For some fans, collecting memorabilia simply isn’t enough.
That’s the case of financier and entrepreneur Mark Bell, a die-hard Star Trek fan willing to spend over $1.5 million to turn fiction into reality — and the home theater of his Boca Raton, FL home into the USS Enterprise.
For those less versed in the world of space travel, the Enterprise is the spaceship featured on Star Trek: The Next Generation, a popular TV series that ran from 1987 to 1994, and a recurring feature in J.J. Abrams’ reboot of the popular classic.
According to the Wall Street Journal, Mr. Bell’s collection of Star Trek memorabilia—which he estimates to be valued at $1 million—includes original costumes, starship models used for special effects and the ears worn by Leonard Nimoy’s Spock character.
And while we applaud Mr. Bell’s passion — and taste when it comes to pop culture — it’s worth noting that a spread in the Wall Street Journal, well after the home has undergone the changes (photos show the home looking like this in March 2014) is a clear sign that the owner is simply creating buzz right before he re-lists the home.
Listed at the beginning of 2014, the home failed to sell despite having a stellar agent team — agent Senada Adzem of Douglas Elliman Florida was assisted by the New York-based power broker brothers Oren and Tal Alexander, also of Douglas Elliman.
The asking price may have had something to do with it: the home was listed for $35 million! — at the time making it the most expensive ever to hit the market in Boca Raton.
Just in case we’re right and the home is soon to hit the marker, here’s the brokerbabble before the broker gets to babble it: Bell’s Boca Raton home features eight bedrooms and 16 full and two half baths, as well as a ballroom.
Now, to make things interesting: the ballroom is equipped with 60-plus arcade games, including some that date back to the late 1970s.
And if that doesn’t hit the mark for nerds and gamers everywhere, know that there’s another playroom designed to look like you’re inside “Call of Duty”. Additional selling points: three full bars, a 1,500-bottle wine cellar, a library, gym and full outdoor basketball court.
From the Kansas City Chiefs to St. Louis’s Gateway Arch, Missouri has plenty to offer both residents and visitors. As a result, there are plenty of Missouri banks. In fact, it can be tough to narrow down the options.
17 Best Banks in Missouri
From online banking apps to small community banks and large financial institutions, Missouri has a little of everything. Here are some of the best Missouri banks to kick off your search.
1. First Midwest Bank
Founded in Poplar Bluff, First Midwest Bank has branches and ATMs in Poplar Bluff, Columbia, Greenville, Piedmont, Puxico, Van Buren, and Williamsville. Currently, First Midwest is offering $.10 cash back per swipe of your First Midwest Dime-a-Time debit card.
Recently, First Midwest merged with Old National Bank to expand its service area and offerings to Indiana, Illinois, and Kentucky.
Pros:
Cash back with each debit card purchase
No monthly maintenance fees with most checking accounts
Wide variety of account options
Cons:
2. U.S. Bank
Missouri residents looking for a national bank with branches in Missouri might like U.S. Bank. You’ll find branches and ATMs in 25 different states, along with a mobile app that allows you to transfer funds, pay bills with bill pay, and split a check with Zelle.
U.S. Bank’s current special on CDs means you can earn up to 4.75% APY. Small business owners should consider U.S. Bank’s current checking bonus, which offers $500 if you open a new account and deposit $5,000. Deposit $15,000 and earn a $750 bonus.
Pros:
Robust mobile banking features
Up to $750 bonus for business checking account
Wide range of banking services
Cons:
3. Chime
Chime is a mobile banking solution with competitive interest rates on savings accounts. You’ll get fee-free1 ATM access nationwide at any MoneyPass, Allpoint, and VisaPlus Alliance ATM, as well as access to your direct deposit up to two days early2. Electronic deposit customers also qualify for up to $200 in overdraft protection through SpotMe5, although Chime charges no fees for overdrafts.
Pros:
No fees on checking account
Up to 2.00% APY3 on savings accounts
No overdraft fees
Cons:
No physical branches
No cash deposit options
4. GO2bank
GO2bank is an online banking solution with a full-featured mobile app and access to free ATM withdrawals and deposits through partners. Your account with GO2bank will include a checking account with no maintenance fees and a high-yield savings account.
If you’re interested in building credit, you can qualify for a GO2bank Secured Visa Credit Card, which reports your on-time payments to credit bureaus and requires no credit check.
Pros:
Fee-free checking account with direct deposit
Up to 4.50% APY on savings accounts
Cash deposits at 90,000+ retail locations nationwide
Cons:
No physical branches
Direct deposit necessary for free checking
5. Commerce Bank
Kansas City residents should consider Commerce Bank, a community bank with locations throughout the area. You’ll also find ATMs and branches throughout Missouri, as well as in 10 other states. You’ll find a wide variety of checking account and loan options, as well as savings accounts and CDs.
Not only will you get in-person customer service at a branch, but you can chat with a live banker at any time in the Commerce Bank CONNECT app. You’ll choose the banker and connect with the same representative every time.
Pros:
Branches and ATMs in 11 states
Free account includes full mobile banking services
Competitive rates on loans
Cons:
No fee-free ATMs outside the service area
Low interest rates on savings accounts and CDs
6. Regions Bank
With branches in Missouri, Alabama, Arkansas, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, and Texas, Regions Bank is a great option if you travel within the Midwest and Southeast.
Regions Bank offers a variety of banking services, including wealth management services and support for small business owners. With DepositSmart ATMs, you can skip the branch and deposit your funds at an ATM.
Pros:
DepositSmart ATMs let you deposit cash and checks without visiting a branch
Flexible requirements to waive checking account fees
Checking accounts for students and seniors
Cons:
Low rates on savings accounts
No branches or ATMs outside the Midwest and South
7. Axos Bank
If you don’t need a local branch, online banking might be an option. Axos Bank offers online services through its website and mobile banking app. There are multiple checking account options, including accounts with no monthly maintenance fees and rewards.
Axos offers unlimited ATM fee reimbursements, so you can use your debit card anywhere in the U.S. Currently, Axos has a $100 bonus for new checking account holders who open an account and have at least $1,500 in electronic deposits within the first 30 days.
