draft “housing elements” to demonstrate their commitment to affordable housing, state officials only recently passed other measures to actually push cities to put the plans into practice.
Regional government associations draw up a Regional Housing Needs Assessment, designating how many housing units — including affordable ones — should be built during an eight-year cycle. The state Department of Housing and Community Development can reject plans it deems inadequate.
For years 2024 to 2031, Santa Cruz was told it should build at least 3,736 units, on top of its existing 24,036.
Santa Cruz and other cities have been motivated, at least in part, by a heavy “stick”: In cases when cities fail to produce adequate housing plans, the state’s so-called “builder’s remedy” essentially allows developers to propose building whatever they want, provided some of the housing is set aside for low- or middle-income families. In cities like Santa Monica and La Cañada-Flintridge, builders have invoked the builder’s remedy to push ahead with large housing projects, over the objections of city leaders.
The Santa Cruz City Council resolved to avoid losing control of planning decisions. A key part of their plan envisions putting up to 1,800 units in a sleepy downtown neighborhood of auto shops, stores and low-rise apartments south of Laurel Street. Initial concepts suggested one block could go as high as 175 feet (roughly 16 stories), but council members later proposed a 12-story height limit, substantially taller than the stately eight-story Palomar, which remains the city’s tallest building.
City planners say focusing growth in the downtown neighborhood makes sense, because bus lines converge there at a transit center and residents can walk to shops and services.
“The demand for housing is not going away,” said Lee Butler, the city’s director of planning and community development, “and this means we will have less development pressure in other areas of the city and county, where it is less sustainable to grow.”
A public survey found support for a variety of other proposed improvements to make the downtown more attractive to walkers, bikers and tourists. Among other features, the plan would concentrate new restaurants and shops around the San Lorenzo River Walk; replace the fabric-topped 2,400-seat Kaiser Permanente Arena, which hosts the Santa Cruz Warriors (the G-league affiliate of the NBA’s Golden State Warriors), with a bigger entertainment and sports venue; and better connect downtown with the beach and boardwalk.
Business owners say they favor the housing plan for a couple of reasons: They hope new residents will bring new commerce, and they want some of the affordable apartments to go to their workers, who frequently commute well over an hour from places such as Gilroy and Salinas.
Restaurateur Zach Davis called the high cost of housing “the No. 1 factor” that led to the 2018 closure of Assembly, a popular farm-to-table restaurant he co-owned.
“How do we keep our community intact, if the people who make it all happen, the workers who make Santa Cruz what it is, can’t afford to live here anymore?” Davis asked.
The city’s plan indicates that 859 of the units built over the next eight years will be for “very low income” families. But the term is relative, tied to a community’s median income, which in Santa Cruz is $132,800 for a family of four. Families bringing home between $58,000 and $82,000 would qualify as very low income. Tenants in that bracket would pay $1,800 a month for a three-bedroom apartment in one recently completed complex, built under the city’s requirement that 20% of units be rented for below-market rents.
The people pushing for high-rise development say expanding the housing supply will stem ever-rising rents. Opponents counter that the continued growth of UC Santa Cruz, which hopes to add 8,500 students by 2040, and a new surge of highly paid Silicon Valley “tech bros” looking to put down roots in beachy Santa Cruz would quickly gobble up whatever number of new units are built.
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“They say that if you just build more housing, the prices will come down. Which is, of course, not true,” said Gary Patton, a former county supervisor and an original leader in the slow-growth movement. “So we’ll have lots more housing, with lots more traffic, less parking, more neighborhood impacts and more rich people moving into Santa Cruz.”
Leaders on Santa Cruz’s political left say new construction only touches one aspect of the housing crisis. Some of the leaders of Tenant Sanctuary, a renters’ rights group, would like to see Santa Cruz tamp down rents by creating complexes owned by the state or cooperatives and enacting a rent control law capping annual increases.
“No matter what they build, we need housing where the price is not tied to market swings and how much money can be squeezed out of a given area of land,” said Zav Hershfield, a board member for the group.
The up-zoning of downtown parcels has won the support of much of the city’s establishment, including the county Chamber of Commerce, whose chief executive said exorbitant housing prices are excluding blue-collar workers and even some well-paid professionals. “The question is, do you want a lively, vital, economically thriving community?” said Casey Beyer, CEO of the business group. “Or do you want to be a sleepy retirement community?”
Just days after the anti-high-rise measure qualified for the March ballot, the two sides began bickering over what impact it would have.
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Lane, the former mayor, and two affordable housing developers wrote an op-ed for the Lookout Santa Cruz news site that said the ballot measure is crafted so broadly it would apply to all “development projects.” They contend that could trigger the need for citywide votes for projects as modest as raising a fence from 6 feet to 7 feet, adding an ADU to a residential property or building a shelter for the homeless, if the projects exceed current practices in a given neighborhood.