Pros:
$100 bonus for new rewards checking account
Up to 3.30% APY on checking accounts
Unlimited reimbursements for out-of-network ATM fees
Cons:
No physical branches
Low interest rates on savings accounts
8. Central Bank
Central Bank is a regional bank with more than 130 locations in Missouri, Kansas, Illinois, and Oklahoma. You’ll find multiple checking account options, including a fee-free account with all the basic features.
You’ll enjoy free ATM transactions at any Central Bank ATM, as well as more than 37,000 ATMs nationwide. Central Bank also has robust business banking options, including loans and multiple checking options.
Pros:
Fee-free ATM withdrawals at 37,000+ MoneyPass locations nationwide
Personalized customer service at branches
Wide range of loan options available
Cons:
$50 minimum deposit to open
Branches in Missouri are mainly in the southwest and central part of the state
9. Bank of America
There are benefits to going with a national bank, including access to banking services while traveling and a broad range of features. As one of the largest national banks, Bank of America has competitive offerings, including a variety of checking account options and wealth management services.
Business customers can earn a $200 bonus for opening a new account and depositing $5,000 in the first 30 days. Individual banking customers should check out the $200 rewards bonuses on new credit cards.
Pros:
3,900 branches and 15,000 ATMs nationwide
Robust free mobile banking features
Wide range of personal and business credit cards
Cons:
Low interest rates on savings accounts
Long waits for customer service
10. Great Southern Bank
Great Southern is headquartered in Springfield, with branches in Missouri, Arkansas, Iowa, Kansas, Minnesota, and Nebraska. You’ll find multiple checking account options, with a free basic checking account.
Although Great Southern’s checking accounts require minimum deposits, there are three options with only a $25 minimum opening deposit required. That includes a second chance account designed to help those who struggle to establish an account due to their banking history.
Pros:
Fee-free ATM transactions at Allpoint ATMs nationwide
Branches across six states
Competitive rates on personal loans
Cons:
Checking accounts require a minimum deposit to open
Limited customer service hours
11. Belgrade State Bank
Belgrade State Bank is a local bank with checking and savings accounts. While there are limited ATMs and branches, Belgrade’s out-of-network ATM fee is only $1. This is in addition to the fees that will be charged by the third-party bank.
Belgrade has robust business banking options, including a fee-free checking account that includes 1,000 items per month, with a $0.25 charge per transaction after.
Pros:
Free checking with enrollment in e-statements
No minimum balance requirement for checking accounts
Competitive rates of personal loans
Cons:
Limited branch and ATM footprint
$50 minimum deposit to open
12. PNC
PNC is one of the biggest national banks with 26 branches in Missouri. Although PNC only has branches in 29 states, you’ll enjoy fee-free access to your cash at more than 60,000 ATMs nationwide, thanks to PNC’s partner network.
Pros:
Access to more than 60,000 ATMs nationwide
Branches in 29 states
Competitive mobile banking features
Cons:
Low interest rates on savings account
Accessible banking services, including support for non-English-speaking customers
13. Mid-Missouri Bank
Mid-Missouri Bank is one of the best banks for both the small business owner and the consumer. You’ll find 14 branches across Missouri, as well as ATMs within the coverage area. There are two checking accounts.
One issues an annual percentage yield on your balance, while the other offers cash back on debit card purchases. Mid-Missouri offers competitive rates on personal loans, including auto, home, and home equity lines of credit.
Pros:
14 branches across Missouri
Basic account earns cash back or APY
Up to $25 in ATM fees refunded each month
Cons:
Lower APY on savings account than competitors
Limited number of branches and ATMs
14. Bank of Missouri
Bank of Missouri is one of the best banks in Missouri for its checking account perks. You’ll have three options: a bank account that earns 3.05% APY, an account that earns cash back on debit transactions, and an account that offers iTunes, Amazon, or Google Play refunds each month.
This bank’s checking accounts come with no monthly maintenance fees and refunds on up to $25 monthly in out-of-network ATM withdrawals.
Pros:
Rewards and interest-bearing checking accounts
No monthly fee on checking and savings accounts
Competitive rates on CDs
Cons:
Low rates on savings account
Limited number of branches and ATMs
15. UMB Bank
UMB Bank is one of the longest-running Missouri banks, having been in existence for more than a century. You’ll find branches throughout Missouri, as well as in Illinois, Colorado, Kansas, Oklahoma, Nebraska, Arizona, and Texas.
UMB also offers online banking options that make it easy to transfer funds and deposit checks. One downside to UMB is its ATM footprint. You’ll pay $2 if you can’t find a UMB ATM, and those are limited to its service area.
Pros:
Robust mobile banking options
Fee-free checking account available
Competitive rates on CDs
Cons:
Minimum deposits required for all checking accounts
Low interest rates on savings account
16. Simmons Bank
If you’re looking for the best checking account among banks in Missouri, consider Simmons Bank, which offers impressive checking and savings accounts with plenty of branches throughout Missouri.
You’ll get fee-free cash withdrawals nationwide at MoneyPass ATMs, along with fee-free checking that requires no minimum balance or opening deposit.
Pros:
Fee-free checking options
Multiple checking and savings accounts
Fee-free cash access at MoneyPass ATMs nationwide
Cons:
Competitive rates on CDs
Minimum deposit on savings account
17. First State Community Bank
First State Community Bank has more than 50 branches throughout Missouri for that in-person customer service. You’ll also get free access to ATMs in the MoneyPass network for cash withdrawals while you’re traveling.
The basic account, Free eChecking, offers all the features you’ll likely need with no monthly fee as long as you sign up for electronic statements.
Pros:
Fee-free cash access at MoneyPass ATMs nationwide
Fee-free checking option when you sign up for electronic statements
Round up debit transactions to boost your savings
Cons:
Opening deposit required for checking
Limited branch locations
Frequently Asked Questions
What is the most popular bank in Missouri?
Like most states, Missouri has plenty of large corporate banks with branches in the area. Some consumers will always prefer that option due to the wealth of banking services and access to ATMs nationwide. Bank of America has a strong presence in Missouri, as does U.S. Bank.
But when it comes to popularity, locals tend to cite smaller banks. Central Bank is often mentioned as a favorite, in part due to its heavy presence throughout Missouri. Commerce Bank also often tops lists of the best banks in Missouri.
If you go with a local bank, look for one that’s covered by the Federal Deposit Insurance Corporation and pay close attention to whether you’ll have access to cash withdrawals at ATMs while traveling.
What is the best bank for small businesses in Missouri?
Those looking for business accounts typically have different criteria than those searching for personal accounts. You might be more interested in being able to invoice customers, for instance, or track spending for tax purposes.
If you’re a freelancer in Missouri, take a look at Axos for your small business banking. U.S. Bank has great money management features, so if that’s a priority, take a look at its small business banking services.
Which Missouri bank has the best customer service?
As valuable as it can be to have a bank account with no monthly maintenance fees or plenty of ATMs, sometimes it’s all about getting help when you need it. If you like in-person service, go with a small brick-and-mortar option with branches that are convenient to you. First State and Bank of Missouri are both great traditional banking options.
For some people, though, the best banks are those that offer easy-to-use remote customer service. Whether that means getting help via a chatbot or connecting with a representative by phone, narrow the options to something that works for you. Ally Bank has been recognized for its 24/7 customer support, primarily because you’ll get an estimate of how long you’ll have to wait on hold before you launch the call.
Which Missouri bank is the most reliable?
As long as you go with an FDIC-insured bank, your funds will be protected up to $250,000. Still, nobody wants to stress over a bank eventually going under. Large corporate banks like Bank of America and U.S. Bank have a long history and an impressive asset value that protects them from default.
But there are plenty of reliable local banks in Missouri as well. First State has been in business for 150 years, and Central Bank was founded in 1902. Both are unlikely to go anywhere and if they did, it would be to merge with another bank or join a parent company.
The best banks are the ones that fill your needs while also keeping fees at a minimum. It’s important to compare at least a few options to make sure you’re getting the best deal for your Missouri banking needs.
1. Out-of-network ATM withdrawal fees may apply with Chime except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
2. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Chime generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
3. The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is accurate as of May, 22, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.
5. Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each at least once every 34 days. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member’s Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime’s discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won’t cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions.
These Virginia college towns are top of the class.
Virginia’s higher education landscape is peppered with prestigious colleges and universities that are nestled in picturesque towns and exude their own unique character and charm. In this article, we’ll delve into some of the most beloved college towns in Virginia, including Charlottesville, Williamsburg, Fairfax, Richmond and Blacksburg.
Home of the renowned University of Virginia, Charlottesville is largely regarded as one of the best college towns in the country. With its well-preserved architecture, bustling downtown mall and rotating cultural and recreational activities, Charlottesville has easily earned its spot atop this list. The city’s lively arts scene, including the Virginia Film Festival and the Charlottesville Opera, reflects the diverse interests of its student population and its full-time residents. Additionally, the picturesque surroundings of the Blue Ridge Mountains and the numerous vineyards, breweries and cideries make Charlottesville an enticing destination for those who think the great outdoors is best enjoyed with a beverage in hand.
The University of Virginia was founded by Thomas Jefferson in 1819 and adds historical charm to this lovely college town. The Rotunda, the architectural centerpiece of the university, is modeled after Rome’s Pantheon and stands as a symbol of the school’s commitment to fostering knowledge and intellectual curiosity. The Academical Village, designed by Jefferson himself, provides a unique living and learning environment that fosters a strong sense of community among students and faculty alike. The school’s prestigious academic programs and a strong commitment to student success are also key factors that contribute to Charlottesville’s appeal as one of the top college towns in Virginia and the country.
Another captivating college town in Virginia is Williamsburg, the home of the College of William & Mary. Steeped in history, this quaint town transports you back in time. The impeccably preserved Colonial Williamsburg, a living history museum, allows visitors to experience 18th-century America firsthand. Williamsburg also has a surprisingly innovative culinary scene, with various restaurants, cafes and breweries catering to diverse tastes. Busch Gardens, a European-themed amusement park, adds another layer of excitement to this charming town, making it an ideal destination for students and locals alike.
The College of William & Mary is an integral part of the allure of Williamsburg. Established in 1693, the college boasts notable alumni, including Thomas Jefferson, James Monroe and John Tyler. Its beautiful campus seamlessly blends with the surrounding town, creating an inspiring environment for higher education and personal growth. The college’s strong academics, combined with a close-knit community and abundant opportunities for research and internships, make Williamsburg one of the most attractive college towns in Virginia.
Located in Northern Virginia, Fairfax is another gem among Virginia college towns. Home to George Mason University, this bustling suburban town has a unique blend of urban convenience and suburban tranquility. Fairfax boasts a variety of shopping, dining and entertainment options, with the popular Mosaic District and Fairfax Corner providing a lively atmosphere. The city’s proximity to Washington, D.C., also provides students with unparalleled access to internships, research opportunities and unique cultural experiences. Outdoor enthusiasts will find plenty to do as well, with numerous parks and trails, like the picturesque Burke Lake Park, providing a natural retreat from the daily grind.
George Mason University offers a diverse array of academic programs and extracurricular activities. The university’s commitment to innovation and research has earned it a reputation for excellence in engineering, economics and public policy. The sprawling campus, dotted with modern buildings and lush green spaces, serves as a welcoming environment for students from around the world. The school’s emphasis on community engagement and service-based learning allows students to make a positive impact on their surroundings.
The capital city of Virginia, Richmond adds an urban flair to our list of the very best Virginia college towns. With Virginia Commonwealth University (VCU) and Richmond University at its core, Richmond is a diverse, energetic atmosphere that is perfect for young scholars seeking adventure and intellectual stimulation. The city is a cultural hotspot, with a thriving arts scene, fascinating museums and numerous galleries. For foodies, Richmond’s restaurant scene is a delightful blend of Southern comfort food and international cuisine. Be sure to check out locally-loved Cobra Burger for some of the best beef in the state, nay the country. Outdoor enthusiasts can also find their niche in Richmond, with the James River Park System offering opportunities for kayaking, hiking and biking.