The authors accused ballot measure proponents of faux environmentalism. “If we don’t go up,” they wrote, “we have less housing near jobs — and more people driving longer distances to get to work.”
The ballot measure proponents countered that their critics were misrepresenting facts. They said the measure would not necessitate voter approval for mundane improvements and would come into play in relatively few circumstances, for projects that require amendments to the city’s General Plan.
While not staking out a formal position on the ballot measure, the city’s planning staff has concluded the measure could force citizen votes for relatively modest construction projects.
The two sides also can’t agree on the impact of a second provision of the ballot measure. It would increase from 20% to 25% the percentage of “inclusionary” (below-market-rate) units that developers would have to include in complexes of 30 units or more.
The ballot measure writers say such an increase signals their intent to assure that as much new housing as possible goes to the less affluent. But their opponents say that when cities try to force developers to include too many sub-market apartments, the builders end up walking away.
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Santa Cruz’s housing inventory shows that the city has the potential to add as many as 8,364 units in the next eight years, when factoring in proposals such as the downtown high-rises and UC Santa Cruz’s plan to add about 1,200 units of student housing. That’s more than double the number required by the state. But the Department of Housing and Community Development requires this sort of “buffer,” because the reality is that many properties zoned for denser housing won’t get developed during the eight-year cycle.
As with many aspects of the downtown up-zoning, the two sides are at odds over whether incorporating the potential for extra development amounts to judicious planning or developer-friendly overkill.
The city’s voters have rejected housing-related measures three times in recent years. In 2018, they decisively turned down a rent control proposal. Last year, they said no to taxing owners who leave homes in the community sitting empty. But they also rejected a measure that would have blocked a plan to relocate the city’s central library while also building 124 below-market-rate apartment units.
The last time locals got this worked up about their downtown may have been at the start of the new millennium, when the City Council considered cracking down on street performers. That prompted the owner of Bookshop Santa Cruz, another local landmark, to print T-shirts and bumper stickers entreating fellow residents to “Keep Santa Cruz Weird.”
Santa Cruzans once again are being asked to consider the look and feel of their downtown and whether its future should be left to the City Council, or voters themselves. The measure provokes myriad questions, including these: Can funky, earnest, compassionate Santa Cruz remain that way, even with high-rise apartments? And, with so little housing for students and working folks, has it already lost its charm?
We all disagree with people. The key to living peacefully and keeping a close community around you is knowing how to have empathy, listen well, and disagree respectfully. And with most divisive topics, there’s a way to find some empathy or understanding. But from time to time, we all encounter some viewpoint or dogma we just don’t understand and can’t find any sympathy with. Below, we’ll explore 20 different stances from various areas of life that many people simply do not have any understanding or empathy for.
1. Being Smug About Not Understanding a Topic
One user shared, “I can’t deal with people who are smug about not understanding something.”
Another user replied, “I once was having a late BBQ with my neighbour; I watched a satellite go by with their 9-year-old daughter. At one point, the satellite just disappeared in the middle of the sky because it reached the earth’s shadow and couldn’t reflect the sun anymore.
“So the little girl asked me, ‘Did it die? Why did it disappear?’ I then proceeded to explain it to her, but she couldn’t really understand. So I said, ‘let me grab a piece of paper and do a little drawing to show you.’
“Her mom immediately intervened, angry. ‘NO, we’re having fun. We’re not here to learn!’ It’s still one of the stupidest things I’ve ever heard.”
2. Influencers Who Exploit Their Kids
“Social media influencers who exploit the f- out of their kids,” shared one user.
Another user responded, “That YouTube mom who made her kid pose to look sad while he was actually crying for real because his dog died. He kept saying, ‘No, Mom, I’m actually crying,’ and she said, ‘I know.’ She accidentally posted her video, forgetting to cut that part. Serves her right. She is garbage.
“EDIT: It looks like the dog did not die (thankfully.) BUT she is still garbage because the dog was very sick, and the child was clearly emotional over it, so she took advantage instead of giving him real comfort.”
3. Saying You’re Blunt Just So You Can Be Rude
One user posted, “Saying you’re blunt, but you’re actually just openly being an a-hole.”
Another user shared, “A server that we all hated once said, ‘They don’t want to deal with a bad b- like me.’ A fellow cook shouted through the window, ‘No, you’re just a b-. Stop making excuses.’”
4. YouTube “Prank” Channels
One user stated, “Youtube “prank” channels. The ones that bully McDonald’s employees for views.”
5. When People Won’t Consider Evidence
“When someone staunchly refuses to believe something even after you’ve provided them with copious amounts of evidence from numerous credible sources to prove what you’ve just told them,” one user commented. A user shared, “It is easier to fool a man than it is to convince a man he’s been fooled.”
6. Dogfighting
One Redditor commented, “Dog fighting.”
One user added, “I hate it when I’m enjoying my day and like 30 biplanes start an air battle above me.”