VCU is a leading public research university that attracts students from around the globe. Its academic programs in fields such as fine arts, health sciences and business are highly regarded, providing students with a solid foundation for their future careers. VCU’s urban campus seamlessly integrates with the city, creating an environment where students can engage with their surroundings and immerse themselves in Richmond’s vibrant community. The university’s commitment to diversity and inclusion, along with its extensive resources and opportunities, make Richmond a standout choice among the college towns in Virginia.
Nestled in the scenic Appalachian Mountains, Blacksburg is home to Virginia Tech, one of the most respected research institutions in the country. Known for its strong engineering and technology programs, Virginia Tech attracts students who are passionate about innovation and discovery. Blacksburg’s picturesque setting provides an abundance of recreational opportunities, including hiking, mountain biking and exploring the natural beauty of the region. The city’s warm and welcoming atmosphere, combined with its vibrant downtown and lively arts scene, make it one of the most well-rounded college towns in Virginia.
Virginia Tech’s sprawling campus, with its iconic limestone buildings and immaculate landscaping, serves as a stunning backdrop for the university’s cutting-edge research. The school’s commitment to research, sustainability and service extend beyond the classroom, allowing students to engage with the local community and make a difference on a global scale. The university’s strong sense of community and tradition, coupled with its dedication to fostering intellectual curiosity and innovation, make Blacksburg an exceptional choice for students seeking a transformative college experience in a picturesque college town in Virginia.
Settle down in a Virginia college town
The top college towns in Virginia each have their own distinct charm and offer students an array of educational experiences and unique real-world opportunities. From the historic allure of Charlottesville and Williamsburg to the urban excitement of Fairfax and Richmond and the natural beauty of Blacksburg, the college towns featured above provide an enriching backdrop for higher education in the Old Dominion State. Students and visitors alike will find a wealth of culture, history and adventure waiting to be discovered in these captivating college towns in Virginia.
As the housing market improves, apartment communities are looking for new ways to attract renters – which means improvements to apartments around the country could be coming soon.
According to a survey of 6,800 property managers conducted by Apartment Guide, 76 percent of those polled believe they need to give their properties a facelift if they want to keep renters. And to know where best to invest their dollars, landlords are turning to residents for advice – meaning online ratings and reviews provide important feedback not just for prospective tenants, but for property managers as well.
Several of the apartment communities featured on Apartment Guide include a forum where residents can provide feedback. The site has topped 67,000 ratings and reviews and is growing all the time.
Want to learn more about the ratings and reviews service on Apartment Guide? Check out feedback from certified residents of apartments all over the country. Properties are rated on a five-point scale, and reviews are certified to make sure the writer is an actual resident of the community and the content is appropriate.
Among the most important features renters look for when searching for a new apartment, according to the survey: Square footage, storage space, ideal floor plans, pools and fitness centers, updated kitchen appliances, and the ability to pay rent online.
Among the other findings in the Apartment Guide survey:
Communities are increasingly turning to Facebook, Twitter and other social media channels to keep the lines of communication open with residents.
More and more communities are making their listings available for mobile, so prospective renters can search for the perfect apartment from their smartphones or tablets.
What else can renters expect to see from apartments in the future? We’ve got some ideas:
What sorts of improvements would you like to see in apartments?
Hey! I’m Michelle Schroeder-Gardner and I am the founder of Making Sense of Cents. I’m passionate about all things personal finance, side hustles, making extra money, and online businesses. I have been featured in major publications such as Forbes, CNBC, Time, and Business Insider. Learn more here.
This is a guest post from Katy Wolk-Stanley of The Non-Consumer Advocate, a blog about frugality, food waste, environmentalism, simple living and finding thrift-store bargains. She describes herself as a “mother, utility bill scholar, laundry hanger-upper, library patron, frequent napper, and Buffy enthusiast.” When not blogging (or napping) Katy works as a high-risk labor and delivery nurse. Katy’s blog has been featured in many major media outlets, including The National Enquirer, which featured Whitney Houston suffering from “Cocaine and Booze Binges” on the cover. She couldn’t be happier.
The subject of minimalism (and blogging about minimalism) is currently hotter than Megan Fox before her last round of plastic surgery. And if the plethora of minimalism blogs is any indication, it’s just a matter of weeks until we all live in spartan homes surrounded by our 100 lovingly-chosen personal items. And as much as I joke, there’s nothing wrong with being deliberate and thoughtful about the things we surround ourselves with, but I have to wonder: When is too little, too much?
I mull over the “is less more?” quandary on a regular basis, but I began over-thinking the subject when Naomi Seldin of Simpler Living posted a piece about the wit and wisdom of Nate Berkus. (Berkus is Oprah’s protégé and personal decorating guru.) It included this quote:
For a long time I was hell-bent on clutter-free living. I was a ruthless editor when it came to my possessions, to the point where my homes were very sparse, very minimal. Then I realized that’s not who I am. I wanted to be surrounded by things that moved me. I wanted to have tabletops piled with books and shells and candles. But it took me a while to let go of this very rigid idea I had, of what my space should look like. Once I started letting stuff in, I really started making a home for myself.
I live in a 96-year-old craftsman-style house and have garnered great pleasure fixing it up and filling it with appropriate period Stuff. At the same time, I’ve fought a constant battle with clutter and excessive belongings. It’s not a monetary issue (as I am the thrift-store goddess), but apparently I lack an organized brain. That, plus I’m just one of four inhabitants in this house, all of whom possess differing ideas about what should stay and what should go.
I read a few of the minimalism blogs, specifically Rowdy Kittens, Simpler Living and occasionally Zen Habits. I also enjoyed reading Dave Bruno’s 100 Thing Challenge: How I Got Rid of Almost Everything, Remade my Life and Regained my Soul. But even Bruno is not shy to admit that he’s upped his belongings number now that his official yearlong experiment is completed.
Tammy Strobel of Rowdy Kittens and I are friends, and I’ve been to her apartment a number of times. (In November, Tammy wrote about pedaling toward financial freedom here at GRS.) She and her husband Logan both practice a 100 things challenge, and their home reflects this choice. There are no shelves crammed with books and knick-knacks. There’s a dearth of rugs, extraneous furniture, collectibles, and the other ephemera that clutter typical American homes. It may sound impersonal, but it actually works perfectly for the space they’ve chosen for their home.
My 12-year-old son’s room used to be filled with so many toys, games, stuffed animals, art supplies, books, pillows and Legos that it made keeping it tidy an impossibility — and often a hazard. But he and I have gone through a few rounds of decluttering that have transformed his room from war zone to peaceful meadow. I’m happy that my son now has a room where play and study can happen, but I worry that he was too ruthless in his quest for order, and that he will later regret his decisions.
I’m currently amassing a garage sale stash in my basement, and plan to recruit his services when it comes time to order the mayhem. I expect (and frankly, hope) that my son will re-appropriate a few of his personal possessions. Going from too many to not enough without a middle ground seems too fast, too soon, too much.
My older son’s room is more typical of what one would expect from an American teenager, with strewn clothing, papers, knick-knacks and miscellaneous crap littering every horizontal surface. I let it go, as it’s not my room.
I asked my Twitter followers if they had any thoughts about minimalism going too far, and this was the response:
DakotaGale: “re: minimalism, focusing on the # of possessions accomplishes little. Focus on the quality of the possessions – not <50!”
MarianneKthleen: “When you have given up so much you have lost the joy in some things.”
FeathrdFriendsy: “I think it’s a great topic. Taking any behavior to the extreme can be damaging and unhealthy. And nobody ever seems to address taking healthy behaviors too far.”
gleanorganics: “Making everything yourself all the time so that your passions become chores – no point in losing happiness over it.”
mile73: “Thoughts on that. Favorite old clothes? Baby blankets? Keep? Or is empty space (mental physical) as valuable & important?”
Extreme minimalism is akin to extreme frugality: It works for some people, but robs others of life’s dear enjoyments.
I wouldn’t be comfortable living in a home without my cool Stuff. I’m drawn to the William Morris quote that Claire shared in her reader story last weekend: “Have nothing in your houses which you do not know to be useful or believe to be beautiful.” And I guess it turns out that I see beauty in a lot of stuff.
Do you think minimalism goes too far? Or does the minimalist movement appeal to you? Please share your thoughts in the comments below.
“Use it up, wear it out, make it do or do without”
Renowned for its picturesque landscapes and thrilling outdoor activities, Utah is also home to some of the top college towns in the country.
The Utah college towns featured in this article are nestled amid stunning natural settings and offer a unique blend of culture, recreation and unparalleled academic prowess. In this article, we’ll explore the best college towns in Utah: Provo, Logan, Salt Lake City, Orem, Ogden, Cedar City and St. George. Lace up your hiking boots and get ready to head out on an adventure through seven of the best college towns in Utah.
Let’s begin with Provo, a lively city that is home to Brigham Young University. Known for its strong sense of community and emphasis on family values, Provo offers a nurturing environment for students seeking personal growth and academic rigor in a downright stunning setting.
The city is brimming with opportunities for outdoorsy types. From hiking in the nearby Wasatch Mountains to exploring the Provo River Parkway, students here seldom run out of ways to stay active and engaged with nature. Moreover, Provo’s charming downtown area features a variety of shopping, dining and entertainment options, making it an attractive destination for students and lifetime locals alike.
Next up is Logan, nestled in the heart of the Cache Valley and home to Utah State University. This picturesque college town is renowned for its small-town charm and tight-knit community, making it an ideal setting for students seeking a more intimate college experience.
Logan’s Main Street is lined with local businesses, boutiques and restaurants. This lively area fosters a vibrant atmosphere that promotes socialization and relaxation after a long day of classes. For those who love the great outdoors, Logan is a gateway to countless hiking, biking and skiing options, thanks to its close proximity to the nearby Bear River Mountains and Logan Canyon.
As the bustling capital of Utah, Salt Lake City serves as an exciting college town for students attending the University of Utah. With a rich culture, wealth of entertainment options and thriving local economy, Salt Lake City offers an enticing combination of urban sophistication and natural beauty.
The downtown area boasts a myriad of attractions, including Sugar House Park, Quarters Arcade Bar and Gilgal Sculpture Garden, just to name a few. Students can also indulge in the city’s thriving arts scene, which encompasses everything from ballet and symphony performances to contemporary art galleries and live music venues.
Located just north of Provo, Orem is home to Utah Valley University. Orem has earned a reputation as a family-friendly city that serves as a safe and nurturing environment for students, young families and retirees alike. With its suburban atmosphere and convenient access to numerous parks, Orem provides ample opportunities for leisure and relaxation after a busy day hitting the books.
The city also offers a wealth of cultural and recreational activities, like the annual Orem Summerfest and the SCERA Center for the Arts, where students can enjoy live performances, art exhibits and indie film screenings. Additionally, Orem’s close proximity to Provo means that students can easily take advantage of the attractions found in its neighboring college town as well.
Situated at the foot of the majestic Wasatch Mountains, Ogden is home to Weber State University. This historic city is steeped in a rich culture that can be seen in its beautifully preserved 25th Street Historic District. Ogden is home to a thriving downtown area, featuring a variety of restaurants, shops and galleries that cater to the diverse tastes of its student population.
The city is also a haven for outdoor adventurers, with easy access to pristine skiing, snowboarding and hiking opportunities in the nearby mountains. Additionally, Ogden is surprisingly artsy, with events such as the annual Ogden Arts Festival and the monthly First Friday Art Stroll attracting students and locals alike.
Affectionately known as ‘Festival City USA,’ Cedar City is home to Southern Utah University. This charming college town has a lively atmosphere, thanks to its numerous festivals and events that take place throughout the year. The renowned Utah Shakespeare Festival, held annually on the SUU campus, attracts thousands of visitors and provides students with a unique opportunity to immerse themselves in the world of theater.
Cedar City also serves as a gateway to some of Utah’s most stunning natural attractions, including Bryce Canyon National Park and Zion National Park, making it an ideal destination for students who love to explore the great outdoors without traveling too far from home.