7. Well, This Is Who I Am
One user posted, “Well, this is who I am.” Excuses. You can change some aspects of yourself to be better.”
8. Mean People Getting Offended When Somebody Stands up to Them
“When people are mean, and you’re mean back and they don’t understand why,” one user posted.
Another user replied, “One of my exes got enjoyment from being mean to me because of how I’d react. When I finally reached my limit and snapped right back at him with home truths about what a [horrible person] he was to me and several others, he cried to a mutual friend that I was bullying him.”
9. Flat Earthers
One commenter added, “Flat earthers. Y’all just dumb.”
One user posted, “Especially those who complain about people thinking they’re dumb. But they ARE dumb.”
10. Being Smug About Disliking Something You’ve Never Tried
One user stated, “People who are smug of disliking something they’ve never tried and make it a personality trait.
“edit: I’m talking about mundane things to have such a strong stance and pride in not liking despite never trying. Like a TV show or camping. Obviously not murder, didn’t think I needed to spell that one out.”
11. People Misusing Big Words
“People who misuse big words. Does anyone else photosynthesize with me?” mentioned one user.
Another user replied, “Absinthe makes the heart grow fonder.”
12. Being Intolerant of Other Cultures
One user stated, “There are only two things I can’t stand in this world: People who are intolerant of other people’s cultures and the Dutch.”
13. People Who Blame Victims
“People who blame victims for their own abuse. It’s abuse for a reason. It isn’t easy for someone who has been badly manipulated and hurt to leave that person. It isn’t always financially feasible for them to leave either.
“Yes, I do feel awful if kids are involved. I just hate seeing people be hurt and mistreated in any way. But I just want to clarify that I know this world is so cruel and judgmental. I also understand that some people say they want others to leave those people but don’t help them after that,” a user stated.
14. Saying “It’s Just the Way It Is”
One Redditor posted, “It’s just the way it is,” is a phrase that I hate. There is never an explanation nor a solution.”
15. Being Rude to Retail Workers
“Being rude to retail workers for little to no reason. Like bro, some of these people are making barely over minimum wage. What will your yelling and verbal attacks do to help you and them? Plus, anyone is much more likely to help a polite person than someone unreasonably screaming at them,” one user shared.
16. People Who Make Excuses for Not Taking Care of Their Children
A user shared, “People who make excuses for not caring for their children properly. I hand-washed my child’s clothes in the bathtub and walked my a- to work when I was a single, poor mother. Not to mention the resources available nowadays that also help. There really is just no excuse.”
17. People Spending Their Life Savings on Social Media Celebrities
One Redditor shared, “People trying to give their life savings to big streamers/YouTubers … etc.
“They’re literally donating their life savings to multimillionaires just to get an ‘oh thanks’ and then be forgotten about a minute later.”
18. The Idea That Some Full-Time Jobs Don’t Deserve a Living Wage
One Commenter added to the thread, “That some full-time jobs don’t deserve a living wage.”
19. People That Don’t Believe in Free School Lunches
“People that don’t believe in free school lunches. There is no good person that thinks kids should go hungry,” one Redditor posted.
20. Pick Yourself up by Your Bootstraps
One Redditor stated, “People that just wait to say, ‘Pick yourself up from your bootstraps.’ Also, Rich people beg average paycheck-to-paycheck people to donate to their charity so they can pocket 80% in ‘administration fees.’
What do you think of the stances listed above? Share your thoughts with us below!
Source: Reddit.
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In this episode of NerdWallet’s Smart Money Podcast, hosts Sean Pyles and Sara Rathner share the best money moves of 2023 as submitted by their fellow colleagues. Some of the highlights include saving aggressively to prepare for future expenses, getting rid of private mortgage insurance, automating finances for budgeting and planning, setting up 529 college savings plans for children, shopping around for the best mortgage rates, and understanding the difference between an emergency fund and a rainy day fund.
Check out this episode on your favorite podcast platform, including:
Episode transcript
This transcript was generated from podcast audio by an AI tool.
Sean Pyles:
If you’re a loyal fan of the show, it’s possible you stay until the very end of each episode and if you do, you always hear us say, “Until next time, turn to the Nerds.” Well, today, dear listener, we are turning the show over to the Nerds. We present the best money moves of 2023 by our fellow Nerds.
Amy Knight:
This year I learned how to explain the effect of compounding using a lovely seasonal analogy, snow. You think of your money like snow. When you spend it, it melts and runs away, but when you save it, any new snowfall sticks to the snow that’s already there.
Sean Pyles:
Welcome to NerdWallet’s Smart Money Podcast. I’m Sean Pyles.
Sara Rathner:
I’m Sara Rathner.
Sean Pyles:
This episode finishes off our Nerdy deep dive into the end of 2023. This is it, Sara, the finale of our last series of the year.
Sara Rathner:
The piece de resistance.