Located in the southwestern corner of the state, St. George is home to Utah Tech University. This sunny city is known for its pleasant climate and stunning red rock landscapes, providing an idyllic backdrop for the university’s picturesque campus.
The vibrant downtown area offers a variety of dining, shopping and entertainment options, while the city’s close proximity to numerous state and national parks provides more than enough opportunities for outdoor adventure at the drop of a hat.
Your new apartment awaits in a Utah college town
Utah boasts an impressive array of college towns, each offering a unique blend of academic excellence, cultural richness and natural resources. From the bustling streets of Salt Lake City to the charming small-town atmosphere of Logan, there’s a college town in Utah that’s perfect for every type of student.
Whether you’re an aspiring artist, an outdoor enthusiast or simply someone in search of a tight-knit community, consider embarking on a tour of the best college towns in Utah to find the perfect place to call your academic home.
To say that mortgage rates have been on a wild Mr. Toad’s ride in 2022 is an understatement. In less than a year, we went from 2.78% on the 30-year fixed to as high as 6.28%, then recently got as low as 5% — only to have another move higher this week to 5.30%. People thought the mortgage rate drama in 2013-2014 was a lot when rates went from 3.5% to 4.5%. However, as we all know, after 2020, things are just more intense.
The question is, can lower mortgage rates save the housing market from its recent downtrend? To understand this, we need to look back into the past to realize how different this period is from what we had to deal with in the previous expansion when rates rose and then fell.
Higher rates and sales data
We can see that when rates rise, sales trends are traditionally lower. We saw this in 2013-2014 and 2018-2019. We know the impact in 2022, working from the highest bar in recent history.
The most significant difference now from what we saw in the previous expansion is that mortgage rates never got above 5% in the previous expansion. However, more importantly, we didn’t have the massive home-price growth in such a short time. It does make an enormous difference now that home prices grew above 40% in just 2.5 years.
This is why I focused my readers on the years 2020-2024, because if home prices only grew by 23% over five years, we would be ok. However, that got smashed in just two years, and prices are still rising in 2022. It’s savage man, truly savage with the mortgage rate rise. Yes, rates bursting toward more than 6% is a big deal in such a short time, but the fact that we had massive home-price growth in such a short time (and in the same timeframe) is even more critical.
While I truly believe that the growth rate of pricing is now cooling down, 2022 hasn’t had the luxury of falling prices to offset higher rates. So we can’t reference this period of time with rates falling as we did the previous expansion due to the massive increase in home prices and the bigger mortgage rate move. In 2018, sales trends fell from 5.72 million to the lows of January 2019 at 4.98 million. This year we have seen sales fall from 6.5 million to 5.12 million, and they are still falling.
Housing acts better when rates are below 4%
In the past, demand improved when mortgage rates were heading toward 4% and then below. Obviously, we are nowhere close to those levels today, barely touching 5% recently to only go higher in the last 24 hours.
Again, I stress that the massive home-price growth is different this time. However, with that said, considering the sales decline trends and that we have seen better-than-average wage growth, housing demand should act much better if rates head toward 4% and below.
I stress that higher and lower mortgage rates impact the market, but it needs time to filter their way into the economy. When I talk about the duration, this means rates have to be lower for a more extended period. People don’t throw their stuff down and buy a home in a second; purchasing a home is planned for a year. Rates would need to stay lower for longer into the next calender year to make a big difference.
Millions and millions of people buy homes every year. They have to move as well, so a traditional seller is a buyer most of the time when it’s a primary resident owner. Sometimes when rates go higher too quickly, some sellers can’t move, this takes a sale off the data line, but if rates fall quickly, they might feel much better about the process.
The downside of rates moving up so quickly is that some sellers pull the plug until rates are better. We see some of this in the active listing data as new listings are declining. Lower rates may pull some of these listings forward as people feel more comfortable with rates down; time will tell.
From Realtor.com
From Redfin:
Of course, a 1% move lower in rates matters, but keep in context where we are coming from and how much home-price growth we have had in just 2.5 years. This isn’t like the previous expansion where home prices were working from the housing bubble crash and affordability was much better back then.
When to know when lower rates are working?
The best data line to see this take place is purchase application data, which is very forward-looking as the fastest data line we have in housing. Let’s take a look at the data today. Purchase application data was positive week to week by 1% and down 16% year over year. The 4-week moving average is down negative 17.75% on a year-over-year basis.
This is one data line that has surprised me to a degree. I had anticipated this data to be much weaker earlier in the year. However, I concluded that 4%-5% mortgage rates didn’t do the damage I thought they would do. But, 5%-6% did, as I was looking for 18%-22% year-over-year declines on a four-week moving average earlier in the year. So, this makes me believe that if rates can get into a range of 4.125%-4.50% with some duration; the housing data should improve on the trend it has been at when rates are headed toward 6%. Again, we aren’t there on rates yet.
The builders would love rates to get back to these levels so they can be sure to sell some of the homes they’re finishing up on the construction side. Now assuming rates do get this low; what would the purchase application data look like? Keep it simple, the year-over-year declines will be less and less, and then when things are improving, we should see year-over-year growth in this index.
A few things about purchase apps: the comps for this data line will be much more challenging starting in October of this year. Last year’s purchase application data made a solid run toward the end of the year, which led existing home sales to reach 6.5 million. Next year we will have much easier comps to work with, so we need to keep that in mind. However, to keep things simple, the rate of change in the purchase applications data should improve yearly.
To wrap this up, lower mortgage rates should be looked at as a stabilizer first, but for them to change the market, we will need much lower rates for a more extended period. Also, we have to consider that rates moving from 3% to 6% is historical, and if rates fall, we have to look at housing data working from an extreme rise in rates that happened quickly. However, sales levels should fall if purchase application data shows negative year-over-year prints on a double-digit basis.
Since home prices haven’t lost this year, you can see why I used talked about this as a savagely unhealthy housing market. The total cost of housing had risen in a fashion that isn’t comparable to what we saw in the previous expansion when rates went up and down due to the massive increase in home prices. Also, we have to know that we aren’t working from a high level of inventory data as well. Traditionally, total inventory ranges between 2 to 2.5 million. We are currently at 1.26 million.