Sean Pyles:
Yes. We sent a notice out calling all Nerds, asking for the best things our colleagues did with their money in 2023, and I mean all Nerds, IT, HR, everybody, even the corner office, and today we’re going to share their money wins.
Sara Rathner:
I love this. Before we start, you and I are Nerds, too, right, Sean? Should we start with our money wins for 2023?
Sean Pyles:
I think we should. Sara, give us yours.
Sara Rathner:
Yeah. This sounds like a weird money win, but I have said, on the show before, one of the pieces of advice that I got when I was younger was to save as aggressively as you can for as long as you can because your life will get more complicated as you get older. Well, I have reached the point where my life is complicated and expensive, and I will say that because I had spent those years putting money away as best I could, I had money on hand to do the things that I needed to do this year.
There were some unexpected repairs to our house that we had to do. We ended up replacing our car because we had a baby, and that was probably one of the most expensive things I did in 2023 was pay all those hospital bills, and now I’m paying daycare bills, so this kid will cost me money until he’s 35 and then maybe he’ll be independent by then. We’ll know.
Sean Pyles:
They say you reap what you sow. You had been sowing savings for years and years, and now you are seeing the benefits of that, which is great.
Sara Rathner:
Yeah. What it has allowed us to do, and by us, I mean I say my husband and I, is say yes to the things we need and know that we have the money on hand. That’s really nice when something in your house breaks or there’s something that you want to do like travel or a night out with friends that’s going to cost a lot of money. We can say yes to the things that mean something to us because we spent so long just pocketing and putting money away, living as well below our means as we could. Now, I think we’re living at our means, which is nice.
Sean, what about you? What is your money win for 2023?
Sean Pyles:
Well, it’s a little Nerdy and a little in the weeds maybe, but I got rid of my private mortgage insurance on my house after going into war with the bank that owns my mortgage. It was not a fun process, but I came out the victor, and I’m so proud of myself for that because the bank that owns my mortgage is not very nice. That’s my money win for 2023.
Sara Rathner:
I’m surprised you had to go to war. Isn’t it just like, once you hit 20% equity, you have to refinance, or how does that work?
Sean Pyles:
Oh, yes, they barraged me with a mountain of paperwork and time delays and bureaucratic processes that I actually detailed in a Money Hot Takes episode of Smart Money. I think that you were out on maternity leave, Sara.
Sara Rathner:
Sean Pyles:
Will do. Okay. Great. Well, before we get into the Nerd’s best money moves of 2023, a reminder, dear listener, that we always love hearing from you. Leave us a voicemail or text the Nerd hotline at 901-730-6373, that’s 901-730 N-E-R-D, or email a voice memo to [email protected].
All right. Sara, are you ready to hear from our Nerdy colleagues about their best money moves of 2023?
Sara Rathner:
I am. Let’s see what they all learned this year and maybe we could take some of that advice and apply to our own finances.
Sean Pyles:
Yeah. I mean, that’s the idea, so let’s start with the boss. Tim Chen is the founder and CEO of NerdWallet, and he did an energy efficient move this year.
I switched from a Mercedes SUV to a Toyota Sienna. I’m getting twice the gas mileage. I’m using the cheap gas, and I’m paying about a 10th as much every time I service the car.
Sara Rathner:
Well, Sean, it is so true that you really save money on servicing when you don’t have a luxury car. Just getting a new battery or oil filter can be less expensive.
Sean Pyles:
Sara Rathner:
Yeah, new to me, and it’s a hybrid, so the mileage is pretty sweet.
Sean Pyles:
Nice. All right. Well, let’s hear from another Nerd. Skylar Damiano is an IT administrator here at NerdWallet.
Skylar Damiano:
My partner and I are accelerating our marriage to the end of this year because it’ll save us a ton of money in the long run via tax benefits. These are things that we just never thought about when we were single or, even in our case as queer people who never really thought about marriage beyond our domestic partnership, but I’ve also learned that I will never stop learning about the financial world around me. I can’t possibly know everything related to financial wellbeing, but the more I research and the more I practice good habits, the more likely I am to carry those good habits into the future.
One that stuck with me from last year is not spending beyond my means. I now wait until I have funds available before I make a purchase like a new smartphone or a new toy or a hobby that I want to get into. In this case, I want to become a DJ in the next year. I’m not spending any money on that equipment though until I for sure have enough to save on it, because if I have the option to not rely on credit, but instead use my credit card to my advantage via cashback, it’s far more rewarding for me down the line.
Sean Pyles:
Sara, waiting until you have enough money to actually purchase something you want is a timeless piece of financial advice, one of the most basic and most important.
Also, Skylar, I would love to hear a DJ set when you are up and running with your equipment.
Sara Rathner:
This is near and dear to my heart, but utilizing a credit card for points or cashback instead of carrying a balance, that is chef’s kiss. And Skylar wasn’t the only Nerd highlighting this idea. Here’s Tom Lehmann, an account executive for NerdWallet.
Tom Lehmann:
The best piece of financial advice I would have to say is live well below your means. What a lot of people do is, over the course of their career, they tend to make more money, and when that happens, they tend to buy more stuff. They buy a cooler car, bigger house, more clothes, everything. I call that the lifestyle tax. If you really want to take control of your finances, what you have to do is you have to increase the gap between how much you make and what your expenses are.
I think making more money will naturally happen to a lot of people as they progress in their career, so I think the real key is figuring out where you could cut costs and be minimalistic about everything in your life. Just getting rid of stuff and getting out of the habit of buying stupid stuff every time. Every time you buy one thing, you’ve got to get rid of two in your house. That’s a great way to start.
Sara Rathner:
Sean, I think a lot of us often take the opportunity at the end of the year or the start of a new one to get rid of stupid stuff. The harder part is Tom’s advice to get out of the habit of buying stupid stuff in the first place.
Sean Pyles:
Yeah, preaching to the choir, Sara, because I’m sure that I have some stupid stuff on the way to my front door as we speak. All right. Well, let’s hear now from Sally French. She’s a travel writer here, and she’s been on the show before. Here is her takeaway from 2023.
Sally French:
My biggest money lesson is to always ask if your travels go wrong. I was caught up in the United meltdown as well as I had a canceled Southwest flight, and even though I was able to get another flight, I was still delayed. While I wasn’t entitled to any compensation officially, I still asked the airline customer service and I asked nicely, and in both instances, I got either a flight credit or miles from the airline. Even if your travels are disrupted, even if you’re not entitled to compensation, it doesn’t hurt to ask, because like I did, I was able to get some money back.
Sara Rathner:
Love it. Always ask. What do you have to lose? All they can say is no and you’re on your way, or not and you’re stuck at the airport indefinitely, but you could still ask.
Sean Pyles:
Yeah. You’re hopefully on your way unless your flight is canceled twice, but yes, it’s always worth asking. Next up, we have Kevin Berry. He leads multimedia content here at NerdWallet and happens to be my direct boss. You’ve heard his name in the credits of this show as a fact-checker and editor.
Kevin Berry:
I think my big money takeaway from 2023 is that automation of your money can be really, really valuable and super helpful when it comes to budgeting and planning. I spend, whatever, an hour every January looking at everything and the money coming into my checking account, and I had set up all these automated like, “Send this money here. Send this money to an investment account. Send this money to a savings account,” and just set it and forgot about it and let it do its thing this year, and then that has really come back to help me.
For example, the property tax bill showed up, and I was like, “Whoa, it went up, it’s thousands and thousands of dollars,” but then I went to my account that I’d set up for automated savings for property taxes because I knew this bill was coming, right? Kevin in January knew Kevin in November had to pay this bill, and lo and behold, the math held up and there was the right amount of money there, and that just took a lot of stress out of it. Yeah, I think my money lesson is invest in automation for things that you know you’re going to need to pay for or want to pay for, even like a vacation. That’s just been a real stress reliever and time saver on my end in 2023.
Sara Rathner:
Oh, man, Sean, automation can absolutely save your sanity. I have quite a few automated contributions in my own finances. A big one, two big ones, is I automate contributions for my largest expenses, which are my mortgage and daycare, and that comes out of my checking account into a joint savings account. My husband also contributes, and then the money is whisked away by an automatic clearing house once a month or once every other week, depending on the bill.
Sean Pyles:
Lovely. You just need to make sure that the money is actually automatically going into that checking account so it can then be paid elsewhere.
Sara Rathner:
Then there’s automation, obviously, into my retirement account, my 401(k) that I set up at work. If you work for a place where you have to opt into the 401(k) when you first start your job, do it. Because the longer you wait to get that started, the less money you’re able to save up, and you might even be missing out on employer match. If you’re starting a new job or if you have been in your job for a while, but you just haven’t bothered to set up your retirement accounts yet through your employer, maybe make this the year you do that.
Sean Pyles:
Absolutely. Well, I think I’m going to take a page out of Kevin’s book and set up automated deposits into an account for my car’s annual registration, because every year, June Sean curses every-other-month-of-the-year Sean for not saving up for that in advance. Okay. Our next piece of advice is from Hannah Cho. She’s our Nerdy vice president of content.
Hanah Cho:
This year, I’m really proud of finally sending up 529 college saving plans for my two kids. I have three kids, and I have one set up for my oldest, and I finally got around to setting up two for my youngest. I’m really trying to lean into taking advantage of time. They’re still very young where I still have probably 10 to 12 years before they head off to college.
Sean Pyles:
Yes. All of those years of investing and compounding will work wonders. Sara, I know you just had your baby like five minutes ago, but have you set up a 529?
Sara Rathner:
I have, so by the time my kid is 18, he’ll either be well on his way to college or he’ll be fighting in the climate war of 2041.