NAR total inventory data
We shall see how the economic data looks for the rest of the year and if the traditional bond and mortgage rate market works as it has since 1982, then mortgage rates will head lower over time. However, as of now, it’s not low enough to change the dynamics of the U.S. housing market.
A cool train, a fun daytrip and a great excuse to get dressed up in 1940s-era attire and hit the rails — my interest was immediately piqued.
When the team at TPG heard about the vintage train cars the United Railroad Historical Society of New Jersey runs up the Hudson River Valley from Manhattan to Albany, New York, we had to try it out for ourselves. Having now made the journey with TPG social media staffer Capri Whiteley, I can wholeheartedly say that climbing aboard these old-timey trains is absolutely worth it.
If this old-fashioned experience sounds like it may be a good fit for you, then read on for everything you need to know about Hudson River Rail Excursions.
What are Hudson River Rail Excursions?
Operated by the United Railroad Historical Society of New Jersey, Hudson River Rail Excursions trains run from New York’s Moynihan Train Hall at Penn Station to the Albany-Rensselaer Amtrak station in upstate New York. Passengers get a two-hour layover in Albany before turning around and going straight back to Moynihan Train Hall. The whole trip, which includes a stop in New York’s state capital, takes about nine hours to complete, making for a solid daytrip.
The original railroad — The New York Central Railroad — launched the 20th Century Limited, which ran from New York to Chicago in 20 hours, way back in 1902. Interestingly, the 20th Century Limited literally invented the red carpet to differentiate its flagship service a few decades after it launched.
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Two cars that were saved from the wrecking yard — the Tavern-Lounge No. 43 and the Hickory Creek, which was the model featured in all the company’s promotional materials in the 1940s — are now used for the Hudson River Rail Excursions trains, and Capri and I were lucky enough to try out both on our trip back in time.
What it’s like on Hudson River Rail Excursions
Boarding the train is a bit like transporting yourself back to the 1940s. The 20th Century Limited’s famous red carpet greets you as you approach the two historic cars attached to the back of an otherwise normal Amtrak train, and you’ll find some passengers donning formal attire similar to what would’ve been worn in the ’40s.
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My coworker and I quickly found ourselves feeling like we’d entered another time period once on board. The experience was truly immersive, right down to the slightly musty smell and colorful retro decor you’ll only find on an old train car from the 1940s.
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Inside the classic cars, you’ll notice a variety of seating arrangements, many of which can be adjusted throughout the journey. We especially loved turning the chairs to face the windows after pulling out of the stations so we could take in the stunning Hudson River views.
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During the ride, passengers learn all about the train’s history from the staff. Our host Kevin Phalon and every waiter we encountered were a joy to interact with, as they provided all kinds of interesting tidbits that made the journey even better. It really was exceptional service on par with what you’d expect in the 1940s.
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For an even more elevated experience, passengers can reserve a spot in the more expensive car. At the end of the train, this car has wraparound windows, so you can take in the gorgeous scenery on all sides of the tracks.
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Food and drinks on Hudson River Rail Excursions
One of the train’s many highlights during our outing was its dining.
Waiters in vintage white jackets and black bow ties serve a variety of drinks and dishes as you traverse the rails.
Due to the low passenger count on these cars — no more than 70% of seats are sold so riders can comfortably spread out — the staff can more easily provide individualized service and attention. We immediately picked up on this while on board, receiving nothing but excellent and warm service.
Come hungry for your ride, as you’ll have numerous options to choose from.
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For lunch, we tried the Tavern-Lounge No. 43’s sandwiches, including one with salmon salad, another with grilled chicken breast, an option with meatloaf, a classic Italian sub, a vegetarian wrap and a BLT featuring smoked turkey. All were delicious, as were the homemade potato chips served on the side. To wash down your meal, you can pick from various sodas and nonalcoholic drinks without incurring any additional fees.
If you wish to imbibe during your journey, pay for a seat in the pricier Hickory Creek car, where a selection of beer and wine are complimentary. Hickory Creek passengers also enjoy a four-course meal — including a cheese course, a salad and an entree like flounder Meunière, red wine-braised short ribs or cheese ravioli with sun-dried tomatoes — and plusher seats.
Regardless of which car you choose, you’ll have a nice selection of hors d’oeuvres available for the journey home. On our ride, we were offered caprese skewers and deviled eggs with salmon on top. Warm cookies were a welcome sight as the end of our trip approached.
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An afternoon in Albany
An added bonus of this journey is the opportunity to spend a few hours in Albany, a highly underrated city.
After making the short trip from the train station to downtown Albany, which lies just across the Hudson River, we decided to venture to the state capital for a quick tour and the observation floor at Albany’s tallest building, Corning Tower, to get the lay of the land from above.
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Our short Albany layover ended with a visit to the New York State Museum, which had all kinds of displays about New York City, including a moving one dedicated to 9/11. Unsurprisingly, my favorite exhibit ended up being one with a vintage subway car.
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Booking Hudson River Rail Excursions
Now for the bad news: This trip to the past is one hot ticket. In fact, Hudson River Rail Excursions have sold out in just minutes in the past and aren’t currently available.
We booked tickets for our May departure in February when tickets first went on sale. At the time, prices for rides in the Tavern-Lounge No. 43 car ranged from $149 to $179, depending on the day of the week. Meanwhile, the fancier Hickory Creek car cost between $347 and $379 per ticket. All proceeds go to the United Railroad Historical Society of New Jersey.
Passengers who want to book future journeys should join the email list so they receive an email when the dates for 2024 are announced. We expect tickets will quickly sell out again next year, so you’ll want to be sure to opt into the email list and be ready to purchase your tickets as soon as they become available.
Bottom line
You may need a little luck on your side to snag seats on this vintage train, but after experiencing the daylong trip for ourselves, we feel it’s well worth the effort.