Sean Pyles:
That’s grim, but probably not inaccurate.
Sara Rathner:
It’s grim, but I want to set him up for a realistic life.
Sean Pyles:
Right. He’ll be able to buy plenty of munitions on the battlefield.
Sara Rathner:
Sean Pyles:
Well, Sara, you weren’t the only Nerd to procreate this year. Adam Smith did as well, and he’s all over the 529 planning.
Adam Smith:
In 2023, my wife and I actually had twin boys, and the first thing that came up once I heard that was knowing that I’ve got to pay for potentially two college educations at the same time, so another thing that crossed my mind was what if one of them goes to college and the other one doesn’t, or what if neither of them go to college? What’s the best way to approach this? We actually found that there’s a change to the 529 plan, which is how a lot of people save for their child’s college education, and so should your child or if one of our twins or both of them decide not to go to college in the future, you can actually roll the 529 plan into a Roth IRA, and the beneficiary of the 529 plan now becomes the owner of that Roth IRA. Traditional Roth IRA rules apply when transferring ownership, but, that being said, it’s a great savings vehicle for college planning or setting up a nice little nest egg for my twins in the future.
Sean Pyles:
You know what, Sara? I love that Adam knows that there are options for his kids, college or no college.
Sara Rathner:
Yes, and this is a huge way to get your kids started on their financial lives regardless of what they do after high school.
Sean Pyles:
All right. Up next is Alison McCoy, VP of brand marketing at NerdWallet.
Alison McCoy:
My husband and I, we’ve officially begun our home-buying process, and one of the best things we did this year was shop around for the best mortgage. I was pretty surprised at the options out there even in this high interest rate environment and feel really confident that we found the right option for us, that makes sure we’re not leaving any money on the table.
Sara Rathner:
Yes, always shop around for just about anything, but especially mortgage rates especially now.
Sean Pyles:
As Alison knows, we have a lot of mortgage and home buying information all over NerdWallet. We have a whole team devoted to that subject matter, and Abby Badach Doyle is a member of that team. Here’s her best money move of 2023.
Abby Badach Doyle:
This year, I learned the difference between an emergency fund and a rainy day fund. People use those terms interchangeably. I know I sure did, so I never really thought about it, but they’re actually two pretty different things. An emergency fund is for big major surprise expenses like major unexpected car repairs, new carburetor, and a rainy day fund is to help you pay for those things that aren’t necessarily emergencies, but are still outside of the scope of your typical monthly budget, like “Wow, the car is dirty after this camping trip. Can we please pay someone to do a deep clean and a full detail?”
Anyway, in our savings account, we’ve always used named sub-accounts for goals like holiday shopping and travel, but then we had this amorphous blob of money that I always felt so weird and guilty tapping into. Even though we’re disciplined savers and there was always enough there, it always just felt weird. This year, I split the blob into separate rainy day and emergency fund accounts, and that took away all of the stress and weirdness. Mentally, it was so helpful to not feel bad about spending money that I knew that we needed to spend on stuff that we knew was coming and to know that we’re still on track with our emergency savings for the bigger, unexpected stuff.
If you haven’t tried naming sub-accounts yet, I highly recommend it, and review the names often to make sure that they’re still working for you. If you need to set a savings goal for your emergency fund, try using an online calculator. NerdWallet, of course, has a great one. And then name that and separate it from your rainy day fund and from the rest of your other savings goals. That might be a small thing, but it was super helpful to me this year, and I hope that it helps you, too.
Sean Pyles:
Sara Rathner:
Sean Pyles:
Sara Rathner:
Sean Pyles:
I feel like we should do a chest bump or a high five after that. Anyway, Sara, do you have an amorphous blob of money that you feel weird and guilty tapping into?
Sara Rathner:
Always with the guilt, but the blob of money is divided into several smaller sub-blobs in the form of a few accounts with different purposes, and that helps me stay organized when it comes to deciding which accounts to use when I need to fund something.
Sean Pyles:
Love it. I mean, it’s no secret to devoted Smart Money listeners that I have many sub-blob accounts that I use on a daily basis. Also, nice call out to our NerdWallet calculators. Okay. On to our final Nerdy piece of advice.
Sara Rathner:
Already? That was fast.
Sean Pyles:
I know. Well, the good news is, Sara, that we’re always here, all of us, all of us Nerds, and we are here for you and our listeners. Our final guest is Amy Knight. She is a spokesperson for NerdWallet UK, and she has a money lesson to share about compound interest and the beauty of snowfall.
Amy Knight:
I have a money lesson to share about compound interest. This year, I learned how to explain the effect of compounding using a lovely seasonal analogy, snow. I think this is a great way to think about saving, and it can be helpful when you’re trying to start taking a longer-term view of your finances.