Views of the spectacular Hudson River Valley and entertaining conversations with fellow train enthusiasts made it an adventure to remember. Not to mention, all the free food and drinks we tried were tasty, and the complimentary lounge access in the terminal was much appreciated. The few hours you get in New York’s capital make for a fun excursion, too.
When I asked Phalon, our host from the United Railroad Historical Society of New Jersey, what his favorite part of the vintage train experience was, he answered “the people” without hesitation.
“I’ve now done the train ride a million times, but the people are very eager to learn,” he added. “We have you here for a daytrip, and then we teach you something.”
Having become quite a train addict myself since coming to TPG and going on a father-son adventure on the Alaska Railroad, a Brightline journey in Florida and a ride across the Pacific Northwest on Amtrak’s Empire Builder line, I completely agree with Phalon. The experience on board is what makes train travel so special.
While I understood how nice riding the rails can be long before this particular trip, our Hudson River Rail Excursions adventure cemented that sentiment even more.
I definitely recommend adding this one to your bucket list — it’s an experience you won’t forget.
Mobile gaming has become one of the most popular forms of entertainment for millions. And while there are countless new mobile games being released, there are classics mobile games that will always hold a special place. In this article, we’re take a look at 12 classic mobile games that will remind you of old times. From Temple Run to Plants Vs. Zombies, each game has features that make it a classic in the mobile gaming industry.
1. Temple Run
Temple Run is a classic mobile game developed by Imangi Studios in 2011. It is an endless running game where players must direct their character around obstacles to collect coins. The game’s addictive gameplay, generated levels, innovative graphics, and adventurous soundtrack make it a classic in the mobile gaming industry.
2. Subway Surfers
Subway Surfers is a classic mobile game in which players control a character being chased by an inspector and his dog through a vibrant and colorful subway system. With its smooth and responsive controls, power-ups, and a unique setting, Subway Surfers has become a fan favorite and inspired many imitators in the mobile gaming industry. The game’s constantly changing world and addictive gameplay make it a classic that is still enjoyed by players today.
3. Angry Birds
Angry Birds is a beloved mobile game released by Rovio Entertainment in 2009. Players control a group of birds that are trying to reclaim their eggs from green pigs by launching them from a slingshot at obstacles and structures. The game’s unique physics, challenging levels, and engaging storyline make it accessible to players of all ages. Its success spawned a media franchise, set new standards for game design, and paved the way for the rise of mobile gaming.
4. Beach Buggy Racing
Beach Buggy Racing is an exciting and engaging mobile racing game developed by Vector Unit. The game offers a variety of vehicles, tracks, and power-ups that provide a unique racing experience. The game’s intuitive controls and power-ups make it easy to pick up for players of all skill levels. Beach Buggy Racing features an immersive single-player campaign and online multiplayer that allows players to race against others worldwide.
5. Pokemon Go
Pokemon Go, released in 2016 by Niantic, became a cultural phenomenon. Players explored their surroundings using their smartphone’s GPS and camera to capture virtual creatures called Pokemon, blurring the line between the real and virtual worlds. The game brought people of all ages and backgrounds together and inspired a surge in popularity for mobile gaming. During that era, you could always find a group of people trying to find Pokemon in the street.
6. Candy Crush
Candy Crush, developed by King and released in 2012, took the world by storm with over 2.7 billion downloads. The game’s addictive gameplay involves matching colorful candies to progress through increasingly difficult levels. Its success lies in its accessibility and social media integration, allowing players to compete with friends.
7. Clash of Clans
Clash of Clans was released in 2012 by Supercell, It is a classic mobile game that has kept millions of players glued to their screens. The game is a strategy game that allows players to build and customize their own villages, train troops, and engage in epic battles against other players online. Its multiplayer feature made it a favorite among gamers, with players forming communities and sharing tips online. The game’s success led to the creation of a franchise, including animated shorts and merchandise. Clash of Clans’ engaging gameplay, beautiful graphics, and social aspect has made it one of the most beloved and entertaining mobile games of all time.
8. Fruit Ninja
This game was released in 2010 by Halfbrick Studios. The ability to wield a ninja’s blade to cut fruits was just so fun. Hitting multiple fruits in one slash meant you were an expert. The game’s simple yet addictive gameplay challenges players to slice as much fruit as possible while avoiding bombs and other obstacles. Its colorful graphics and catchy music create an immersive and enjoyable experience for players. Fruit Ninja’s massive success has led to the creation of a media franchise, including spin-off games, merchandise, and even a live-action movie in development.
9. Plants Vs Zombies
Plants vs. Zombies, released in 2009 by PopCap Games, is a classic tower defense game. Players use various defensive plants with unique abilities to fight off zombies and protect their home. The game’s easy gameplay, engaging progression, and creative plant and zombie design contributed to its success. Its characters and gameplay have been featured in various merchandise and media.
10. Geometry Dash
Geometry Dash is a classic mobile game that challenges players to navigate a cube through various levels while avoiding obstacles and collecting rewards. What makes it unique is the level editor feature, which allows players to create and share custom levels. The game’s difficulty can be adjusted to suit players of all skill levels. With catchy music and challenging gameplay, Geometry Dash has become a beloved game among the gaming community.
11. Flappy Bird
Flappy Bird was a classic mobile game released in 2013 that quickly became a sensation. Players had to guide a bird through pipes by tapping the screen to make it flap its wings. The game’s simplicity and addictive gameplay drew in players, making it one of the most downloaded mobile games. Despite its success, the game was removed from app stores in 2014 for being too [addictive]. Competing with your friends had never felt so challenging. Flappy Bird’s legacy lives on, and its impact on the mobile gaming industry is significant.
12. Jetpack Joyride
Jetpack Joyride is a classic mobile game released in 2011 that lets players control Barry Steakfries and fly through a laboratory using a jetpack while avoiding obstacles and collecting coins. The game’s use of in-game currency and range of power-ups keep players engaged, and numerous updates and expansions have been released over the years.
Mobile games have come a long way over the years, with new titles and genres constantly emerging. From the addictive gameplay of Temple Run and Subway Surfers to the strategic battles of Clash of Clans, these mobile games have earned their place in history and continue to inspire new games today.
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