The lesson is this. You think of your money like snow. When you spend it, it melts and runs away, but when you save it, any new snowfall sticks to the snow that’s already there. New snowfall is your wages, maybe a bonus or holiday gift, an inheritance, maybe you sold an asset. Importantly, snow falls as interest. If you’re not actively saving, new snowfall is not going to stick. It’s going to melt and run straight out of your account.
We see in real life that fresh snow sticks a lot more when there’s already snow on the ground. I’m going to give a shoutout here to my friend Kim in Wisconsin who will soon be shoveling her driveway every day. You start with a thin layer, and as more snow falls, it builds up, and this is very like compounding. Gradually, your snow pile of savings compounds, and the bigger it gets, the more interest sticks to your money. As you watch it grow, you may be less tempted to melt the whole lot on an impulse purchase.
I’d love to know what you think of this analogy, Sean? This winter, if you are able to leave just a little savings in your account after the holidays, think of it like leaving a thin layer of snow on the ground ready for 2024’s snowfall to stick to. Don’t forget the Nerds can help you understand more about saving and investing. To discover how different financial products could work for you, just head to the personal finance section on NerdWallet.com.
Sara Rathner:
Well, that was lovely and spoken like a true spokesperson.
Sean Pyles:
Gotta love the plug. She does that for a living. I also really like this idea of snow as a metaphor for saving and compounding. Not only is it accurate, it’s also very soothing.
Sara Rathner:
Well, I’m closing my eyes here in Virginia, waiting for maybe a snowfall this year that, within minutes, will turn all black and sooty, if we even get snow at all because last year we didn’t.
Sean Pyles:
I’m hoping we get at least a little bit here in the Pacific Northwest. And also, shoutout to Kim in Wisconsin.
All right, and that’s a wrap on our year-end special series for 2023, but never fear, we’ll be back next year. In the meantime, if you have a money question of your own, turn to the Nerds and call or text us your questions at 901-730-6373. That’s 901-730 N-E-R-D. You can also email us at [email protected]. Visit nerdwallet.com/podcast for more info on this episode, and remember to follow, rate and review us wherever you’re getting this podcast.
Sara Rathner:
This episode was produced by Tess Vigeland. Sean helps with editing. Kaely Monahan mixed our audio, and a big thank you to NerdWallet editors for all of their help.
Sean Pyles:
Here’s our brief disclaimer. We are not financial or investment advisors. This Nerdy info is provided for general educational and entertainment purposes and may not apply to your specific circumstances.
Sara Rathner:
With that said, until next time, turn to the Nerds, and Happy New Year.
The discounts reflected in these deals may no longer be available.
If you like shopping at Walmart for convenience and low prices, you’ll find a lot to love about the Cyber Monday deals from the largest retailer in the U.S. On sale now are items for your kitchen, bathroom and wardrobe as well as entertaining helpers and plenty of gift ideas. Keep browsing sales in our guide to Target’s sale as well our big list of sale items from popular retailers and brands.
For early access to Walmart deals that start on Nov. 22, consider joining Walmart+. The paid membership will enable you to shop the retailer’s deals six hours before nonmembers—and potentially before popular products sell out (our writer’s favorite home power station is one of those deals). Members also gets free shipping, Paramount+ video streaming, savings on gas and other perks.
Home
Walmart has items for your home on sale now, from a carpet cleaner that one of our staffers recently purchased to a Lodge Dutch oven that made our best-list after extensive testing. If you’ve recently lost power at your home or want extra power when you go camping, Walmart’s price on the EcoFlow Delta is impressive. And now is definitely the time to pick up a Dyson cordless vac: These are down to near the lowest price we’ve ever seen.
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Barbie
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Electronics
Markdowns on tech are common during Walmart’s Cyber Monday sales and this year is no exception. See great prices on trusted brands including Apple, Samsung, Sony and more. You can find additional buys in our dedicated tech deals guide.
Anker
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Clothes, accessories and shoes
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WRANGLER
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The advice, recommendations or rankings expressed in this article are those of the Buy Side from WSJ editorial team, and have not been reviewed or endorsed by our commercial partners.
Heading out on a vacation can be an exhilarating experience, especially if you’re into adventure activities. However, with increased adrenaline comes increased danger — and decreased coverage from insurance companies.
Being protected in an emergency is valuable when you’re doing something risky, so we’ve gathered some of the best adventure travel insurance policies.
Factors we considered when picking adventure sports travel insurance companies
You’ll want to consider the following facets of travel insurance during a comparison:
Cost. We looked for a mix of affordability and comprehensive coverage.
Types of coverage. Extreme sports insurance isn’t usually included with standard travel insurance, which is why we’ve made sure it’s included.
Coverage amounts. Being underinsured is almost as bad as having no insurance at all.
Customizability. Plans that can be customized offer more flexibility for travelers.
An overview of the best adventure travel insurance
To determine the best extreme sports insurance, we gathered quotes from various companies using insurance aggregator SquareMouth. To do so, we input a sample trip of a 33-year-old from Colorado traveling to New Zealand for two weeks. The total trip cost was $3,400, and activities included hiking and camping.
SquareMouth came back with 16 policies offering varying levels of coverage. Among the six we chose as the best, the average cost totaled $147.18 — though you’ll find significantly lower and higher on this list. Here are our picks.
Basic coverage cost
Recommended for
Battleface: Discovery Plan
Discounted but comprehensive medical coverage.
Travelex: Travel Select
Trip protections and medical insurance.
Tin Leg: Adventure
Extreme adventure sports.
IMG: iTravelInsured Travel SE
Lower-than-average cost with full travel protections.
John Hancock: Silver
Superior trip coverage such as change fee and missed connection reimbursement.
HTH Worldwide: TripProtector Preferred
Huge limits for primary medical coverage.
Top adventure travel insurance options
Let’s take a closer look at our top six recommendations for adventure travel insurance.
Battleface
What makes Battleface adventure insurance great:
Much lower cost than other options.
Provides primary health insurance.
Includes six customizing options.
Battleface is known for its adventure sports travel insurance, which makes it much more compelling than other products. Even at less than half the cost for other options, Battleface is providing you $100,000 in primary health insurance, $500,000 for medical evacuation and even coverage for pre-existing conditions.
Although its basic plan lacks features like lost luggage reimbursement, you’ll still get standard trip protections such as trip cancellation and employment layoff coverage. The extremely low cost may make this an enticing option for backpacker travel insurance or anyone wishing to save money on their travels.
Travelex
What makes Travelex great:
Strong travel protections.
$50,000 in primary medical insurance.
Coverage for medical quarantine included.
“Travelex’s primary goal is to provide travel insurance protection personalized to the type of trip you’re taking and the style of traveler you are. And regardless of which plan you choose, you’ll always have 24/7 access to travel assistance.”
Tin Leg
What makes Tin Leg great:
Coverage for activities such as bungee jumping and skydiving.
No medical deductible.
Strong trip protections.
“The Adventure Plan … features primary medical coverage and work-related cancellations, plus more lost luggage insurance than the Luxury plan, coverage for accidental death and dismemberment during the trip (excluding flights) and extra coverage for delayed sports equipment. It’s also the only plan that offers medical coverage for adventure activities like mountain biking.”
IMG
What makes IMG great:
Up to $300 in reimbursed kennel fees for delays in returning home.
Comprehensive trip protections, including trip delay and trip interruption reimbursement.
Lower-than-average cost.
“Some policies provide emergency medical evacuation coverage, while others skip this benefit entirely. This benefit may be more important if you travel to a remote location or engage in physical activity such as trekking.
“More comprehensive plans may include other benefits such as assistance with acquiring a new passport, reimbursing reward mile redeposit fees or coverage for pre-existing conditions. If these are something you’re interested in, be sure to check that your policy includes these options.”
John Hancock
What makes John Hancock great:
Trip delay reimbursement after three hours.
No medical deductible.
$750 reimbursement for missed connections.
“The Gold plan provides the greatest benefits, including a much higher limit for emergency medical and lost baggage reimbursement. Other than that, however, the Silver level is fairly similar, enjoying the same 150% reimbursement rate for trip interruption and a three-hour window for trip delay to kick in.
“The Bronze level is the least expensive, but it’s not all that far off from the cost of the Silver level. At this rate, you’ll be looking at far less coverage for emergency medical and trip delay, though you’ll still have $200 in coverage for change fees and 100% of costs incurred for trip cancellation.”
HTH Travel Insurance
What makes HTH Travel Insurance great:
$500,000 in primary medical coverage.
$1 million in medical evacuation.
High-limit travel protections.
“HTH offers several types of travel medical insurance, as well as trip protection plans that include coverage for trip cancellation or interruption, baggage delays, and accident or sickness. … The cheapest plan … included 100% of the trip cost in case of cancellation, up to 150% of the trip cost in case of trip interruption and a variety of other benefits, including medical insurance coverage.”
What does travel insurance cover?
You’ll find a wide variety of coverage types offered by travel insurance policies. This is true whether you’re purchasing a single-trip or annual travel insurance plan.
Common types of travel insurance
How to choose the best adventure travel insurance policy
Travel insurance can be good to have while you’re away from home and can provide coverage when your plans go awry. Standard plans will generally include coverage for trip interruption, lost luggage and emergency medical situations.
However, they also usually include a provision excluding adventure sports from their policies, so it’s important to read over your plan documents thoroughly. Companies like SquareMouth also allow you to filter travel insurance plans by the types of activities you’re doing, which may make it simpler to find one that fits your needs.
If you want to buy adventure sports travel insurance
Participating in adventure sports or extreme activities can be thrilling but also riskier than the average traveler’s trip. Because of this, if you’re interested in purchasing travel insurance, you’ll want to be sure it provides coverage for your planned activities — whether you’re camping or cliff diving.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023, including those best for: